JP5520873B2 - Payment server and payment system - Google Patents

Description

  The present invention relates to a settlement server and a settlement system that are used for settlement in a face-to-face sales method using a settlement means that replaces cash.

  2. Description of the Related Art Conventionally, there is a settlement method in which a commodity price or a service price is paid using a settlement means that replaces cash such as a credit card, a debit card, or electronic money. Such a payment method allows the user to receive the provision of goods and services without carrying a large amount of cash, for example, and eliminates the hassle of handling small changes. You can enjoy sex.

  Such settlement using a settlement means instead of cash is often performed in the form of a so-called face-to-face sales method in which sales are made through customer service. Specifically, for example, when making a payment in the form of a face-to-face sales method using a card such as a credit card, a debit card or an electronic money card as a payment means in place of cash, the user makes a request to a store (clerk) , Hand the card used for payment. Specifically, when a software for managing electronic money is installed and payment is made in the form of a face-to-face sales method using a mobile terminal device such as a mobile phone charged with electronic money, Hold the mobile terminal device over the store (clerk).

  Also, conventionally, for example, a payment relay server that has received barcode data of a payment slip transmitted from a mobile terminal records the generated multiple payment identifier in association with the barcode data, and then transmits the multiple payment identifier to the bank host system. Then, the bank host system performs a withdrawal process on the user's account for which user authentication has been completed and sends a completion notification to the settlement relay server via the mobile terminal. The settlement relay server that receives the completion notification uses the payment slip. There has been a technique for notifying a company system of a company that collects a price that the collection of the price has been completed (see, for example, Patent Document 1 below).

JP 2006-243842 A

  However, the above-described conventional technology hands over the card or the mobile terminal device to the store side when the settlement is performed using a method other than cash such as a credit card, a debit card, or electronic money by a face-to-face sales method. For this reason, there is a problem that information stored in the card or the portable terminal includes a risk that it is read by a store-side device such as a payment terminal device.

  In addition, the conventional technique described in Patent Document 1 described above has a high need for identifying (recognizing) a payer, such as payment for a product by mail order or a public fee in a local government. It is intended for a payment with a low necessity (real-time property) of confirming that the settlement is completed on the spot where the procedure is performed, and it is difficult to confirm that the settlement is completed on the spot where the settlement procedure is performed.

  On the other hand, in payments that are made in face-to-face sales using a payment method instead of cash, there is a high need to confirm that the payment has been completed on the spot of the payment procedure (real time). Since it is unnecessary, there is a problem that it is difficult to apply the conventional technique described in Patent Document 1 described above to a settlement performed by a face-to-face sales method using a settlement means instead of cash.

  Further, a method is conceivable in which a server is interposed between a user terminal device (user terminal device) and a store terminal device (store terminal device), and the server mediates settlement between the user and the store. However, in this case, a third party such as a malicious store clerk causes the user terminal device to access the unauthorized terminal device, so that the payment that should be originally performed between the user and the store is performed by the unauthorized terminal device ( There is concern about fraud that occurs between malicious third party accounts and customers.

  In order to eliminate the above-described problems caused by the conventional technology, the present invention can improve safety and reliability while maintaining high convenience in a settlement performed by a face-to-face sales method using a settlement means instead of cash. An object of the present invention is to provide a payment server and a payment system.

  In order to solve the above-described problems and achieve the object, a settlement server according to the present invention is a settlement server in which a user terminal device of a user and a store terminal device of a store can be connected, and the store terminal device includes: For each store identification information of an installed store, an authorized discrimination database for storing and storing authorized information indicating whether or not the store is an authorized store registered in advance, and a payment amount paid by the user to the store Payment amount receiving means for receiving the payment amount received from the store terminal device, and the store where the store terminal device of the payment amount received by the payment amount receiving means is installed is an authorized store based on the authorized determination database. An authorized determination means for determining whether or not there is an account, and a payment received by the payment amount receiving means when the authorized determination means determines that the store is an authorized store. Transaction number generating means for generating a transaction number for the amount of money, storage means for storing the transaction number generated by the transaction number generating means, the payment amount and the store identification information in a predetermined storage medium in association with each other The transaction number transmitting means for transmitting the transaction number generated by the transaction number generating means to the store terminal device, the transaction number transmitted by the transaction number transmitting means, and the user terminal device to which the transaction number is input Transaction number receiving means for receiving the user identification information of the user from the user terminal device, and the payment amount and store identification information corresponding to the transaction number received by the transaction number receiving means in the predetermined storage medium Transaction information including information on the store relating to the payment means extracted by the extraction means and the store identification information Based on the transaction information transmitting means for transmitting to the user terminal device, the authentication information receiving means for receiving authentication information for the transaction information from the user terminal device, and the authentication information received by the authentication information receiving means. Authentication processing means for performing authentication processing; payment execution means for executing payment when the authentication processing is performed by the authentication processing means; and at least the user terminal that the payment is executed by the payment execution means A notification means for notifying one of the apparatus and the store terminal device, and when the approved determination means determines that the store is not an authorized store, the subsequent processing is interrupted.

  The settlement server according to the present invention is a settlement server to which a user terminal device of a user and a store terminal device of a store can be connected, and for each store identification information of a store where the store terminal device is installed, An authorized determination database that stores and stores authorized information indicating whether or not the store is an authorized store registered in advance, and a payment amount reception that receives from the store terminal device a payment amount that the user pays to the store Means, a transaction number generating means for generating a transaction number for the payment amount received by the payment amount receiving means, a transaction number generated by the transaction number generation means, the payment amount and the store terminal device A storage means for associating store identification information of the installed store with a predetermined storage medium, and a transaction number generated by the transaction number generation means. The transaction number transmission means to be transmitted to the store terminal device, the transaction number transmitted by the transaction number transmission means, and the user identification information of the user of the user terminal device to which the transaction number has been input, Transaction number receiving means received from the terminal device, payment means and store identification information corresponding to the transaction number received by the transaction number receiving means are extracted from the predetermined storage medium, and the authorized determination database On the basis of an authorized determination means for determining whether or not the store related to the store identification information extracted by the extraction means is an authorized store, and the extraction if the authorized determination means determines that the store is an authorized store. The transaction information including the payment amount extracted by the means and the store information related to the store identification information is transmitted to the user terminal device. Transaction information transmitting means for transmitting the transaction information and information indicating that the store is not an authorized store to the user terminal device when the authorized determination means determines that the store is not an authorized store; and the user terminal Authentication information receiving means for receiving authentication information for the transaction information from the apparatus, authentication processing means for performing authentication processing based on the authentication information received by the authentication information receiving means, and the authentication processing by the authentication processing means. Payment execution means for executing payment when the payment is made, and notification means for notifying at least one of the user terminal device and the store terminal device that payment has been executed by the payment execution means. It is characterized by that.

  The settlement server according to the present invention is a settlement server to which a user terminal device of a user and a store terminal device of a store can be connected, and for each store identification information of a store where the store terminal device is installed, An authorized determination database that stores and stores authorized information indicating whether or not the store is an authorized store registered in advance, and a payment amount reception that receives from the store terminal device a payment amount that the user pays to the store Means, a transaction number generating means for generating a transaction number for the payment amount received by the payment amount receiving means, a transaction number generated by the transaction number generation means, the payment amount and the store terminal device A storage means for associating store identification information of the installed store with a predetermined storage medium, and a transaction number generated by the transaction number generation means. The transaction number transmission means to be transmitted to the store terminal device, the transaction number transmitted by the transaction number transmission means, and the user identification information of the user of the user terminal device to which the transaction number has been input, Transaction number receiving means received from the terminal device, payment means and store identification information corresponding to the transaction number received by the transaction number receiving means are extracted from the predetermined storage medium, and the authorized determination database Based on the determination means for determining whether or not the store according to the store identification information extracted by the extraction means is an authorized store, and when the authorized determination means determines that the store is an authorized store, the extraction Transaction information for transmitting transaction information including the payment amount extracted by the means and store information related to the store identification information to the user terminal device An authentication information receiving means for receiving authentication information for the transaction information from the user terminal device, an authentication processing means for performing an authentication process based on the authentication information received by the authentication information receiving means, When the authentication processing is performed by the authentication processing means, at least one of the user terminal device and the store terminal device indicates that the payment execution means executes payment and the payment is executed by the payment execution means. A notifying means for notifying, and an interruption notifying means for notifying the user terminal device that processing is interrupted because the corresponding store is not an authorized store when the authorized judging means judges that the store is not an authorized store, It is provided with.

  Moreover, in the payment server according to the present invention, in the above invention, the store terminal device includes display means for displaying a transaction number transmitted from the payment server, and the user terminal device is connected to the store terminal device. An input means for inputting the transaction number displayed on the display means is provided.

  The settlement server according to the present invention is a settlement server to which a user terminal device of a user and a store terminal device of a store can be connected, and is an authorized store in which the store is registered in advance for each store. An authorization determination database for storing the authorization information indicating whether or not it is associated, payment intention information receiving means for receiving payment intention information regarding payment intention from the user to the store from the user terminal device, and the payment Transaction number generating means for generating a transaction number for payment intention information received by the intention information receiving means, transaction number generated by the transaction number generating means, and user identification of the user of the user terminal device Storage means for associating information with each other and storing it in a predetermined storage medium, and transmitting the transaction number generated by the transaction number generation means to the user terminal device Store identification information of the store where the store number device is installed, the transaction number transmitted by the transaction number transmission unit, the payment amount paid by the user to the store, and the store terminal device into which the transaction number is input , A transaction number receiving means received from the store terminal device, and an authorization for judging whether or not the store relating to the store identification information received by the transaction number receiving means is an authorized store based on the authorized identification database And an extracting unit that extracts, from the predetermined storage medium, user identification information corresponding to the transaction number received by the transaction number receiving unit when the determination unit determines that the store is an authorized store by the authorized determination unit. The user identification information extracted by the extraction means and the information received by the transaction number receiving means. Authentication processing means for performing authentication processing of the user, payment execution means for executing payment when the authentication processing is performed by the authentication processing means, and payment being executed by the payment execution means. Notification means for notifying at least one of the user terminal device and the store terminal device, and if the authorized judgment means determines that the store is not an authorized store, the subsequent processing is interrupted. And

  In the above invention, the settlement server according to the present invention uses the transaction information including the user information related to the user identification information extracted by the extraction means and the payment amount received by the transaction number receiving means. Transaction information transmitting means for transmitting to the user terminal device, and authentication information receiving means for receiving authentication information for the transaction information from the user terminal device, wherein the authentication processing means is received by the authentication information receiving means. The authentication process is performed based on the authentication information.

  The settlement server according to the present invention is a settlement server to which a user terminal device of a user and a store terminal device of a store can be connected, and is an authorized store in which the store is registered in advance for each store. An authorization determination database for storing the authorization information indicating whether or not it is associated, payment intention information receiving means for receiving payment intention information regarding payment intention from the user to the store from the user terminal device, and the payment Transaction number generating means for generating a transaction number for payment intention information received by the intention information receiving means, transaction number generated by the transaction number generating means, and user identification of the user of the user terminal device Storage means for associating information with each other and storing it in a predetermined storage medium, and transmitting the transaction number generated by the transaction number generation means to the user terminal device Store identification information of the store where the store number device is installed, the transaction number transmitted by the transaction number transmission unit, the payment amount paid by the user to the store, and the store terminal device into which the transaction number is input Transaction number receiving means received from the store terminal device, extraction means for extracting user identification information corresponding to the transaction number received by the transaction number receiving means from the predetermined storage medium, and the authorized determination database Based on the approval number determining means for determining whether or not the store related to the store identification information received by the transaction number receiving means is an authorized store, and when the authorized determination means determines that the store is an authorized store. Includes the user information related to the user identification information extracted by the extracting means and the payment amount received by the transaction number receiving means. The transaction information is transmitted to the user terminal device, and the transaction information and information indicating that the corresponding store is not an authorized store when the authorized determination means determines that the store is not an authorized store. When the authentication information is received by the transaction information transmitting means, the authentication information receiving means for receiving the authentication information for the transaction information from the user terminal device, and the authentication information receiving means, the extracting means Based on the user information relating to the extracted user identification information and the information received by the transaction number receiving means, an authentication processing means for performing authentication processing of the user, and the authentication processing is performed by the authentication processing means. The payment execution means for executing the payment and the payment executed by the payment execution means And a notification means for notifying either the user terminal device or the store terminal device.

  The settlement server according to the present invention is a settlement server to which a user terminal device of a user and a store terminal device of a store can be connected, and is an authorized store in which the store is registered in advance for each store. An authorization determination database for storing the authorization information indicating whether or not it is associated, payment intention information receiving means for receiving payment intention information regarding payment intention from the user to the store from the user terminal device, and the payment Transaction number generating means for generating a transaction number for payment intention information received by the intention information receiving means, transaction number generated by the transaction number generating means, and user identification of the user of the user terminal device Storage means for associating information with each other and storing it in a predetermined storage medium, and transmitting the transaction number generated by the transaction number generation means to the user terminal device Store identification information of the store where the store number device is installed, the transaction number transmitted by the transaction number transmission unit, the payment amount paid by the user to the store, and the store terminal device into which the transaction number is input , A transaction number receiving means received from the store terminal device, and an authorization for judging whether or not the store relating to the store identification information received by the transaction number receiving means is an authorized store based on the authorized identification database A determination means, an extraction means for extracting user identification information corresponding to the transaction number received by the transaction number receiving means from the predetermined storage medium, and a case where the authorized determination means determines that the store is an authorized store. , User information related to the user identification information extracted by the extracting means and the payment amount received by the transaction number receiving means Transaction information transmitting means for transmitting transaction information to the user terminal device, authentication information receiving means for receiving authentication information for the transaction information from the user terminal device, and authentication information by the authentication information receiving means. An authentication processing means for performing an authentication process of the user based on the information of the user related to the user identification information extracted by the extraction means and the information received by the transaction number receiving means when received, When the authentication processing is performed by the authentication processing means, at least one of the user terminal device and the store terminal device that executes the payment by the payment execution means and the payment execution means. When the notification means for notifying the store and the authorized determination means determine that the store is not an authorized store, the corresponding store becomes an authorized store. Therefore, it is characterized by comprising interruption notifying means for notifying the user terminal device that the processing is interrupted.

  Moreover, in the payment server according to the present invention, in the above invention, the user terminal device includes display means for displaying a transaction number transmitted from the payment server, and the store terminal device includes the user terminal device. An input means for inputting the transaction number displayed on the display means is provided.

  Further, in the payment server according to the present invention, in the above invention, the authorized determination database associates, for each user, the authorized information relating to an arbitrary store designated by the user and a pre-registered store. It is memorized.

  The payment server according to the present invention is characterized in that, in the above invention, the payment execution means transfers the amount of money to be paid from the user account provided in advance to the store account.

  Moreover, the payment system concerning this invention is comprised from said payment server, the said user terminal device, and the said shop terminal device.

  According to the settlement server and the settlement system according to the present invention, in the settlement performed by the face-to-face sales method using the settlement means instead of cash, it is possible to improve the safety and reliability while maintaining high convenience. Play.

It is explanatory drawing which shows the system configuration | structure of the payment system of Embodiment 1 concerning this invention. It is a block diagram which shows the hardware constitutions of the smart phone which implement | achieves the user terminal device and shop terminal device of Embodiment 1 concerning this invention. It is a block diagram which shows the hardware constitutions of the computer apparatus which implement | achieves the payment mediation server and external payment server of Embodiment 1 concerning this invention. It is explanatory drawing which shows an example of the account information table with which a payment mediation server is provided. It is explanatory drawing which shows an example of the transaction information table with which a payment mediation server is provided. It is explanatory drawing which shows an example of the card payment information database with which an external payment server is provided. It is explanatory drawing which shows an example of the completion card payment information database with which an external payment server is provided. It is a block diagram which shows the functional structure of each part which comprises the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 1) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 2) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 3) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 4) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 5) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 6) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 7) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 8) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 9) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 10) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 11) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 12) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 13) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 1) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 2) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 3) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 1) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 2) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 3) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is a flowchart which shows the process sequence of the shop terminal device in the payment system of Embodiment 1 concerning this invention. It is a flowchart which shows the process sequence of the payment mediation server in the payment system of Embodiment 1 concerning this invention. It is a flowchart which shows the process sequence of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is a block diagram which shows the functional structure of each part which comprises the payment system of Embodiment 2 concerning this invention. It is explanatory drawing which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing which shows the example of a display screen of the user terminal device in the payment system of Embodiment 2 concerning this invention. It is a flowchart which shows the process sequence of the payment mediation server in the payment system of Embodiment 2 concerning this invention. It is a flowchart which shows the process sequence of the user terminal device in the payment system of Embodiment 2 concerning this invention. It is explanatory drawing which shows an example of the account information table with which the payment mediation server in the payment system of Embodiment 3 concerning this invention is provided. It is explanatory drawing (the 1) which shows the example of a display screen of a user terminal device at the time of registration of a credit store. It is explanatory drawing (the 2) which shows the example of a display screen of a user terminal device at the time of registration of a credit store. It is explanatory drawing (the 3) which shows the example of a display screen of a user terminal device at the time of registration of a credit store. It is a block diagram which shows the functional structure of each part which comprises the payment system of Embodiment 3 concerning this invention. It is explanatory drawing which shows the process sequence of the payment system of Embodiment 3 concerning this invention. It is explanatory drawing which shows the example of a display screen of the user terminal device in the payment system of Embodiment 3 concerning this invention. It is a flowchart which shows the process sequence of the payment mediation server in the payment system of Embodiment 3 concerning this invention. FIG. 44 is a flowchart showing a processing procedure of the user terminal device in the settlement system according to the third embodiment of the present invention. It is a block diagram which shows the functional structure of each part which comprises the payment system of Embodiment 4 concerning this invention. It is explanatory drawing which shows the process sequence of the payment system of Embodiment 4 concerning this invention. It is explanatory drawing (the 1) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 4 concerning this invention. It is explanatory drawing (the 2) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 4 concerning this invention. It is explanatory drawing (the 3) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 1) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 4 concerning this invention. It is explanatory drawing (the 2) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 4 concerning this invention. It is a flowchart which shows the process sequence of the user terminal device in the payment system of Embodiment 4 concerning this invention. It is a flowchart which shows the process sequence of the payment mediation server in the payment system of Embodiment 4 concerning this invention. It is a flowchart which shows the process sequence of the shop terminal device in the payment system of Embodiment 4 concerning this invention. It is a block diagram which shows the functional structure of each part which comprises the payment system of Embodiment 5 concerning this invention. It is explanatory drawing which shows the process sequence of the payment system of Embodiment 5 concerning this invention. It is a flowchart which shows the process sequence of the user terminal device in the payment system of Embodiment 5 concerning this invention. It is a flowchart which shows the process sequence of the payment mediation server in the payment system of Embodiment 5 concerning this invention. It is a block diagram which shows the functional structure of each part which comprises the payment system of Embodiment 6 concerning this invention. It is explanatory drawing which shows the process sequence of the payment system of Embodiment 6 concerning this invention. It is a flowchart which shows the process sequence of the user terminal device in the payment system of Embodiment 6 concerning this invention. It is a flowchart which shows the process sequence of the payment mediation server in the payment system of Embodiment 6 concerning this invention.

  Exemplary embodiments of a settlement server and a settlement system according to the present invention are explained in detail below with reference to the accompanying drawings.

(Embodiment 1)
(System configuration of payment system)
First, the system configuration of the settlement system according to the first embodiment of the present invention will be described. FIG. 1 is an explanatory diagram showing the system configuration of the settlement system according to the first embodiment of the present invention.

  1, the payment system 100 according to the first embodiment of the present invention includes a user terminal device 110, a store terminal device 120, a payment mediation server 131, and an external payment server 132. In the payment system 100, the user terminal device 110 and the payment mediation server 131, the store terminal device 120 and the payment mediation server 131, and the payment mediation server 131 and the external payment server 132 are via a network such as the Internet (not shown). So that they can communicate with each other.

  The user terminal device 110 and the store terminal device 120 are terminal devices that can be connected to the Internet, and can be realized by, for example, a smartphone. Smartphones have a plurality of data processing functions such as voice calls and management of personal information in addition to the function of connecting to the Internet. The configuration of the smartphone will be described later (see FIG. 2). The various functions provided in the smartphone are well-known techniques, and thus description thereof is omitted.

  The payment intermediary server 131 and the external payment server 132 are terminal devices connectable to the Internet, and can be realized by a computer device such as a personal computer. The computer apparatus that implements the payment intermediary server 131 and the external payment server 132 will be described later (see FIG. 3).

  The settlement intermediary server 131 includes various data tables such as an account information table and a transaction information table. The account information table stores the authorized information in addition to the user information registered by the user of the payment system 100 and the store (the store clerk) affiliated with the payment system 100. The authorized information indicates whether or not the member corresponding to the store among the members of the settlement system 100 is an authorized store that is authorized and registered in advance by an administrator of the settlement system 100 or the like. The transaction information table stores information generated every time payment is made. The external payment server 132 includes a card payment information database. The card payment information database stores information related to card payment. The account information table, transaction information table, and card payment information database will be described later (see FIGS. 4, 5, and 6).

(Hardware configuration of user terminal device 110 and store terminal device 120)
Next, a hardware configuration of a smartphone that realizes the user terminal device 110 and the store terminal device 120 according to the first embodiment of the present invention will be described. FIG. 2 is a block diagram showing a hardware configuration of a smartphone that implements the user terminal device 110 and the store terminal device 120 according to the first embodiment of the present invention.

  In FIG. 2, the smart phone which implement | achieves the user terminal device 110 and the shop terminal device 120 of Embodiment 1 concerning this invention is CPU201, ROM202, RAM203, the display 204, the keyboard 205, the microphone 206, A speaker 207, a camera 208, and a communication I / F (interface) 209 are provided. Moreover, each component 201-209 with which the smart phone which implement | achieves the user terminal device 110 and the shop terminal device 120 of Embodiment 1 concerning this invention is provided is connected by the bus | bath 210, respectively.

  The CPU 201 controls the entire smartphone. The ROM 202 stores a program such as a boot program. The RAM 203 is used as a work area for the CPU 201. The display 204 displays a set mode (such as manner mode and drive mode) when using a smartphone as a mobile phone (or PHS) and various marks, icons, tool boxes, and the like indicating a radio wave reception state. It is mainly realized by a liquid crystal display such as a TFT liquid crystal display.

  The keyboard 205 includes keys for inputting characters, numerical values, various instructions, and the like, and performs data input. The microphone 206 performs analog / digital conversion on the voice of the speaker input as analog data, and generates digital audio data. The speaker 207 performs digital / analog conversion on digital audio data transmitted from the other party, and outputs audio by energizing a coil in the speaker cone based on the analog audio data.

  The camera 208 captures an imaging target by operating the keyboard 205 and generates image data. The generated image data is stored in the RAM 203 or the like. The communication I / F 209 is connected to a network such as the Internet and manages an interface between the network and the inside of the smartphone.

  The communication I / F 209 controls data input / output with a computer device or another smartphone connected to the network via a network such as the Internet. Further, the communication I / F 209 is connected to a telephone line network, and realizes a voice call with a communication terminal device such as another smartphone (portable phone or PHS) or a fixed phone.

(Hardware configuration of settlement mediation server 131 and external settlement server 132)
Next, a hardware configuration of a computer device that realizes the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention will be described. FIG. 3 is a block diagram showing a hardware configuration of a computer device that realizes the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention.

  In FIG. 3, the computer apparatus for realizing the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention includes a CPU 301, a ROM 302, a RAM 303, an HDD (hard disk drive) 304, and an HD (hard disk). 305, an FDD (flexible disk drive) 306, an FD (flexible disk) 307 as an example of a removable recording medium, and a communication I / F 308. Also, the units 301 to 308 included in the computer device that implements the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention are connected by a bus 309.

  The CPU 301 controls the entire computer device. The ROM 302 stores a program such as a boot program. The RAM 303 is used as a work area for the CPU 301. The HDD 304 controls reading / writing of data with respect to the HD 305 according to the control of the CPU 301. The HD 305 stores data written under the control of the HDD 304.

  The FDD 306 controls reading / writing of data with respect to the FD 307 according to the control of the CPU 301. The FD 307 stores data written under the control of the FDD 306. Instead of the FD 307 or in addition to the FD 307, various recording media such as a CD-ROM (CD-RW), an MO, and a DVD (Digital Versatile Disk) may be used as a detachable recording medium. In this case, the computer apparatus that implements the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention includes a drive that controls reading / writing of data with respect to various recording media.

  The communication I / F 308 is connected to a network such as the Internet, and is connected to an external device such as the user terminal device 110, the store terminal device 120, and another computer device via the network. The communication I / F 308 controls an interface between the network and the inside of the computer device, and controls data input / output from the computer device.

(Example of account information table)
Next, an example of an account information table provided in the settlement mediation server 131 will be described. FIG. 4 is an explanatory diagram illustrating an example of an account information table provided in the payment intermediary server 131. In FIG. 4, the account information table 400 provided in the payment intermediation server 131 is necessary for communication with the user name (store name), identification information (password), account number, account balance, authorized information, and external payment server 132. Information is stored. Various types of information stored in the account information table 400 are applied to the operator of the payment system 100 from a user or a store (clerk) at the time of use registration of the payment system 100, for example.

  Prior to the use of the payment system 100, a user or a store clerk first displays a predetermined display screen (not shown) for login on the user terminal device 110 or the store terminal device 120, and the predetermined The login ID and password are input according to the contents of the display screen. The login ID and password are information applied at the time of use registration of the payment system 100. Then, with the login ID and password input, the keys such as “OK” key and “Send” key on a predetermined display screen for login are operated. Hereinafter, the login ID is assumed to be an account number.

  Note that the login ID may be member identification information instead of an account number. The member identification information is information that can identify a member (member) to the settlement system according to the first embodiment of the present invention, such as a user or a store, for each member (user and store). Different information. In this case, there is no password in the account information table, and the password and account number are stored in the user information table (not shown) in association with the member identification information.

  When a user or a store clerk logs in to the user terminal device 110 or the store terminal device 120 using the member identification information and the password, the user or the store clerk uses the password associated with the member identification information. Authentication is performed and the account information table is referenced based on the account number associated with the member identification information. The subsequent processing is the same as when logging in with an account number and password.

  When the user terminal device 110 or the store terminal device 120 is operated with a key such as an “OK” key or a “Send” key while displaying a predetermined display screen for login in which an account number and a password are input In addition to the account number and password, the terminal identification information of each of the terminal devices 110 and 120 is transmitted to the payment intermediary server 131.

  The settlement intermediary server 131 receives the account number, password, and terminal identification information, and stores them in association with the corresponding account number by referring to the account information table 400 based on the account number and password included in the received information. It is determined whether the stored password matches the password included in the received information. If they match, the received account number and terminal identification information are stored in association with each other. The account number and terminal identification information may be stored in association with each other in the terminal information table by creating a terminal information table (not shown) separately from the account information table 400.

  In the terminal information table, the identification information of the store terminal device 120 (such as the ID and serial number of the store terminal device 120) may be stored in association with the account number of the store where the store terminal device 120 is installed. Thus, when the information transmitted from the store terminal device 120 is received without directly transmitting / receiving the store account number between the settlement intermediary server 131 and the store terminal device 120, the sender of the information The account number of the store to be can be specified.

  Further, in the terminal information table, identification information of the user terminal device 110 (e-mail address set in the user terminal device 110, ID and serial number of the user terminal device 110), and use of the user terminal device 110. The user's account number may be associated and stored. As a result, when the information transmitted from the user terminal device 110 is received without directly transmitting / receiving the user's account number between the payment intermediary server 131 and the user terminal device 110, the information The account number of the user of the user terminal device 110 that is the transmission source can be specified.

  In addition, the settlement intermediary server 131, when the password stored in association with the corresponding account number matches the password included in the received information, each terminal that is the transmission source of the account number, password, and terminal identification information The login authentication result is transmitted to the devices 110 and 120. When the terminal devices 110 and 120 that have received the login authentication result transmit various requests to the payment intermediary server 131 from the terminal devices 110 and 120 thereafter, the member identification of the terminal devices 110 and 120 is performed. Information (user name and store name) is transmitted to the settlement intermediary server 131. Thereby, the payment intermediary server 131 can specify the account numbers of the terminal devices 110 and 120 that are the transmission sources of various requests.

  When logging in prior to use of the payment system 100, a session ID may be generated for each login and used instead of the terminal identification information of each terminal device 110, 120. When a session ID is used instead of the terminal identification information of each terminal device 110, 120, the above-described terminal information table is stored in association with the session ID and the account number.

  In this case, when the password stored in association with the corresponding account number matches the password included in the received information, the settlement intermediary server 131 becomes the sender of the account number, password, and member identification information. The login authentication result and the session ID are transmitted to the terminal devices 110 and 120. When the terminal devices 110 and 120 that have received the login authentication result then send various requests from the terminal devices 110 and 120 to the payment intermediary server 131, the terminal IDs received together with the login authentication result are used. To the settlement intermediary server 131. Thereby, the payment intermediary server 131 can specify the account numbers of the terminal devices 110 and 120 that are the transmission sources of various requests.

  Note that the login method is not limited to the method of managing using the terminal information table or the like in the payment intermediary server 131. Instead of the login method described above, for example, the account numbers and passwords are stored in the terminal devices 110 and 120, and each time a request is sent to the settlement intermediary server 131, the stored account numbers and passwords are stored. You may make it transmit.

  The personal identification information (password) is information that can be identified as a member (member) to the settlement system according to the first embodiment of the present invention, and is different for each member (member). Can do. The identity verification information (password) may be information that can be arbitrarily set by the member, or information assigned by the administrator of the payment intermediary server.

  The account information is information that allows the member to identify the account in which the funds are deposited, and can be the account number of a deposit account opened in a financial institution such as a bank. In this embodiment, the store identification information of the store where the store terminal device 120 is installed can be realized by the account number of the store where the store terminal device 120 is installed. In this embodiment, the user identification information of the user of the user terminal device 110 can be realized by the account number of the user of the user terminal device 110.

  The account information is not limited to the account number of a deposit account opened at a general financial institution. For example, the account information may be information in which an account for depositing funds that can be transferred in the payment system 100 is provided by an operator of the payment system 100 and the account can be identified. The account balance indicates the amount of funds deposited in the account identified by the account information. The account balance may be, for example, a credit available frame in a credit credit transaction.

  The authorized information indicates whether or not the store where the store terminal device 120 is installed is an authorized store registered in advance by an administrator of the payment system 100 or the like. In the account information table 400, the authorized information is stored for each store identification information of the store terminal device 120. In the account information table 400 shown in FIG. 4, the authorized information is indicated by “◯ (official)” or “×”.

  Further, in the account information table 400 shown in FIG. 4, when the authorized information is “◯ (official)”, it indicates that it is an authorized store, that is, an official store, and when it is “x”, it indicates that it is not an official store. . In the first embodiment according to the present invention, an authorized discrimination database can be realized by the account information table 400.

  Information necessary for communication with the external settlement server 132 can be, for example, a card number or a password set when issuing a card with the card number. In the account information table 400, member identification information such as account number, user name and store name, identity confirmation information (password), account balance, and information necessary for communication with the external settlement server 132 are the same user or It is stored in association with each same store.

  The account information table 400 is provided in a nonvolatile storage medium. Specifically, the nonvolatile storage medium can be realized by, for example, the HD 305 provided in the settlement mediation server 131. Alternatively, the non-volatile storage medium may be specifically realized by, for example, the ROM 302 provided in the settlement mediation server 131.

  The non-volatile storage medium in which the account information table 400 is provided is not limited to the one stored in the computer device that implements the settlement mediation server 131. The non-volatile storage medium in which the account information table 400 is provided may be provided in a computer device different from the computer device that implements the settlement mediation server 131. In this case, the settlement intermediary server 131 can acquire information stored in the account information table 400 by communicating with a computer device including a non-volatile storage medium in which the account information table 400 is provided. it can.

(Example of transaction information table)
Next, an example of a transaction information table provided in the settlement mediation server 131 will be described. FIG. 5 is an explanatory diagram showing an example of a transaction information table provided in the payment intermediary server 131. In FIG. 5, the transaction information table 500 provided in the settlement mediation server 131 stores a transaction number, a remittance source account number, a remittance destination account number, a remittance amount, transaction information registration date and time, and a status flag.

  In the transaction information table 500, the transaction number is information that can identify each payment using the payment system 100, and is generated every time payment using the payment system 100 is performed. In the transaction information table 500, the remittance source account number, the remittance destination account number, the remittance amount, and the status flag are stored in association with the transaction number. The remittance source account number and the remittance destination account number are information that can identify the account opened by the store, and the transaction information registration date and time indicates the date and time when the transaction information is registered in the transaction information table 500. The remittance amount can be information that can identify the amount of money that the user has purchased at the store. The status flag indicates the progress status of each item in the transaction information table 500.

  The transaction information table 500 is provided in a non-volatile storage medium. Specifically, the nonvolatile storage medium can be realized by, for example, the HD 305 provided in the settlement mediation server 131. Alternatively, the non-volatile storage medium may be specifically realized by, for example, the ROM 302 provided in the settlement mediation server 131.

  The non-volatile storage medium in which the transaction information table 500 is provided is not limited to that stored in the computer device that implements the settlement mediation server 131. The non-volatile storage medium in which the transaction information table 500 is provided may be provided in a computer device different from the computer device that implements the settlement mediation server 131. In this case, the settlement intermediary server 131 can acquire information stored in the transaction information table 500 by communicating with a computer device including a non-volatile storage medium in which the transaction information table 500 is provided. it can.

(Example of card payment information database)
Next, an example of a card payment information database provided in the external payment server 132 will be described. FIG. 6 is an explanatory diagram showing an example of a card payment information database provided in the external payment server 132. In FIG. 6, the card payment information database 600 provided in the external payment server 132 stores information related to card payment. Information relating to card payment is registered in the card payment information database 600 every time the card payment is completed. The information related to card payment includes a card number.

  The card number is information unique to each card, and is information that can identify each card. Specifically, for example, when the card in the first embodiment is realized by a credit card, the card number can be a unique credit card number for each credit card.

  In the credit card number, the card issuer (issuer) such as a credit card company can be specified by the first six-digit bank identification number (BIN). The credit card number includes a BIN, is configured by an arbitrary number sequence assigned by a card issuer, and is unique information for each card.

  The card number only needs to be information (card identification information) that can identify each card, and is not limited to a list of numbers such as a credit card number. Specifically, the card number may be realized by, for example, information on a predetermined number of digits including only alphabets, or information on a predetermined number of digits including numbers and alphabets.

  Moreover, the information regarding card payment includes information that can specify the use date and time of the card. The information that can specify the card use date and time can be, for example, card payment date and time information (date and time information when the card is read) included in the card payment request information transmitted from the payment intermediary server 131.

  Alternatively, the information that can specify the use date and time of the card is information that can specify the date and time when the card payment request information transmitted from the payment intermediary server 131 is received. It can be specified using GPS radio waves. The information that can specify the card use date and time is information that can specify the date and time at which the card payment request information transmitted from the payment intermediary server 131 is received at the time measured by the clocking function of the external payment server 132. There may be.

  In this case, the information that can specify the card use date and time can be information that directly indicates the date and time when the card payment request information transmitted from the payment mediation server 131 is received. Specifically, it can be information directly indicating the date, such as “18:27 on May 1, 2010”.

  Further, the information that can specify the card use date and time can be set to “2011005011827” or the like if the use date and time is “18:27 on May 1, 2010”, for example. Moreover, the information regarding card payment may include the store terminal device ID of the store where the card was used, that is, the store where the card payment was made. Store terminal device ID can be set for every store terminal device 120, for example.

  In addition, the information related to the card payment includes, for example, the contents of each card payment such as the number of payments specified for each card payment, the usage amount for each card payment (use amount per card payment), the usage amount for a predetermined period, etc. It may include identifiable information. In the card settlement information database 600 shown in FIG. 6, the usage amount per month (current month) is stored as the usage amount for each predetermined period. Further, the information related to the card payment may include information that can specify the accumulated usage limit amount in a predetermined period such as one month.

  In the card settlement information database 600, the usage amount for a predetermined period that has already expired and the usage amount for a predetermined period that has not expired are stored as the usage amount for each predetermined period. The usage amount for a predetermined period that has not expired is unconfirmed, and is determined when the predetermined period (from the previous month 11 to the next month 10) has expired. In the card settlement information database 600, the usage amount for a predetermined period that has not expired is stored as a scheduled billing amount.

(Example of completed card payment information database)
Next, an example of the completion card payment information database 700 provided in the external payment server 132 will be described. FIG. 7 is an explanatory diagram showing an example of the completion card payment information database 700 provided in the external payment server 132.

  In FIG. 7, the completed card payment information database 700 provided in the external payment server 132 stores information related to completed card payment. Information regarding the completed card payment is registered in the completed card payment information database 700 every time the card payment is completed. The information related to card payment includes a card number.

  Further, the information related to the completed card payment includes information that can specify the completion date and time of the card payment. The information that can specify the completion date and time of the card payment can be, for example, the date and time information of the card payment (date and time information when the card is read) included in the card payment request information transmitted from the payment intermediary server 131.

  Alternatively, the information that can specify the date and time of the card payment is information that can specify the date and time when the card payment request information transmitted from the payment intermediary server 131 is received at the time counted by the clocking function of the external payment server 132. There may be. Moreover, the information regarding the completed card payment includes information that can identify the store that uses the card, that is, the store that has made the card payment. The information that can specify the store where the card is used can be, for example, store identification information (store account number) of the store where each store terminal device is installed.

  In addition, information on the completed card payment includes, for example, the number of payments specified at the time of executing the card payment, the usage amount for each card payment (the usage amount per card payment), the usage amount for each predetermined period, etc. Information that can identify the contents of the settlement may be included. The predetermined period can be, for example, one month. In this case, the usage amount per month is stored.

  In the completion card settlement information database 700, the usage amount for a predetermined period that has already expired and the usage amount for a predetermined period that has not expired are stored as the usage amount for each predetermined period. The usage amount for a predetermined period that has not expired is unconfirmed, and is determined when the predetermined period (from the previous month 11 to the next month 10) has expired. In the completed card payment information database 700, the usage amount for a predetermined period that has not expired is stored as a billing scheduled amount.

  In the completed card payment information database 700, information related to completed card payment is stored for each card payment. Specifically, for example, when the card payment is performed three times on the same day using one card, the card payment for three cases associated with the card number of the card is completed in the completed card payment information database 700. Are stored as information related to completed card payments in one day.

  In the first embodiment, the database necessary for realizing the settlement means replacing the cash by the credit card has been described. However, the settlement means replacing the cash is not limited to that realized by the credit card. The settlement means instead of cash may be realized by a debit card, for example. Since a database necessary for realizing a settlement means instead of cash by a debit card and processing using the database are known techniques, description thereof will be omitted.

(Functional configuration of payment system 100)
Below, the functional structure of each part which comprises the payment system 100 of Embodiment 1 concerning this invention is demonstrated. FIG. 8 is a block diagram showing a functional configuration of each part constituting the settlement system 100 according to the first embodiment of the present invention.

  In FIG. 8, the settlement system 100 according to the first embodiment of the present invention includes a store terminal device 120, a user terminal device 110, and a settlement mediation server 131. The payment system 100 according to the first embodiment of the present invention may further include an external payment server 132.

  In the payment system 100 according to the first embodiment of the present invention, a payment server can be realized by the payment intermediary server 131 and the external payment server 132. The store terminal device 120 includes a display unit 120a that displays the transaction number transmitted from the settlement server. The user terminal device 110 includes an input unit 110a for inputting a transaction number displayed on the display unit 120a of the store terminal device 120.

  Each function of the settlement intermediary server 131 in the settlement system 100 according to the first embodiment of the present invention includes an account information table 400, a payment amount receiving unit 801, an authorized determination unit 802, a transaction number generation unit 803, and a storage unit. 804, transaction number transmission unit 805, transaction number reception unit 806, extraction unit 807, transaction information transmission unit 808, authentication information reception unit 809, authentication processing unit 810, settlement execution unit 811, notification unit 812 and the interruption notification unit 813.

  Account information table 400, payment amount receiving unit 801, authorized determination unit 802, transaction number generation unit 803, storage unit 804, transaction number transmission unit 805 realizing each function of the settlement intermediary server 131 according to the first embodiment of the present invention. , Transaction number reception unit 806, extraction unit 807, transaction information transmission unit 808, authentication information reception unit 809, authentication processing unit 810, settlement execution unit 811, notification unit 812 and interruption notification unit 813 It can be realized by each unit provided in a computer device that realizes the server 132.

  The payment amount receiving unit 801 receives the payment amount that the user pays to the store from the store terminal device 120. When the store terminal device 120 receives a predetermined input operation by a store clerk or a user, the store terminal device 120 receives an input of a payment amount paid by the user to the store. Then, the store terminal device 120 transmits the payment amount received (or the payment amount including information that can identify the payment amount) to the settlement mediation server 131.

  In addition to the payment amount, the store terminal device 120 can identify the account number of the store that is the store identification information of the store where the store terminal device 120 that is the transmission source of the payment amount is installed, in addition to the payment amount Send information that contains sensitive information. In the first embodiment according to the present invention, the payment amount received for the input and the account number of the store where the store terminal device 120 is installed are transmitted. For example, information such as terminal identification information or session ID may be used as information that can specify the account number of the store.

  Based on the account information table 400, the authorized determination unit 802 determines whether or not the store where the store terminal device 120 that is the transmission source of the payment amount received by the payment amount reception unit 801 is installed is an authorized store. The store is a store specified by the store identification information. Each time the payment amount is received by the payment amount receiving unit 801, the authorized determination unit 802 is based on the store identification information (store account number) of the store where the store terminal device 120 that is the transmission source of the payment amount is installed. Then, it is determined whether or not the store is an authorized store.

  The transaction number generation unit 803 generates a transaction number for the payment amount received by the payment amount reception unit 801 when the recognition determination unit 802 determines that the store is an authorized store. The transaction number generation unit 803 generates a transaction number for the payment amount included in the payment amount every time the authorized determination unit 802 determines that the store is an authorized store.

  The transaction number generation unit 803 generates a transaction number only when the authorized determination unit 802 determines that the store is an authorized store. That is, the transaction number generation unit 803 does not generate a transaction number for the payment amount received by the payment amount reception unit 801 when the approval determination unit 802 determines that the store is not an authorized store. The settlement intermediary server 131 interrupts the subsequent processing when it is judged by the authorized judgment unit 802 that it is not an authorized store.

  The transaction number is information that can identify each settlement performed using the settlement system 100, and can be realized by, for example, a serial number indicating the order in which the payment amounts are received by the payment amount receiving unit 801. Specifically, the transaction number generation unit 803, for example, according to the order in which the payment amount is received by the payment amount reception unit 801, “00001”, “00002”,. ) "Can be generated. The number of digits of the transaction number is not limited to 5 digits, and may be 4 digits or less, or 6 digits or more.

  Alternatively, the transaction number may be generated based on the date and time when the payment amount is received by the payment amount reception unit 801, for example. Specifically, for example, when the date and time when the payment amount is received by the payment amount receiving unit 801 is “15:49:25 on April 15, 2010”, the transaction number generation unit 803 sets the transaction number “201004151554925”. Can be generated.

  The storage unit 804 stores the transaction number generated by the transaction number generation unit 803 in association with the payment amount and the store account number that is store identification information. The storage unit 804 associates the transaction number generated by the transaction number generation unit 803, the payment amount included in the payment amount received by the payment amount reception unit 801, and the store account number, and stores the transaction number in the transaction information table 500. Remember. For example, every time a transaction number is generated by the transaction number generation unit 803, the storage unit 804 stores the transaction number, the payment amount, and the store account number in association with each other.

  The transaction number transmission unit 805 transmits the transaction number generated by the transaction number generation unit 803 to the store terminal device 120. The transaction number transmission unit 805 stores the transaction number generated by the transaction number generation unit 803 for the payment amount included in the payment amount received by the payment amount reception unit 801, and the store terminal device that is the transmission source of the payment amount 120.

  The transaction number transmission unit 805 transmits the generated transaction number to the corresponding store terminal device 120 each time a transaction number is generated by the transaction number generation unit 803. Alternatively, each time the transaction number generated by the transaction number generation unit 803 is stored in the storage unit 804, the transaction number transmission unit 805 transmits the stored transaction number to the corresponding store terminal device 120. Good.

  The transaction number transmitted by the transaction number transmission unit 805 is received by the corresponding store terminal device 120. When the store terminal device 120 receives the transaction number transmitted by the transaction number transmission unit 805, the store terminal device 120 visualizes and outputs the received transaction number. The store terminal device 120 generates, for example, a QR code indicating the transaction number transmitted by the transaction number transmission unit 805 (see reference numeral 1310 in FIG. 13), and the smartphone that realizes the store terminal device 120 using the generated QR code The transaction number is visualized by displaying it on the display 204 included in.

  In the first embodiment, the QR code indicating the transaction number transmitted by the transaction number transmission unit 805 is generated in the store terminal device 120, but the present invention is not limited to this. For example, in the payment intermediary server 131, a QR code indicating the transaction number transmitted by the transaction number transmission unit 805 is generated, and image data representing the QR code is downloaded from the payment intermediation server 131 to the store terminal device 120 and downloaded. The QR code image may be displayed on the display 204.

  The user terminal device 110 receives an input of a transaction number visualized by the store terminal device 120. Then, the user terminal device 110 sets the transaction number that has been input and the account number of the user, which is the user identification information of the user of the user terminal device 110 that has received the input of the transaction number, as a settlement intermediary. It transmits to the server 131. For example, the following method is assumed as a method of receiving the input of the transaction number visualized by the store terminal device 120 in the user terminal device 110 and transmitting the account number of the user together with the transaction number.

  The method of accepting the input of the transaction number visualized by the store terminal device 120 in the user terminal device 110 and transmitting the account number of the user together with the transaction number is the transaction to the user terminal device 110 in the user terminal device 110. Application that, when receiving the input of a number, transmits the transaction number that has been input and the account number of the user of the user terminal device 110 that has received the input of the transaction number to the settlement mediation server 131 (the URL thereof) Software (hereinafter referred to as “settlement support application software”) is installed. The user activates the payment support application software and reads the QR code displayed on the display 204 of the store terminal device 120.

  The settlement support application software transmits the transaction number included in the read QR code to the settlement mediation server 131. The address of the payment intermediary server 131 as a transmission destination may be installed in the user terminal device 110 in advance together with the payment support application software, or may be included as a URL in the QR code displayed on the display 204.

  In said method, the user terminal device 110 is not restricted to what transmits a user's account number. In the above method, the user terminal device 110 may transmit information that can identify the user terminal device 110, for example, an address assigned to the user terminal device 110 instead of the user's account number May be. When transmitting an address assigned to the user terminal device 110 instead of the account number of the user, as an address assigned to the user terminal device 110 transmitted instead of the account number, for example, terminal identification information or a session ID can be used.

  Further, the user terminal device ID may be, for example, the serial number of the user terminal device 110. In these cases, in any case, the payment intermediary server 131 includes a database that stores information transmitted from the user terminal device 110 in association with the account number of the user, and is used based on the database. The account number of the person can be specified.

  The transaction number receiving unit 806 receives the transaction number transmitted by the transaction number transmission unit 805 and the user account number that is the user identification information of the user of the user terminal device 110 to which the transaction number is input, Received from the user terminal device 110. When the transaction number is received by the transaction number receiving unit 806, the extracting unit 807 refers to the transaction information table 500 and uses the payment amount and the store identification information corresponding to the transaction number received by the transaction number receiving unit 806. An account number of a certain store is extracted from the transaction information table 500.

  The transaction information transmission unit 808 transmits transaction information including the payment amount extracted by the extraction unit 807 and store information related to the store account number to the user terminal device 110. Since the payment intermediary server 131 can determine that the store is an authorized store when the transaction number is generated, the transaction information transmission unit 808 sends the transaction number to the corresponding user terminal device 110 when the transaction number is generated. Transaction information is sent to.

  The store information may be store member identification information (store name) identified by the store account number, for example. Further, the store information may include, for example, the location of the store identified by the store account number. The store information is associated with the store account number, for example, in the HD 305 provided in the payment intermediary server 131. Pre-stored.

  In addition, the transaction information transmission unit 808 is associated with the transaction number included in the transaction information transmitted to the user terminal device 110 and the remittance source account number (user account number) specified by the transaction number. The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500.

  Further, the transaction information transmission unit 808 refers to, for example, the status flag in the transaction information table 500, and receives the transaction number received by the transaction number reception unit 806 and the user's account number (the account of the user as the remittance source account number). If the authentication information related to the transaction information whose status flag is “completed” is received, it is determined that “error in the user terminal device 110”, “communication error”, etc., and the received transaction Ignore the number and user account number (does not send payment or transaction information).

  Further, for example, the transaction information transmission unit 808 refers to the transaction information registration date and time in the transaction information table 500, and the date and time when the transaction number received by the transaction number receiving unit 806 and the user account number are received are the transaction number. If a predetermined time or more has passed since the transaction information registration date and time associated with the transaction number and the user terminal device ID received by the receiving unit 806, “erroneous operation in user terminal device 110”, “communication error”, etc. Judging and ignoring the received transaction number and the user's account number (the payment amount and transaction information are not transmitted).

  For example, when the transaction number is received by the transaction number receiving unit 806, the transaction information transmitting unit 808 sends the transaction information to the user terminal device 110 that is the transmission source of the transaction number received by the transaction number receiving unit 806. Send. The user terminal device 110 that is the transmission source of the transaction number can be identified by the address that is transmitted together with the transaction number and is assigned to the user terminal device 110 that is the transmission source of the transaction number. The transaction information transmission unit 808 may transmit transaction information including a transaction number associated with the payment amount to be transmitted to the user terminal device 110.

  The transaction information transmitted by the transaction information transmission unit 808 is received by the corresponding user terminal device 110. Upon receiving the transaction information, the user terminal device 110 (the payment support application software) executes the payment support application software, and based on the received transaction information, stores the store information such as the store name and the payment amount. And displayed on the display 204 included in the smartphone that implements the user terminal device 110.

  The user confirms the store name and the payment amount displayed on the display 204 provided in the smartphone that implements the user terminal device 110, and inputs identity verification information when executing settlement. The identity verification information can be information that can identify the user of the payment system 100 in the payment intermediary server 131.

  For example, the user identification information is provided on the smartphone that realizes the user terminal device 110 according to the display screen (see FIG. 24) displayed on the display 204 provided on the smartphone that implements the user terminal device 110. An input can be performed by performing a predetermined input operation on the keyboard 205. Specifically, the personal identification information can be a password registered in the account information table 400, for example.

  The identity verification information may be, for example, the name, password, and card number of the user registered in the account information table 400. The identity verification information may be, for example, an arbitrarily set membership number. The identity verification information may be one of the above password, user name, password, card number, or membership number, or information that combines two or more passwords, passwords, membership numbers, etc. There may be.

  Or identity verification information may be signature information, for example. In this case, the user inputs sign information using, for example, a touch panel (touch pad). The touch panel (touch pad) is not limited to the one provided in the smartphone that implements the user terminal device 110, but may be implemented by an external device connected to the smartphone that implements the user terminal device 110. When the personal identification information is signature information, the account information table 400 stores the signature information in association with the member identification information of the user.

  When the user identification information is input, the user terminal device 110 (its payment support application software) transmits authentication information for the transaction information received by the user terminal device 110 to the payment mediation server 131. The authentication information is information indicating that the user has authenticated (approved) the settlement (transaction) indicated by the transaction information (payment amount, etc.) received at the user terminal device 110. Information indicating that confirmation information or identification information has been input can be used.

  The user terminal device 110 (settlement support application software) transmits the transaction number included in the transaction information received from the settlement mediation server 131 together. As a result, the payment intermediary server 131 can determine which payment (transaction) is the identity verification information based on the information transmitted from the user terminal device 110.

  Further, in the operation of the payment system 100, the user terminal device 110 (the payment support application software thereof) performs a predetermined input operation after the input of the personal identification information, so that the input of the personal verification information is performed. When the transmission instruction is accepted, the authentication information may be transmitted to the settlement intermediary server 131. Thereby, it can suppress that authentication information is transmitted to the payment mediation server 131 accidentally, and authentication information can be transmitted only when authenticated by the user.

  Alternatively, the user terminal device 110 (its payment support application software) transmits authentication information including either information indicating that the user himself / herself has been authenticated or information indicating that the user himself / herself has not been authenticated. It may be. As a result, it is possible to prevent erroneous authentication information from being transmitted to the payment intermediary server 131, and it is possible to transmit authentication information only when the user is surely authenticated.

  The authentication information receiving unit 809 receives authentication information for transaction information from the user terminal device 110. The authentication information receiving unit 809 receives authentication information for the transaction information transmitted by the transaction information transmitting unit 808 from the user terminal device 110. Based on the status flag in the transaction information table 500, whether or not the transaction information transmitted by the transaction information transmitting unit 808 has received the corresponding authentication information is “in process”. Alternatively, the determination can be made based on whether or not “completion” is set. For example, when the authentication information regarding the transaction information whose status flag in the transaction information table 500 is “completed” is received, the authentication information receiving unit 809 determines that “an erroneous operation in the user terminal device 110”, “a communication error”, or the like. Then, the authentication information received repeatedly is ignored (not received).

  Further, when the authentication information is transmitted from the user terminal device 110, the authentication information receiving unit 809 refers to the transaction information table 500, and the current time is associated with the transaction information corresponding to the received authentication information. If it is within a predetermined time from the transaction information registration date and time, the authentication information is received. Alternatively, the authentication information receiving unit 809 refers to the transaction information table 500 when the authentication information is transmitted from the user terminal device 110, and the current time is associated with the transaction information corresponding to the received authentication information. If a predetermined time or more has elapsed since the transaction information registration date and time, the authentication information is not received and the authentication information transmitted from the user terminal device 110 is ignored.

  The authentication processing unit 810 performs authentication processing based on the authentication information received by the authentication information receiving unit 809. The authentication processing unit 810 refers to the account information table 400 based on the identity confirmation information included in the authentication information received by the authentication information receiving unit 809 during the authentication process, and the user who is the transmission source of the authentication information (Users permitted (approved) to execute transactions) are identified, and the account balance of the identified users is extracted.

  In the authentication process, the authentication processing unit 810 specifies the transaction information authenticated by the specified user, and specifies the payment amount included in the specified transaction information. Then, with reference to the account information table 400, the specified account balance of the user is compared with the specified payment amount to determine whether the account balance is equal to or greater than the payment amount.

  The settlement execution unit 811 executes settlement when authentication processing is performed by the authentication processing unit 810. The settlement execution unit 811 transfers the payment amount from a user account provided in advance to a store account. Specifically, when authentication is performed by the authentication processing unit 810, the settlement execution unit 811 refers to the transaction information table 500 and displays information related to the transaction specified by the authentication information received by the authentication information receiving unit 809. Extract. Further, the settlement execution unit 811 refers to the account information table 400 and identifies the user and the store involved in the transaction specified by the authentication information received by the authentication information receiving unit 809. Then, the settlement execution unit 811 executes settlement by transferring the amount of money corresponding to the amount of payment between the identified user account and the store account using the information related to the extracted transaction. .

  The notification unit 812 notifies at least one of the user terminal device 110 and the store terminal device 120 that the payment has been executed by the payment execution unit 811. The payment result notification includes, for example, information for displaying a message indicating that payment has been executed by the payment execution unit 811 on the display 204 provided in the smartphone that implements the user terminal device 110.

  The notification unit 812 may notify both the user terminal device 110 and the store terminal device 120 that the payment has been executed by the payment execution unit 811. The notification content notified by the notification unit 812 may be anything that guides the result of executing the payment by the payment execution unit 811, and may be different between the user terminal device 110 and the store terminal device 120.

  Specifically, for example, the notification unit 812 notifies the user terminal device 110 of the content “settlement has been completed. Thank you for the use.” "The transaction number is 1122." In addition, the notification unit 812 notifies the user terminal device 110 of the name of the store where the payment is made, such as “Thank you for using the payment. Also good. Moreover, the notification part 812 may notify the date when payment was performed, for example.

  The settlement execution unit 811 described above is not limited to executing settlement by transferring funds between a user account and a store account. The settlement execution unit 811 may execute settlement in the settlement execution unit 811 by mediating credit settlement by a credit card, for example.

  When mediating credit settlement using a credit card, for example, processing can be performed using a card number and a password registered in advance in the account information table 400. When mediating credit settlement using a credit card, for example, processing may be performed using a personal identification number input to the user at the timing of inputting personal identification information.

  Specifically, when mediating credit settlement using a credit card, for example, the identity confirmation information is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 by the user terminal device 110 (its settlement support application software). In addition to, a screen prompting for the card number is displayed. When the authentication execution unit 811 receives the authentication information including the identification information and the card number input in accordance with the screen displayed on the display 204 in the authentication information receiving unit 809, the payment execution unit 811 makes a card payment request to the external payment server 132. Send. This card settlement request includes the card number and payment amount of the user who requests credit settlement in the external settlement server 132.

  The external payment server 132 refers to the card payment information database 600 based on the card payment request transmitted by the payment execution unit 811, and the user specified by the card number included in the card payment request It is determined whether credit settlement of the payment amount included in the settlement request is possible. Specifically, for example, the external settlement server 132 specifies the expiration date of the corresponding card number based on the card number, and determines whether the card is within the expiration date. If credit settlement is possible, a predetermined credit settlement process is performed, and the result of the process is transmitted to the settlement mediation server 131 (settlement execution unit 811).

  When the credit settlement is impossible, the external settlement server 132 may transmit information indicating that the credit settlement is impossible to the settlement mediation server 131 (its settlement execution unit 811). The settlement execution unit 811 receives the result of the process transmitted from the external settlement server 132 to the settlement mediation server 131 as a result of transmitting the card settlement request.

  When the payment execution unit 811 transmits a card payment request to the external payment server 132, the notification unit 812 transmits the card payment request, and as a result of the processing received from the external payment server 132 by the payment execution unit 811. Is notified to at least one of the user terminal device 110 and the store terminal device 120.

  The interruption notification unit 813 notifies the store terminal device 120 that the processing is interrupted because the corresponding store is not an authorized store when the authorized determination unit 802 determines that the store is not an authorized store. The interruption notification unit 813 gives an interruption notification indicating that the process is interrupted because the corresponding store is not an authorized store, such as “Your store is not an official store of the XX payment system and cannot accept payment”. , To the corresponding store terminal device 120. Specifically, the interruption notification unit 813, for example, “cannot accept payment because your store is not an official store of the XX payment system. About the use of this payment system XXX-XXXXXX. An interruption notice including a message “Please contact XXX” may be transmitted to the corresponding store terminal device 120.

(Processing procedure of payment system 100)
Next, a processing procedure of the settlement system 100 according to the first embodiment of the present invention will be described. 9, FIG. 10, FIG. 11, FIG. 12, FIG. 13, FIG. 15, FIG. 15, FIG. 16, FIG. 17, FIG. 3 is an explanatory diagram showing a processing procedure of the system 100.

  9, 10, 11, 12, 13, 14, 15, 15, 16, 17, 18, 19, 20, and 21 according to the first embodiment of the present invention. When making a payment using the system 100, the store terminal device 120 requests the payment intermediary server 131 to generate a QR code for a product or service that the user (purchaser) intends to purchase (FIG. 9 and FIG. 9). (See arrow 900 at 21). The store terminal device 120 requests the payment intermediary server 131 to generate a QR code by transmitting a payment amount and a store account number (for example, “00002” of Hinomaru store) as store identification information. The shop terminal device 120 may request generation of a URL address instead of the QR code.

  In stores, the amount of goods and services may fluctuate from day to day, so QR codes or URL addresses are not generated in advance by batch processing, and every time payment using the payment system 100 is performed, The store terminal device 120 requests the payment intermediary server 131 to generate a QR code or a URL address.

  When the payment intermediary server 131 receives the payment amount from the store terminal device 120, based on the account information table 400, is the store where the store terminal device 120 that is the source of the payment amount installed is an authorized store (official)? (Official judgment: see arrow 1000 in FIG. 10). Specifically, for example, when the payment intermediary server 131 receives the payment amount from the store terminal device 120, the account number of the store where the store terminal device 120 that is the transmission source of the payment amount is installed (for example, “00002 of Hinomaru store). )). Next, it is determined whether or not the corresponding store is an authorized store with reference to the authorized information stored in association with the account number of the identified store.

  The settlement intermediary server 131 generates a transaction number when determining that the store is an authorized store. Then, the generated transaction number and the received payment amount are associated with each other and stored in the transaction information table 500 (see arrow 1100 in FIG. 11). Further, the settlement intermediary server 131 stores the store account number received together with the payment amount in the transaction information table 500 in association with the transaction number as a remittance account number. Then, the settlement intermediary server 131 transmits the generated transaction number to the store terminal device 120 that is the source of the payment amount (see arrow 1200 in FIGS. 12 and 21).

  Upon receiving the transaction number transmitted from the settlement intermediary server 131, the store terminal device 120 generates a QR code indicating the received transaction number and displays the generated QR code (see arrow 1300 in FIG. 13). . The user inputs a transaction number to the user terminal device 110 by reading the QR code 1310 displayed on the store terminal device 120 (see an arrow 1400 in FIGS. 14 and 21).

  The user terminal device 110 transmits the transaction number input by reading the QR code 1310 to the settlement mediation server 131 (see the arrow 1500 in FIGS. 15 and 21). In addition to the transaction number, the user terminal device 110 transmits the account number of the user, which is the user identification information of the user of the user terminal device 110, to the settlement intermediary server 131.

  When receiving the transaction number transmitted from the user terminal device 110, the settlement intermediary server 131 extracts the payment amount and the store account number corresponding to the received transaction number from the transaction information table 500 (arrow in FIG. 16). 1610). Then, the settlement intermediary server 131 transmits transaction information including the extracted payment amount and store information relating to the store account number to the user terminal device 110 (see an arrow 1620 in FIGS. 16 and 21). The settlement intermediary server 131 transmits the transaction information to the corresponding user terminal device 110 only when it is determined that the corresponding store is an authorized store.

  Upon receiving the transaction information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information (see reference numeral 2400 in FIG. 24). The user confirms the store name and the payment amount, and inputs the person confirmation information when executing settlement. When the user identification information is input, the user terminal device 110 transmits authentication information for the transaction information received by the user terminal device 110 to the payment intermediary server 131 (see the arrow 1700 in FIGS. 17 and 21). ).

  When receiving the authentication information, the settlement intermediary server 131 performs an authentication process based on the received authentication information, and executes a settlement based on the result of the authentication process. When executing the settlement, the settlement intermediary server 131 performs the settlement by transferring funds between the accounts based on the information stored in the account information table 400 (see arrow 1810 in FIG. 18). Further, when executing payment, a part of payment in the payment system 100 may be executed in the external payment server 132 by appropriately communicating with the external payment server 132 (arrows in FIGS. 18 and 21). 1820).

  Thereafter, the payment intermediary server 131 transmits a payment result notification indicating the result of executing the payment to at least one of the user terminal device 110 and the store terminal device 120 (see arrows 1910 and 1920 in FIGS. 19 and 21). ). Thereby, it is possible to guide the user or the store that the settlement has been completed. When the settlement result notification is transmitted only to the user terminal device 110 or only to the store terminal device 120, the received one (for example, the user) shows the received settlement result notification to the other (for example, the store clerk). The payment system 100 may be operated. The payment intermediary server 131 may transmit a payment result notification to both the user terminal device 110 and the store terminal device 120.

  As a result of the above determination (see arrow 1000 in FIG. 10), the settlement intermediary server 131 interrupts the subsequent processing when determining that the store is not an authorized store. Further, as a result of the above determination (see arrow 1000 in FIG. 10), the settlement intermediary server 131 interrupts the processing because the corresponding store is not an authorized store when it is determined that the corresponding store is not an authorized store. May be notified to the store terminal device 120 (see the arrow 2000 in FIGS. 20 and 21).

(Example of display screen of store terminal device 120)
Below, the example of a display screen of the shop terminal device 120 in the payment system 100 of Embodiment 1 concerning this invention is demonstrated. 22, FIG. 23 and FIG. 24 are explanatory diagrams showing examples of display screens of the shop terminal device 120 in the settlement system 100 according to the first embodiment of the present invention.

  In FIG. 22, a display screen 2200 displays a store name and a payment amount. The display screen 2200 is displayed on the display 204 provided in the smartphone that realizes the store terminal device 120 when the payment amount is input. The display screen 2200 may be displayed only when the corresponding store is determined to be an authorized store, and may not be displayed when it is determined that the corresponding store is not an authorized store. The setting as to whether or not to display the display screen 2200 may be realized by an option function that can be set by a predetermined input operation on the store terminal device 120, for example.

  On display screen 2200, the store name is displayed in advance, and the payment amount is input by the store (the clerk). The display screen 2200 displays a numeric key and an “OK” key for inputting the payment amount. The store (the clerk) can input the payment amount by operating these keys displayed on the display screen 2200.

  In FIG. 23, the display screen 2300 displays the payment amount and transaction number input by the store (the clerk) in addition to the store name and the payment amount. When the display screen 2300 receives the transaction number generated in the settlement intermediary server 131 as a result of the payment amount input on the display screen 2200 being transmitted to the settlement intermediary server 131, the smartphone that realizes the store terminal device 120 It is displayed on the display 204 provided. The QR code 1310 indicating the transaction number is generated, for example, in a smartphone that realizes the store terminal device 120. Alternatively, the QR code 1310 indicating the transaction number may be generated in the payment intermediary server 131, for example.

  In FIG. 24, the display screen 2400 displays a message indicating that the transaction indicated by the store name, the payment amount, and the transaction number is completed in addition to the store name, the payment amount, and the transaction number. The display screen 2400 is displayed on the display 204 provided in the smartphone that implements the store terminal device 120 when payment is executed in the payment mediation server 131 and a payment result notification is received from the payment mediation server 131.

(Example of display screen of user terminal device 110)
Below, the example of a display screen of the user terminal device 110 in the payment system 100 of Embodiment 1 concerning this invention is demonstrated. 25, 26, and 27 are explanatory diagrams showing examples of display screens of the user terminal device 110 in the settlement system 100 according to the first embodiment of the present invention.

  In FIG. 25, a display screen 2500 displays a user name and a message for instructing the user to input a transaction number. The display screen 2500 is, for example, a message for instructing reading of the QR code 1310 indicating a transaction number, such as “Please hold the QR code 1310 in the frame below”, and the position and size of the QR code 1310 to be read ( A frame image or the like for guiding the distance between the user terminal device 110 and the QR code 1310 is displayed. The display screen 2300 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when the payment support application software is activated in the user terminal device 110.

  In FIG. 26, a display screen 2600 displays a user name, a use store name, and a payment amount. The display screen 2600 is displayed on the settlement intermediary server 131 from the settlement intermediary server 131 to the user terminal device 110 when the transaction number is generated and the corresponding store is recognized as an authorized store (official). Displayed when transaction information is sent. The display screen 2600 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when the transaction information transmitted from the payment intermediary server 131 is received.

  In the display screen 2600, for example, “I will make a payment. Enter your password and press OK.” Numeric keys and “OK” key are displayed. The user can input identification information (for example, a personal identification number) by operating these keys displayed on the display screen 2600.

  In FIG. 27, a display screen 2710 displays a message indicating that the transaction indicated by the user name, the used store name, and the payment amount has been completed, in addition to the user name, the used store name, and the paid amount. The display screen 2710 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when payment is executed in the payment mediation server 131 and a payment result notification is received from the payment mediation server 131.

(Processing procedure of store terminal device 120)
Next, a processing procedure of the store terminal device 120 in the settlement system 100 according to the first embodiment of the present invention will be described. FIG. 28 is a flowchart showing a processing procedure of the store terminal apparatus 120 in the settlement system 100 according to the first embodiment of the present invention.

  In the flowchart of FIG. 28, first, the shop terminal device 120 in the settlement system 100 according to the first embodiment of the present invention determines whether or not an input of a payment amount has been accepted (step S2801). When the payment amount input is not received (step S2801: No), the process waits until the payment amount input is received.

  If the payment amount input is accepted in step S2801 (step S2801: YES), the process waits until there is an instruction to send the input payment amount to the settlement mediation server 131 (step S2802: NO). If there is the transmission instruction (step S2802: YES), the payment amount received in step S2801: YES is transmitted to the settlement intermediary server 131 (step S2803).

  Next, as a result of transmitting the payment amount in step S2803, it is determined whether or not the transaction number transmitted from the settlement mediation server 131 has been received (step S2804). When the transaction number transmitted from the settlement intermediary server 131 is received (step S2804: Yes), the received transaction number is output (step S2805). In step S2805, a QR code 1310 indicating the received transaction number is generated, and the generated QR code 1310 is displayed on the display 204 provided in the smartphone that implements the store terminal device 120, thereby outputting the transaction number.

  Thereafter, it is determined whether or not a settlement result notification transmitted from the settlement intermediary server 131 is received (step S2806). When a settlement result notification is received (step S2806: Yes), the settlement completion is notified (step S2807). ), A series of processing ends. If the settlement result notification has not been received in step S2806 (step S2806: No), it is determined whether or not a predetermined time has elapsed since the transaction number was output in step S2805 (step S2808). If the predetermined time has not elapsed since the transaction number was output in step S2805 (step S2808: No), the process returns to step S2806.

  In step S2808, when a predetermined time has elapsed since the transaction number was output in step S2805 (step S2808: Yes), the series of processing ends. In the payment system 100, in a situation where a payment result notification is transmitted from the payment intermediary server 131 to the store terminal device 120, when a predetermined time has elapsed since the transaction number was output in step S2805 It may be determined that a communication error or the like has occurred, and predetermined error processing such as error notification may be performed.

  In step S2804, if the transaction number transmitted from the settlement intermediary server 131 has not been received as a result of transmitting the payment amount in step S2803 (step S2804: No), a predetermined time after transmitting the payment amount in step S2803 It is determined whether or not elapses (step S2809). In step S2809, when the predetermined time has not elapsed since the payment amount was transmitted in step S2803 (step S2809: No), the process returns to step S2804.

  In step S2809, when a predetermined time has elapsed since the payment amount was transmitted in step S2803 (step S2809: YES), a series of processing ends. In step S2809, if a predetermined time has elapsed since the payment amount was transmitted in step S2803 (step S2809: YES), it is determined that a communication error has occurred, and predetermined error processing such as error notification is performed. May be.

(Processing procedure of settlement mediation server 131)
Next, a processing procedure of the payment mediation server 131 in the payment system 100 according to the first embodiment of the present invention will be described. FIG. 29 is a flowchart showing a processing procedure of the payment intermediary server 131 in the payment system 100 according to the first embodiment of the present invention.

  In the flowchart of FIG. 29, first, the settlement intermediary server 131 in the settlement system 100 according to the first embodiment of the present invention determines whether or not the payment amount transmitted from the store terminal device 120 has been received (step S2901). . When the payment amount transmitted from the shop terminal device 120 has not been received (step S2901: No), it waits until it is received.

  In step S2901, when the payment amount transmitted from the store terminal device 120 is received (step S2901: Yes), based on the account information table 400, the store terminal that is the transmission source of the payment amount received in step S2901: Yes It is determined whether or not the store where the device 120 is installed is an authorized store (step S2902).

  In step S2902, if the store where the store terminal device 120 that is the transmission source of the payment amount received in step S2901: Yes is an authorized store (an official store) (step S2902: YES), step S2901: A transaction number is generated for the payment amount received in Yes (step S2903). The transaction number is generated only in the case of passing through step S2902: Yes, that is, in the case where the store where the store terminal device 120 of the payment amount received in step S2901: Yes is installed is an authorized store.

  Next, the transaction number generated in step S2903 is stored (step S2904). In step S2904, the transaction number generated in step S2903, the payment amount received in step S2901: Yes, and the account number of the store where the store terminal device 120 that is the transmission source of the payment amount is installed, Store in the transaction information table 500. And the transaction number produced | generated in step S2903 is transmitted with respect to the shop terminal device 120 used as the transmission origin of the payment amount received in step S2901: Yes (step S2905).

  Next, it is determined whether or not a transaction number and a user account number have been received from the user terminal device 110 (step S2906). When the transaction number and the user account number are received (step S2906: YES), the transaction information table 500 is referred to based on the received transaction number and the user account number, and the payment amount and the store account number are stored. Is extracted (step S2907).

  Then, the transaction information table 500 is updated based on the payment amount and the store account number extracted in step S2907 (step S2908). In step S2908, transaction information is generated based on the payment amount and store account number extracted in step S2907, and the transaction number transmitted from the user terminal device 110 and the remittance specified by the transaction number are generated. The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500 in a state in which the original account number is associated.

  In step S2908, based on the received transaction number and the user's account number, it is determined whether or not to update the transaction information table 500 by referring to the transaction information registration date and status flag in the transaction information table 500. To do. Specifically, in step S2908, for example, referring to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time included within a predetermined time from the transaction information registration date and time in the transaction information table 500, The transaction information table 500 is updated. Alternatively, specifically, in step S2908, for example, the status flag in the transaction information table 500 is referred to, and when the status flag in the transaction information table 500 indicates “processing”, the transaction information table 500 is updated.

  Specifically, in step S2908, for example, referring to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time when a predetermined time or more has elapsed from the transaction information registration date and time in the transaction information table 500, A series of processes may be terminated without updating the transaction information table 500. Alternatively, specifically, in step S2908, for example, the status flag in the transaction information table 500 is referred to, and if the status flag in the transaction information table 500 indicates “complete”, the transaction information table 500 is not updated, and a series of Processing may be terminated.

  Next, in step S2906: Yes, the generated transaction information is transmitted to the user terminal device 110 that is the transmission source of the transaction number and user account number received (step S2909). And it is judged whether the authentication information transmitted from the user terminal device 110 was received as a result of transmitting transaction information in step S2909 (step S2910). When the authentication information transmitted from the user terminal device 110 is received (step S2910: Yes), the authentication process is executed based on the received authentication information (step S2911).

  Next, whether or not the authentication performed in step S2911 is OK, that is, the result of the authentication process executed based on the authentication information received in step S2910: Yes, the authentication is permitted (authentication is OK). Whether or not) (step S2912). When the authentication is not OK (step S2912: No), the process proceeds to step S2920.

  In step S2912, if the authentication is OK (step S2912: YES), it is determined whether or not the card number is included in the authentication information received in step S2910: YES (step S2913). If the card number is not included in the authentication information received in step S2910: Yes (step S2913: No), it is associated with the corresponding account number based on the authentication information received in step S2910: Yes. It is determined whether the account balance is equal to or greater than the payment amount (step S2914).

  In step S2914, when the account balance associated with the corresponding account number is equal to or greater than the payment amount (step S2914: Yes), the process proceeds to step S2917. On the other hand, in step S2914, when the account balance associated with the corresponding account number is not equal to or more than the payment amount (step S2914: No), the process proceeds to step S2920.

  In step S2913, if the card number is included in the authentication information received in step S2910: Yes (step S2913: Yes), a card payment request is transmitted to the external payment server 132 (step S2915). In response to the card payment request transmitted to the external payment server 132, whether or not there is a response indicating that the card payment in the external payment server 132 is OK (the external payment server 132 uses the card payment in the external payment server 132). It is determined whether or not a response indicating OK is returned (step S2916).

  If the external payment server 132 returns OK in response to the card payment request transmitted to the external payment server 132 in step S2916 (step S2916: Yes), the process proceeds to step S2917. On the other hand, in response to the card payment request transmitted to the external payment server 132, the external payment server 132 does not return OK (a response indicating that the external payment server 132 cannot perform card payment in the external payment server 132). (Step S2916: No), the process proceeds to Step S2920.

  In step S2917, settlement is executed based on the result of the authentication process (step S2917). In step S2917, for example, in the case of going through step S2914: Yes, settlement is executed by transferring funds between the user's account and the store's account. In step S2917, for example, in the case of passing through step S2916: Yes, communication is performed with the external payment server 132, and the payment is executed by acquiring the result of the payment processing in the external payment server 132.

  Thereafter, a payment result notification indicating the result of the payment executed in step S2917 is transmitted to the user terminal device 110 that is the transmission source of the authentication information received in step S2910: Yes (step S2918). Terminate the process. In step S2918, the status flag of the corresponding transaction information in the transaction information table 500 is updated to “completed”. The status flag updated in step S2918 does not indicate only “processing” and “completed”. For example, when a series of processing ends with an error as in step S2920 described later, “error” is set. It may be shown.

  On the other hand, if the authentication information transmitted from the user terminal device 110 is not received as a result of transmitting the transaction information in step S2909 in step S2910 (step S2910: No), the transaction information is transmitted in step S2909. It is determined whether or not a predetermined time has elapsed (step S2919). If the predetermined time has not elapsed since the transaction information was transmitted in step S2909 (step S2919: No), the process returns to step S2910.

  In step S2919, when a predetermined time has elapsed since the transaction information was transmitted in step S2909 (step S2919: Yes), it is determined that the user has not been authenticated or a communication error has occurred, and a predetermined time has passed. Error processing is performed (step S2920), and a series of processing ends. In step S2920, for example, the end of processing is notified or error notification is performed.

  In step S2920, for example, if step S2914: No is passed, an error message indicating that settlement cannot be performed because the account balance associated with the corresponding account number is not equal to or greater than the payment amount is displayed in step S2910. : Perform error processing such as transmitting to the user terminal device 110 that is the transmission source of the authentication information received in Yes.

  In step S2920, for example, if step S2916: No is passed, an error message indicating that the external payment server 132 cannot perform card payment in the external payment server 132 is received in step S2910: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information is performed.

  If the transaction number and the user account number have not been received from the user terminal device 110 in step S2906 (step S2906: No), whether or not a predetermined time has elapsed since the transaction number was transmitted in step S2905. Is determined (step S2921). If the predetermined time has not elapsed since the transaction number was transmitted in step S2905 (step S2921: No), the process returns to step S2906. If a predetermined time has elapsed since the transaction number was transmitted in step S2905 (step S2921: YES), the process proceeds to step S2920.

  In step S2902, if the store where the store terminal device 120 that is the transmission source of the payment amount received in step S2901 is Yes is not an authorized store (step S2902: No), the series of processing ends. Thereby, the payment process in the payment system 100 is interrupted.

  In step S2902, if the store in which the store terminal device 120 that is the transmission source of the payment amount received in step S2901: Yes is not an authorized store, the payment amount received in step S2901: Yes is transmitted. An interruption notice may be transmitted to the original store terminal device 120. Specifically, when the store in which the store terminal device 120 that is the transmission source of the payment amount received in step S2901: Yes is not an authorized store, for example, the display 204 provided in the smartphone that implements the store terminal device 120 , Send an interruption notice that displays a message such as "Your shop is not an official store of the XX payment system and cannot accept payment".

(Processing procedure of user terminal device 110)
Next, a processing procedure of the user terminal device 110 in the settlement system 100 according to the first embodiment of the present invention will be described. FIG. 30 is a flowchart showing a processing procedure of the user terminal device 110 in the settlement system 100 according to the first embodiment of the present invention.

  In the flowchart of FIG. 30, first, the user terminal device 110 in the settlement system 100 according to the first embodiment of the present invention determines whether or not a transaction number has been input (step S3001). The transaction number can be input, for example, by reading the QR code 1310 displayed by the store terminal device 120 using the camera 208 provided in the smartphone that implements the user terminal device 110. As the transaction number, a numerical value indicating the transaction number may be directly input by operating the keyboard 205 provided in the smartphone that implements the user terminal device 110.

  In step S3001, when the transaction number is not input (step S3001: No), it waits as it is. On the other hand, when the transaction number is input in step S3001 (step S3001: Yes), the input transaction number and the user of the user terminal device 110 in which the transaction number is input to the settlement intermediary server 131. Is sent (step S3002).

  Next, as a result of transmitting the transaction number in step S3002, it is determined whether or not the transaction information transmitted from the settlement mediation server 131 has been received (step S3003). When the transaction information transmitted from the payment intermediary server 131 has not been received (step S3003: No), it waits until it is received.

  In step S3003, it is determined whether or not a predetermined time has elapsed since the transaction number was transmitted in step S3002. Even if the predetermined time has elapsed since the transaction number was transmitted in step S3002, it is transmitted from settlement intermediary server 131. If the received transaction information is not received, it may be determined that an error has occurred, and a predetermined error process may be performed. In this case, for example, a message such as “Please read the QR code again” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S3003, when the transaction information transmitted from the settlement intermediary server 131 is received as a result of transmitting the transaction number in step S3002 (step S3003: Yes), the display 204 provided in the smartphone that implements the user terminal device 110 is displayed. Step S3003: The transaction information received in Yes is displayed (Step S3004).

  Next, it waits until the input of identity verification information is accepted (step S3005: No). When the identity verification information is input (step S3005: Yes), it is determined whether or not there is an instruction to send the transaction number and the identity verification information. Determination is made (step S3006). In step S3006, when there is no transmission instruction for the transaction number and the identity verification information (step S3006: No), the process waits until the transmission instruction is received.

  On the other hand, if there is an instruction to send the transaction number and the identity verification information in step S3006 (step S3006: Yes), authentication information is generated (step S3007). Then, the generated authentication information is transmitted to the settlement mediation server 131 (step S3008).

  Next, it is determined whether or not the settlement result notification transmitted from the settlement mediation server 131 has been received (step S3009). In step S3009, when the payment result notification transmitted from the payment intermediary server 131 is received (step S3009: Yes), the completion of the payment is notified (step S3010), and the series of processing ends. In step S3010, for example, the completion of settlement is notified by displaying a display screen 2710 on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S3009, when the payment result notification transmitted from the payment intermediary server 131 is not received (step S3009: No), it is determined whether or not a predetermined time has elapsed since the authentication information was transmitted in step S3008. (Step S3011). If the predetermined time has not elapsed since the authentication information was transmitted in step S3008 (step S3011: No), the process returns to step S3009.

  In step S3011, when a predetermined time has passed since the authentication information was transmitted in step S3008 (step S3011: Yes), a confirmation message that prompts the user to confirm that payment has been completed is notified (step S3012). A series of processing ends. In step S3012, for example, a confirmation message such as “Please confirm that payment has been completed correctly” or “Please check the payment completion screen displayed on the store terminal device 120” is displayed on the user terminal. It displays on the display 204 with which the smart phone which implement | achieves the apparatus 110 is provided.

  As described above, in the settlement system 100 according to the first embodiment of the present invention, the problems caused by the conventional settlement method can be solved by the following functions. That is, at the time of settlement by the settlement system 100 according to the first embodiment of the present invention, a credit card or the credit card is obtained by performing settlement by reading the QR code 1310 displayed by the store using the user terminal device 110. This makes it possible to make online payment at a store without using a dedicated terminal for reading the information.

  In a store, it is assumed that the amount of goods and services varies from day to day, so it is not possible to generate a URL address or QR code 1310 in advance by batch processing. For this reason, in the conventional settlement method, it has been difficult to simplify settlement by applying a settlement method using the QR code 1310 with respect to goods and services that change daily. In contrast, in the settlement system 100 according to the first embodiment of the present invention, the store or the store stores the URL address or the address of the product or service to be purchased by the user on the spot (in real time). The generation of the QR code 1310 can be requested.

  Further, there is a demand for a store that provides a product or service to hand over the product after confirming the payment status on the spot where the product or service is provided (settlement is performed). In recent years, since unauthorized use of personal information has prevailed, users have a desire not to inform stores of their personal information. And in the settlement at the storefront, it is enough for the store to confirm the payment on the spot providing the product or service (performing settlement), and it is necessary to know who the user (the purchaser) is. There was no current situation.

  In the payment system 100 according to the first embodiment of the present invention, the payment intermediary server 131 notifies the store of the payment status in real time (immediately), and the store side uses the information notified from the payment intermediation server 131 to identify the user's personal information. You can check the payment status and product information without confirming your payment. Thereby, the payment status can be confirmed with respect to the store on the spot where the product or service is provided (settlement is performed) without notifying the store of the user's personal information.

  In addition, the settlement system 100 according to the first embodiment of the present invention can perform settlement only when the store involved in the settlement is an authorized store authorized by the settlement system 100. As a result, even if a malicious third party joins with the same name as a store that is a member of the payment system 100 and an account with the same name as an authorized store is illegally established, the payment amount paid by the user is incorrect. Can be prevented from being deposited into a simple account.

  When the payment system 100 according to the first embodiment of the present invention is actually operated, a plurality of payment result notifications (payment confirmation e-mails, etc.) are transmitted from the payment intermediary server 131, and the order of the procedures and the payment confirmation e-mail are stored in the store. It is assumed that the order received by the terminal device 120 is different (congestion / arrives before and after). In the settlement system 100 according to the first embodiment of the present invention, the store side can easily match the actual product with the payment confirmation mail based on the information notified from the settlement mediation server 131. Can be prevented.

  As described above, in the settlement system 100 according to the first embodiment of the present invention, the payment amount paid by the user to the store is received from the store terminal device 120, and the store identification of the store where the store terminal device 120 is installed. Whether or not the store where the store terminal device 120 that is the transmission source of the received payment amount is installed is an authorized store based on the account information table 400 that associates and stores the authorized information for each account number of the store that is information (Official judgment). If it is determined that the store is an authorized store as a result of the above-mentioned determination (official determination), a transaction number is generated for the received payment amount, and the generated transaction number, the payment amount and the store account number are The associated transaction number is stored in the transaction information table 500, and the generated transaction number is transmitted to the store terminal device 120.

  Then, the transaction number transmitted to the store terminal device 120 and the user account number that is the user identification information of the user of the user terminal device 110 to which the transaction number is input are received from the user terminal device 110. The payment amount and the store account number corresponding to the received transaction number are extracted from the transaction information table 500, and the transaction information including the store information relating to the extracted payment amount and the store account number is obtained as the user terminal device 110. Send to.

  Thereafter, authentication information for the transmitted transaction information is received from the user terminal device 110, settlement is performed in accordance with the authentication processing performed based on the received authentication information, and the user confirms that the settlement has been performed. A feature is that notification is made to at least one of the terminal device 110 and the store terminal device 120. Further, the settlement system 100 according to the first embodiment of the present invention is characterized in that the subsequent processing is interrupted when it is determined that the store is not an authorized store as a result of the above-described determination (official determination).

  According to the payment system 100 of the first embodiment of the present invention, online payment is performed at a store without using dedicated cards such as a credit card or a debit card and a dedicated terminal for reading information on these cards. be able to. Small stores, such as credit cards and debit cards, that do not have a dedicated terminal for payment using alternative payment means such as credit cards and debit cards may miss sales opportunities because they cannot make payments instead of cash. However, according to the settlement system 100 according to the first embodiment of the present invention, it is possible to realize settlement in place of cash without making a large-scale capital investment, and therefore, it is possible to increase sales opportunities in stores. In addition, since the user can make a payment instead of cash, the user can obtain the desired product or service without carrying a large amount of cash.

  In addition, according to the settlement system 100 of the first embodiment of the present invention, for example, by using settlement means in place of cash such as a credit card or a debit card, it is highly convenient to perform settlement using these settlement means. The personal information of the user can be settled by the face-to-face sales method without being known to a third party such as the store (the store clerk). As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  Moreover, according to the payment system 100 of Embodiment 1 concerning this invention, only when the store where a user is going to trade by card payment is an authorized store, the transaction information concerning the said transaction is a user terminal. Sent to device 110. Thereby, it is possible to prevent an unauthorized transaction unintended by the user from being performed with an unauthorized terminal device that is not the store terminal device 120 of the authorized store. As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  In addition, the store terminal device 120 in the settlement system 100 according to the first embodiment of the present invention includes a display unit 120a that displays a transaction number transmitted from the settlement server, and the user terminal device 110 includes the store terminal device 120. An input unit 110a for inputting the transaction number displayed on the display means is provided.

  According to the settlement system 100 of the first embodiment of the present invention, for example, the store terminal device 120 and the user terminal device 110 can be realized using a general-purpose device such as a smartphone. Online payments can be made at the store without putting an excessive burden on the store or user to use the equipment.

  In addition, the settlement system 100 according to the first embodiment of the present invention is characterized in that settlement is performed by transferring a payment amount of money from a user account provided in advance to a store account. According to the settlement system 100 of the first embodiment according to the present invention, immediate settlement can be executed.

((Embodiment 2))
Next, a settlement system 100 according to the second embodiment of the present invention will be described. In the second embodiment, the same parts as those in the first embodiment are denoted by the same reference numerals, and the description thereof is omitted.

(Functional configuration of payment system 100)
FIG. 31 is a block diagram showing a functional configuration of each part constituting the settlement system 100 according to the second embodiment of the present invention. In FIG. 31, each function of the payment intermediary server 131 in the payment system 100 according to the second embodiment of the present invention includes an account information table 400, a payment amount reception unit 801, a transaction number generation unit 803, and a storage unit 804. , Transaction number transmission unit 805, transaction number reception unit 806, extraction unit 807, recognition determination unit 3101, transaction information transmission unit 3102, authentication information reception unit 809, authentication processing unit 810, and settlement execution unit 811. And the notification unit 812.

  Account information table 400 for realizing each function of settlement intermediary server 131 according to the second embodiment of the present invention, payment amount receiving unit 801, transaction number generating unit 803, storage unit 804, transaction number transmitting unit 805, transaction number receiving unit 806, an extraction unit 807, a recognition determination unit 3101, a transaction information transmission unit 3102, a transaction information transmission unit 808, an authentication information reception unit 809, an authentication processing unit 810, a payment execution unit 811 and a notification unit 812 It can be realized by each unit provided in the computer device that realizes the settlement server 132.

  The transaction number generation unit 803 generates a transaction number for the payment amount received by the payment amount reception unit 801. Each time the payment amount information is received by the payment amount receiving unit 801, the transaction number generation unit 802 generates a transaction number for the payment amount included in the payment amount information.

  Based on the account information table (approval determination database) 400, the approval determination unit 3101 determines whether or not the store where the store terminal device 120 extracted by the extraction unit 807 is installed is an approved store. Whenever the extraction unit 807 extracts a store account number as store identification information, the official recognition determination unit 3101 determines whether or not the store associated with the store account number is an authorized store.

  The transaction information transmission unit 3102 receives transaction information including the payment amount extracted by the extraction unit 807 and store information related to the store account number when the approval determination unit 3101 determines that the store is an authorized store. It transmits to the terminal device 110. Further, the transaction information transmission unit 3102 uses the transaction information and information indicating that the store is not an authorized store (hereinafter referred to as “confirmation information”) when the authorized determination unit 3101 determines that the store is not an authorized store. To the user terminal device 110.

  Further, the transaction information transmitting unit 3102 may transmit information indicating that the corresponding store is an authorized store to the user terminal device 110 when the authorized determination unit 3101 determines that the store is an authorized store. . Accordingly, it is possible to actively guide the user of the user terminal device 110 that the corresponding store is an authorized store. Thus, by actively guiding that the store is an authorized store, it is possible to improve the user's sense of security in settlement at the store and to promote sales at the store.

  The confirmation information is information shown on a display screen (see reference numeral 3300 in FIG. 33) that is displayed on the display 204 included in the smartphone that realizes the user terminal device 110 when payment is confirmed to the user. For example, it includes a store name for settlement and a confirmation message for confirming to the user that the store specified by the store name is not an authorized store. The confirmation message can be, for example, “The above store (the store specified by the store name) is not official. Please make sure that it is a trustworthy store”.

(Processing procedure of payment system 100)
Next, a processing procedure of the settlement system 100 according to the second embodiment of the present invention will be described. FIG. 32 is an explanatory diagram showing a processing procedure of the settlement system 100 according to the second embodiment of the present invention. In FIG. 32, when making a payment using the payment system 100 according to the second embodiment of the present invention, a product or service that a user (purchaser) intends to purchase from the store terminal device 120 to the payment intermediary server 131. (See arrow 900 in FIG. 32).

  When the payment intermediary server 131 receives the payment amount from the store terminal device 120, it generates a transaction number. Then, the generated transaction number and the received payment amount are associated with each other and stored in the transaction information table 500. Further, the settlement intermediary server 131 stores the store account number received together with the payment amount in the transaction information table 500 in association with the transaction number as a remittance account number. Then, the settlement intermediary server 131 transmits the generated transaction number to the store terminal device 120 that is the payment amount transmission source (see arrow 1200 in FIG. 32).

  When the store terminal device 120 receives the transaction number transmitted from the payment intermediary server 131, the store terminal device 120 generates a QR code indicating the received transaction number and displays the generated QR code 1310. The user inputs a transaction number to the user terminal device 110 by reading the QR code 1310 displayed on the store terminal device 120 (see an arrow 1400 in FIG. 32).

  The user terminal device 110 transmits the transaction number input by reading the QR code 1310 to the settlement mediation server 131 (see arrow 1500 in FIG. 32). In addition to the transaction number, the user terminal device 110 transmits the account number of the user, which is the user identification information of the user of the user terminal device 110, to the settlement intermediary server 131.

  When receiving the transaction number transmitted from the user terminal device 110, the payment intermediary server 131 extracts the payment amount and the store account number corresponding to the received transaction number from the transaction information table 500. Then, based on the account information table 400, the settlement intermediary server 131 determines whether or not the store associated with the extracted store account number is an authorized store (official).

  When the settlement intermediary server 131 determines that the corresponding store is an authorized store (official), the payment intermediary server 131 receives transaction information including the extracted payment amount and store information relating to the store's account number. (See arrow 3210 in FIG. 32). Further, when the settlement intermediary server 131 determines that the corresponding store is not an authorized store (not an official store), it transmits transaction information and confirmation information to the user terminal device 110 (see an arrow 3220 in FIG. 32). .

  Upon receiving the transaction information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information. Further, when receiving the transaction information and the confirmation information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information, and also displays a confirmation message based on the confirmation information. (Refer to reference numeral 3300 in FIG. 33).

  The user confirms the store name and the payment amount displayed on the user terminal device 110, and inputs the identity confirmation information when executing settlement. When the personal identification information is input, the user terminal device 110 transmits authentication information for the transaction information received by the user terminal device 110 to the settlement mediation server 131 (see an arrow 1700 in FIG. 32).

  When receiving the authentication information, the settlement intermediary server 131 performs an authentication process based on the received authentication information, and executes a settlement based on the result of the authentication process. When executing the settlement, the settlement intermediary server 131 performs the settlement by transferring funds between the accounts based on the information stored in the account information table 400. Further, when executing the payment, a part of the payment in the payment system 100 may be executed in the external payment server 132 by appropriately communicating with the external payment server 132 (see the arrow 1820 in FIG. 32). ).

  Thereafter, the payment intermediary server 131 transmits a payment result notification indicating the result of executing the payment to at least one of the user terminal device 110 and the shop terminal device 120 (see arrows 1910 and 1920 in FIG. 32). Thereby, it is possible to guide the user or the store that the settlement has been completed.

(Example of display screen of user terminal device 110)
Next, a display screen example of the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention will be described. FIG. 33 is an explanatory diagram showing a display screen example of the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention.

  In FIG. 33, a display screen 3300 displays a user name, a use store name, and a payment amount. The display screen 3300 is displayed when the payment intermediary server 131 determines that the store is not an authorized store (not an official store), and transaction information and confirmation information are transmitted from the payment intermediation server 131 to the user terminal device 110. Is displayed. The display screen 3300 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when the transaction information and the confirmation information transmitted from the payment intermediary server 131 are received.

  The display screen 3300 displays a message instructing the input of identification information (for example, the identification number) or the identification information such as “I will make a payment. Please enter the identification number and press OK”. Numeric keys and “OK” key are displayed. Further, the display screen 3300 displays a confirmation message based on the confirmation information such as “The above store is not official. Please make sure that it is a trustworthy store” below the store name. By displaying a confirmation message below the store name on the display screen 3300, the user can be prompted to make a payment at a trusted store.

(Processing procedure of store terminal device 120)
The store terminal device 120 in the payment system 100 according to the second embodiment of the present invention is different from the above-described embodiment in that the display screen 2200 can be prevented from being displayed when the store is not an authorized store.

(Processing procedure of settlement mediation server 131)
Next, a processing procedure of the payment mediation server 131 in the payment system 100 according to the second embodiment of the present invention will be described. FIG. 34 is a flowchart showing a processing procedure of the payment intermediary server 131 in the payment system 100 according to the second embodiment of the present invention.

  In the flowchart of FIG. 34, first, the payment intermediary server 131 in the payment system 100 according to the second embodiment of the present invention determines whether or not the payment amount transmitted from the shop terminal device 120 has been received (step S3401). . If the payment amount transmitted from the store terminal device 120 has not been received (step S3401: No), the process waits until it is received.

  In step S3401, when the payment amount transmitted from the shop terminal device 120 is received (step S3401: YES), a transaction number is generated for the payment amount received in step S3401: YES (step S3402). The transaction number generated in S3402 is stored (step S3403). And the transaction number produced | generated in step S3402 is transmitted with respect to the shop terminal device 120 used as the transmission origin of the payment amount received in step S3401: Yes (step S3404).

  Next, it is determined whether or not the transaction number and the user account number that is the user identification information are received from the user terminal device 110 (step S3405). When the transaction number and the account number of the user are received (step S3405: Yes), based on the received transaction number and the account number of the user, the transaction information table 500 is referred to and the payment amount and the store account number are stored. Is extracted (step S3406).

  Then, the transaction information table 500 is updated based on the payment amount extracted in step S3406 and the store account number (step S3407). In step S3407, transaction information is generated based on the payment amount and store account number extracted in step S3406, and the transaction number transmitted from the user terminal device 110 and the remittance specified by the transaction number are generated. The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500 in a state in which the original account number is associated.

  Next, based on the account information table 400, it is determined whether or not the store associated with the store account number extracted in step S3406 is an authorized store (step S3408). In step S3408, when the store corresponding to the account number of the store extracted in step S3406 is an authorized store (step S3408: Yes), the transmission source of the transaction number and user account number received in step S3405: Yes The generated transaction information is transmitted to the user terminal device 110 to be (step S3409), and the process proceeds to step S3411.

  On the other hand, in step S3408, if the store related to the account number of the store extracted in step S3406 is not an authorized store (step S3408: No), the transaction number and user account number received in step S3405: Yes. The generated transaction information and confirmation information are transmitted to the user terminal device 110 that is the transmission source (step S3410), and the process proceeds to step S3411.

  Next, it is determined whether or not the authentication information transmitted from the user terminal device 110 has been received as a result of transmitting the transaction information in step S3409 or as a result of transmitting the transaction information and confirmation information in step S3410 (step S3410). S3411). When the authentication information transmitted from the user terminal device 110 is received (step S3411: Yes), the authentication process is executed based on the received authentication information (step S3412). The authentication process executed in step S3412 is the same as the authentication process in the first embodiment and will not be described.

  Then, whether or not the authentication performed in step S3412 is OK, that is, the result of the authentication process executed based on the authentication information received in step S3411: Yes is authenticated (authentication is OK). It is determined whether or not (step S3413). When authentication is not OK (step S3413: No), it transfers to step S3421.

  If the authentication is OK in step S3413 (step S3413: YES), it is determined whether or not the card number is included in the authentication information received in step S3411: YES (step S3414). If the card number is not included in the authentication information received in step S3411: Yes (step S3414: No), it is associated with the corresponding account number based on the authentication information received in step S3411: Yes. It is determined whether the account balance is equal to or greater than the payment amount (step S3415).

  In step S3415, when the account balance associated with the corresponding account number is equal to or greater than the payment amount (step S3415: Yes), the process proceeds to step S3418. On the other hand, if the account balance associated with the corresponding account number is not equal to or greater than the payment amount in step S3415 (step S3415: No), the process proceeds to step S3421.

  In step S3414, if the card number is included in the authentication information received in step S3411: Yes (step S3414: Yes), a card payment request is transmitted to the external payment server 132 (step S3416). In response to the card payment request transmitted to the external payment server 132, whether or not there is a response indicating that the card payment in the external payment server 132 is OK (the external payment server 132 uses the card payment in the external payment server 132). It is determined whether or not a response indicating OK is returned (step S3417).

  If the external payment server 132 returns OK to the card payment request transmitted to the external payment server 132 in step S3417 (step S3417: Yes), the process proceeds to step S3418. On the other hand, in response to the card payment request transmitted to the external payment server 132, the external payment server 132 does not return OK (a response indicating that the external payment server 132 cannot perform card payment in the external payment server 132). (Step S3417: No), the process proceeds to step S3421.

  In step S3418, settlement is executed based on the result of the authentication process (step S3418). In step S3418, for example, in the case of going through step S3415: Yes, settlement is executed by transferring funds between the user's account and the store's account. In step S3418, for example, in the case of passing through step S3417: Yes, communication is performed with the external payment server 132, and the payment is executed by acquiring the result of the payment processing in the external payment server 132.

  Thereafter, a payment result notification indicating the result of the payment executed in step S3418 is transmitted to the user terminal device 110 that is the transmission source of the authentication information received in step S3411: Yes (step S3419). Terminate the process. In step S3419, the status flag of the corresponding transaction information in the transaction information table 500 may be updated from “processing” to “completed” (or “error”, etc.).

  On the other hand, if the authentication information transmitted from the user terminal device 110 is not received as a result of transmitting the transaction information in step S3409 or the transaction information and the confirmation information in step S3410 in step S3411 (step S3411). S3411: No) determines whether or not a predetermined time has elapsed since the transaction information was transmitted in step S3409 or the transaction information and the confirmation information were transmitted in step S3410 (step S3420). If the predetermined time has not elapsed (step S3420: NO), the process returns to step S3411.

  In step S3420, after the transaction information is transmitted in step S3409 or when the predetermined time has elapsed since the transaction information and confirmation information are transmitted in step S3410 (step S3420: Yes), the user is not authenticated. Alternatively, it is determined that a communication error or the like has occurred, and predetermined error processing such as notification of the end of processing or error notification is performed (step S3421), and the series of processing ends.

  If the transaction number and the user account number have not been received from the user terminal device 110 in step S3405 (step S3405: No), whether or not a predetermined time has elapsed since the transaction number was transmitted in step S3404. Is determined (step S3422). If the predetermined time has not elapsed since the transaction number was transmitted in step S3404 (step S3422: No), the process returns to step S3405. If a predetermined time has elapsed since the transaction number was transmitted in step S3404 (step S3422: YES), the process proceeds to step S3421.

(Processing procedure of user terminal device 110)
Next, a processing procedure of the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention will be described. FIG. 35 is a flowchart showing a processing procedure of the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention.

  In the flowchart of FIG. 35, first, the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention determines whether or not a transaction number has been input (step S3501). In step S3501, when the transaction number is not input (step S3501: No), it waits until the transaction number is input. When the transaction number is input in step S3501 (step S3501: Yes), the input transaction number and the user account of the user terminal device 110 in which the transaction number is input to the settlement intermediary server 131. The number is transmitted (step S3502).

  Next, as a result of transmitting the transaction number in step S3502, it is determined whether or not the transaction information transmitted from the settlement mediation server 131 has been received (step S3503). If the transaction information transmitted from the payment intermediary server 131 has not been received (step S3503: No), it waits until it is received.

  In step S3503, it is determined whether or not a predetermined time has elapsed since the transaction number was transmitted in step S3502, and transmitted from the settlement intermediary server 131 even if the predetermined time has elapsed since the transaction number was transmitted in step S3502. If the received transaction information is not received, it may be determined that an error has occurred, and a predetermined error process may be performed. In this case, for example, a message such as “Please read the QR code again” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S3503, when the transaction information transmitted from the settlement intermediary server 131 is received as a result of transmitting the transaction number and the user account number in step S3502 (step S3503: Yes), the transaction information was received in step S3503: Yes. It is determined whether confirmation information is received together with transaction information (step S3504). In step S3504, when confirmation information is not received with the transaction information received in step S3503: Yes (step S3504: No), step S3503: Yes is displayed on the display 204 provided in the smartphone that implements the user terminal device 110. The transaction information received in step S3505 is displayed (step S3505), and the process proceeds to step S3507. In step S3505, for example, the display screen 2600 is displayed on the display 204 included in the smartphone that implements the user terminal device 110.

  On the other hand, when confirmation information is received together with the transaction information received in step S3503: Yes in step S3504 (step S3504: Yes), step S3503: Yes is displayed on the display 204 provided in the smartphone that implements the user terminal device 110. The transaction information received in step S3 and the confirmation information received together with the transaction information are displayed (step S3506), and the process proceeds to step S3507. In step S3505, for example, the display screen 3300 is displayed on the display 204 included in the smartphone that implements the user terminal device 110.

  In step S3507, the process waits until the input of the personal identification information is accepted (step S3507: No). When the personal identification information is input (step S3507: Yes), whether or not there is an instruction to send the transaction number and the personal identification information. Is determined (step S3508). In step S3508, when there is no transmission instruction for the transaction number and the identity verification information (step S3508: No), the process waits until the transmission instruction is received.

  In step S3508, if there is an instruction to send a transaction number and identification information (step S3508: Yes), authentication information is generated (step S3509). Then, the authentication information generated in step S3509 is transmitted to the settlement intermediary server 131 (step S3510).

  Next, it is determined whether the payment result notification transmitted from the payment intermediary server 131 is received for the authentication information transmitted in step S3510 (step S3511). When the payment result notification transmitted from the payment intermediary server 131 is received (step S3511: Yes), the completion of the payment is notified (step S3512), and the series of processes is terminated.

  In step S3511, when the payment result notification transmitted from the payment intermediary server 131 is not received (step S3511: No), it is determined whether or not a predetermined time has passed since the authentication information was transmitted in step S3510. (Step S3513). In step S3513, when the predetermined time has not elapsed since the authentication information was transmitted in step S3510 (step S3513: No), the process returns to step S3511.

  In step S3513, when a predetermined time has passed since the authentication information was transmitted in step S3510 (step S3513: Yes), a confirmation message for prompting confirmation of completion of the settlement is notified (step S3514). A series of processing ends.

  As described above, the settlement system 100 according to the second embodiment of the present invention generates a transaction number for the payment amount received from the store terminal device 120, and generates the generated transaction number, the payment amount, and the store. Are stored in the transaction information table 500 in association with each other and the generated transaction number is transmitted to the store terminal device 120.

  Then, when the transmitted transaction number and the account number of the user of the user terminal device 110 to which the transaction number is input are received from the user terminal device 110, the payment amount corresponding to the received transaction number and The store account number is extracted from the transaction information table 500, and it is determined (official determination) whether or not the store associated with the extracted store account number is an authorized store. As a result of the above-described determination (official determination), when it is determined that the store is an authorized store, transaction information is transmitted to the user terminal device 110. On the other hand, as a result of the above-described determination (official determination), when it is determined that the store is not an authorized store, transaction information and confirmation information are transmitted to the user terminal device 110.

  Thereafter, the authentication information for the transmitted transaction information is received from the user terminal device 110, and when the authentication process is performed based on the received authentication information, the payment is executed, and the user confirms that the payment has been executed. A feature is that notification is made to at least one of the terminal device 110 and the store terminal device 120.

  According to the settlement system 100 of the second embodiment of the present invention, when the store where the user intends to conduct a transaction by card settlement is not an authorized store, the display screen 3300 based on the confirmation information in the user terminal device 110. By displaying the above, it is possible to make the user himself / herself confirm whether or not to perform payment using the payment system 100 in a store that is not an authorized store before confirming the execution of the payment. As a result, it is possible to improve the safety and reliability in settlement using settlement means instead of cash while maintaining high convenience for the user.

((Embodiment 3))
Next, a settlement system 100 according to the third embodiment of the present invention will be described. In the third embodiment, the same parts as those in the first and second embodiments described above are denoted by the same reference numerals, and description thereof is omitted.

(Example of payable account table)
The settlement intermediary server 131 in the settlement system 100 according to the third embodiment of the present invention includes a payable account table in addition to various data tables such as an account information table and a transaction information table. The payable account table is provided in a non-volatile storage medium, like the account information table 400 described above.

  FIG. 36 is an explanatory diagram showing an example of an account information table provided in the payment intermediary server 131 in the payment system 100 according to the third embodiment of the present invention. In FIG. 36, the payable account table 3600 indicates whether or not the store is a pre-registered trust store for each store account number that is store identification information of the store where the store terminal device 120 is installed. Associate and store information. The trust information in the payable account table 3600 indicates whether or not the store set by the user of the payment system 100 is a trust store.

  The payable account table 3600 includes, for example, a store (hereinafter, referred to as “reliable user account number”) for each user account number that is the user identification information of the user of the user terminal device 110, that is, for each user. The identification information of “trusted store” is stored. The payable account table 3600 may store, for example, account numbers of trusted stores for each user account number, that is, for each user. Each information in the payable account table 3600 is stored at an arbitrary timing of the user by the operation of the user (see FIGS. 37, 38 and 39). In the third embodiment, a trust determination database can be realized by the account information table 400 and the payable account table 3600.

  Next, a method for registering a trusted store will be described. FIGS. 37, 38, and 39 are explanatory diagrams illustrating display screen examples of the user terminal device 110 when registering a trusted store. In FIGS. 37, 38, and 39, display screens 3700, 3800, and 3900 are respectively displayed on the display 204 included in the smartphone that implements the user terminal device 110.

  The display screen 3700 displays a user name, a message for instructing the user to input an account number of a trusted store, an account number input field, and the like. The display screen 3700 displays, for example, an account number input field together with a message such as “Please enter the account number of the store you wish to pay.” The display screen 3700 displays an “OK” key or the like for confirming the account number of the trusted store entered in the account number input field. The user enters the account number of the trusted store in the account number input field, and then confirms the input content by operating the “OK” key.

  The display screen 3800 is displayed when the “OK” key is operated on the display screen 3700. The display screen 3800 displays the user name, the store account number input on the display screen 3700, and the store name. The display screen 3800 displays an “OK” key or the like for confirming that the store input on the display screen 3700 is registered as a trusted store.

  In the payment system 100, when an account number is input on the display screen 3700, a store name corresponding to the input account number is searched with reference to the account information table, and a store specified by the searched store name is found. It can be determined whether the store is an official store.

  Furthermore, the display screen 3800 displays a message that guides the registration of the store input by the user as a trusted store, and that the store input by the user is not a trusted store trusted by the administrator of the payment system 100. Display a message to guide you.

  The display screen 3800 displays, for example, a store input by the user by displaying a message such as “Register the following store as a payee” above the store name of the store input on the display screen 3700. To register as a trusted store. In addition, the display screen 3800 displays a message such as “The above store is not an official store. Please make sure that it is a reliable store” below the store name of the store entered on the display screen 3700. By this, it is informed that the store input by the user is not a trusted store trusted by the administrator of the payment system 100. The user operates the “OK” key to register the store displayed on the display screen 3800 as a trusted store.

  Display screen 3900 is displayed when an “OK” key is operated on display screen 3800. The display screen 3900 is confirmed by operating the user name, the store name determined by operating the “OK” key on the display screen 3800 and the account number of the store, and operating the “OK” key on the display screen 3800. A message for guiding the registered store as a trusted store is displayed. The display screen 3900 displays a message such as “The following store has been registered as a payee” or “The following store has been registered as a trusted store” above the store name and the account number of the store. To do.

(Functional configuration of payment system 100)
Next, the functional configuration of each part constituting the settlement system 100 according to the third embodiment of the present invention will be described. FIG. 40 is a block diagram showing a functional configuration of each part constituting the settlement system 100 according to the third embodiment of the present invention.

  In FIG. 40, each function of the settlement intermediary server 131 in the settlement system 100 according to the third embodiment of the present invention includes an account information table 400, a payable account table 3600, a payment amount receiving unit 801, and a transaction number generation unit. 803, storage unit 804, transaction number transmission unit 805, transaction number reception unit 806, extraction unit 807, trust determination unit (authorization determination unit) 3101, transaction information transmission unit 4001, authentication information reception unit 809 And an authentication processing unit 810, a settlement execution unit 811, a notification unit 812, and an interruption notification unit 4002.

  Account information table 400, payable account table 3600, payment amount reception unit 801, transaction number generation unit 803, storage unit 804, transaction number transmission unit for realizing each function of the settlement intermediary server 131 according to the first embodiment of the present invention 805, transaction number reception unit 806, extraction unit 807, trust determination unit 3101, transaction information transmission unit 4001, transaction information transmission unit 808, authentication information reception unit 809, authentication processing unit 810, settlement execution unit 811, notification unit 812 and interruption The notification unit 4002 can be realized by each unit included in a computer device that implements the payment intermediary server 131 and the external payment server 132.

  The transaction number generation unit 803 generates a transaction number for the payment amount received by the payment amount reception unit 801. Each time the payment amount information is received by the payment amount reception unit 801, the transaction number generation unit 803 generates a transaction number for the payment amount included in the payment amount information.

  Based on the account information table 400 and the payable account table 3600, the trust determination unit 3101 determines whether or not the store corresponding to the store account number extracted by the extraction unit 807 is a trust store. Each time the store account number is extracted by the extraction unit 807, the trust determination unit 3101 determines whether or not the store associated with the store account number is a trusted store. In the payment system 100 according to the third embodiment, any registered store can be determined as a trusted store as long as the user is registered in the payable account table 3600 as a trusted store trusted store.

  The store registered in the payable account table 3600 by the user is determined as a trusted store only when the user who registered the store makes a payment. In the payable account table 3600, a trust store can be registered for each user.

  When the trust determination unit 3101 determines that the transaction information transmission unit 4001 is a trust store, the transaction information transmission unit 4001 displays the transaction information including the payment amount extracted by the extraction unit 807 and the store information related to the store, the user terminal To device 110. The transaction information transmission unit 4001 transmits the transaction information to the corresponding user terminal device 110 only when the trust determination unit 3101 determines that the store is a trust store.

  When the trust determining unit 3101 determines that the interruption is not a trust store, the stop notification unit 4002 notifies the user terminal device 110 that the processing is interrupted because the store is not a trust store. For example, the interruption notification unit 4002 transmits an interruption notification indicating that the process is interrupted because the corresponding store is not a trusted store to the corresponding user terminal device 110, so that the corresponding store is not a trusted store. In order to interrupt the process.

  The interruption notification is, for example, information for displaying the store name specified by the user on the display 204 included in the smartphone that implements the user terminal device 110, and the store name displayed on the display 204. And information for displaying a message “The following store is not registered as a payee and cannot be paid”.

  When the user terminal device 110 receives, for example, an interruption notification, the store name specified by the user on the display 204 provided in the smartphone that implements the user terminal device 110 based on the interruption notification, and the store A message “The following store is not registered as a payee and cannot be paid” is displayed above the name (see reference numeral 4200 in FIG. 42).

(Processing procedure of payment system 100)
Next, a processing procedure of the settlement system 100 according to the third embodiment of the present invention will be described. FIG. 41 is an explanatory diagram showing a processing procedure of the settlement system 100 according to the third embodiment of the present invention.

  41, in the case of a payment using the payment system 100 according to the third embodiment of the present invention, a product or service that a user (purchaser) intends to purchase from the store terminal device 120 to the payment intermediary server 131. (See arrow 900 in FIG. 41).

  When the payment intermediary server 131 receives the payment amount from the store terminal device 120, it generates a transaction number. Then, the generated transaction number and the received payment amount are associated with each other and stored in the transaction information table 500. Further, the settlement intermediary server 131 identifies the store account number based on the store account number and the account information table 400 received together with the payment amount, and associates the identified account number with the transaction number as the remittance account number. And stored in the transaction information table 500. Then, the settlement intermediary server 131 transmits the generated transaction number to the store terminal device 120 that is the source of the payment amount (see arrow 1200 in FIG. 41).

  When the store terminal device 120 receives the transaction number transmitted from the payment intermediary server 131, the store terminal device 120 generates a QR code indicating the received transaction number and displays the generated QR code 1310. The user inputs a transaction number to the user terminal device 110 by reading the QR code 1310 displayed on the store terminal device 120 (see arrow 1400 in FIG. 41).

  The user terminal device 110 transmits the transaction number input by reading the QR code 1310 to the payment intermediary server 131 (see arrow 1500 in FIG. 41). The user terminal device 110 transmits the account number of the user of the user terminal device 110 to the settlement mediation server 131 in addition to the transaction number.

  When receiving the transaction number transmitted from the user terminal device 110, the payment intermediary server 131 extracts the payment amount and the store account number corresponding to the received transaction number from the transaction information table 500. Then, based on the account information table 400, the settlement intermediary server 131 determines whether or not the store related to the extracted store account number is a trusted store (determination of a trusted store).

  When the payment intermediary server 131 determines that the store is a trusted store, the payment intermediary server 131 transmits transaction information including the extracted payment amount and store information related to the store account number to the user terminal device 110 (FIG. 41, see arrow 4110). Upon receiving the transaction information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information.

  The user confirms the store name and the payment amount displayed on the user terminal device 110, and inputs the identity confirmation information when executing settlement. When the user confirmation information is input, the user terminal device 110 transmits authentication information for the transaction information received by the user terminal device 110 to the settlement mediation server 131 (see an arrow 1700 in FIG. 41).

  When receiving the authentication information, the settlement intermediary server 131 performs an authentication process based on the received authentication information, and executes a settlement based on the result of the authentication process. When executing the settlement, the settlement intermediary server 131 performs the settlement by transferring funds between the accounts based on the information stored in the account information table 400. Further, when executing the payment, a part of the payment in the payment system 100 may be executed in the external payment server 132 by appropriately communicating with the external payment server 132 (see the arrow 1820 in FIG. 41). ).

  Thereafter, the payment intermediary server 131 transmits a payment result notification indicating the result of executing the payment to at least one of the user terminal device 110 and the store terminal device 120 (see arrows 1910 and 1920 in FIG. 41). Thereby, it is possible to guide the user or the store that the settlement has been completed.

  On the other hand, when the settlement intermediary server 131 determines that the store is not a trusted store, the settlement mediation server 131 transmits an interruption notification to the user terminal device 110 (see arrow 4120 in FIG. 41). When the user terminal device 110 receives the interruption notification, based on the received interruption notification, the store name designated by the user or “above the following store is not registered as a payee” above the store name. A message such as “I cannot pay” is displayed (see reference numeral 4200 in FIG. 42).

(Example of display screen of user terminal device 110)
Next, a display screen example of the user terminal device 110 in the settlement system 100 according to the third embodiment of the present invention will be described. FIG. 42 is an explanatory diagram showing a display screen example of the user terminal device 110 in the settlement system 100 according to the third embodiment of the present invention.

  In FIG. 42, a display screen 4200 displays a user name and a store name used. In addition, the display screen 4200 displays a message indicating that the settlement is interrupted because the store is not a trusted store, above the store name. Specifically, the display screen 4200 displays a message such as “The following store is not registered as a payment destination and cannot be paid”. The display screen 4200 is displayed on the display 204 included in the smartphone that realizes the user terminal device 110 when the payment intermediary server 131 determines that the corresponding store is not a trusted store and receives an interruption notification from the payment intermediation server 131. Is displayed.

(Processing procedure of store terminal device 120)
The store terminal device 120 in the payment system 100 according to the third embodiment of the present invention, when making a payment via the payment intermediary server 131, shows the store terminal device 120 in the payment system 100 according to the second embodiment shown in FIG. The same processing as that executed by is executed.

(Processing procedure of settlement mediation server 131)
Next, a processing procedure of the payment mediation server 131 in the payment system 100 according to the third embodiment of the present invention will be described. FIG. 43 is a flowchart showing a processing procedure of the payment intermediary server 131 in the payment system 100 according to the third embodiment of the present invention.

  In the flowchart of FIG. 43, first, the settlement intermediary server 131 in the settlement system 100 according to the third embodiment of the present invention determines whether or not the payment amount transmitted from the store terminal device 120 has been received (step S4301). . When the payment amount transmitted from the store terminal device 120 has not been received (step S4301: No), the process waits until it is received.

  In step S4301, when the payment amount transmitted from the shop terminal device 120 is received (step S4301: Yes), a transaction number is generated for the payment amount received in step S4301: Yes (step S4302). The transaction number generated in S4302 is stored (step S4303). And the transaction number produced | generated in step S4302 is transmitted with respect to the shop terminal device 120 used as the transmission origin of the payment amount received in step S4301: Yes (step S4304).

  Next, it is determined whether the transaction number and the account number of the user of the user terminal device 110 have been received from the user terminal device 110 (step S4305). If the transaction number and the account number of the user are received (step S4305: Yes), the transaction information table 500 is referred to based on the received transaction number and the account number of the user, and the payment amount and the store account number are stored. Is extracted (step S4306).

  Then, the transaction information table 500 is updated based on the payment amount extracted in step S4306 and the store account number (step S4307). In step S4307, transaction information is generated based on the payment amount and store account number extracted in step S4306, and the transaction number transmitted from the user terminal device 110 and the remittance specified by the transaction number are generated. The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500 in a state in which the original account number is associated.

  Next, based on the account information table 400 and the payable account table 3600, it is determined whether or not the store associated with the store account number extracted in step S4306 is a trusted store (step S4308). In step S4308, a store registered as a trusted store in the account information table 400 and a store registered as a trusted store trusted store in the payable account table 3600 are determined as trusted stores.

  In step S4308, when the store related to the account number of the store extracted in step S4306 is a trusted store (step S4308: Yes), the source of the transaction number and user account number received in step S4305: Yes The generated transaction information is transmitted to the user terminal device 110 (step S4309).

  Next, as a result of transmitting the transaction information in step S4309, it is determined whether or not the authentication information transmitted from the user terminal device 110 has been received (step S4310). When the authentication information transmitted from the user terminal device 110 is received (step S4310: Yes), an authentication process is executed based on the received authentication information (step S4311). The authentication process executed in step S4311 is the same as the authentication process in the first embodiment, and a description thereof will be omitted.

  Then, whether or not the authentication performed in step S4311 is OK, that is, the result of the authentication process executed based on the authentication information received in step S4311: Yes is authenticated (authentication is OK). It is determined whether or not (step S4312). When authentication is not OK (step S4312: No), it transfers to step S4320.

  In step S4312, if the authentication is OK (step S4312: Yes), it is determined whether or not the card number is included in the authentication information received in step S4310: Yes (step S4313). If the card number is not included in the authentication information received in step S4310: Yes (step S4313: No), it is associated with the corresponding account number based on the authentication information received in step S4310: Yes. It is determined whether or not the account balance is equal to or greater than the payment amount (step S4314).

  In step S4314, when the account balance associated with the corresponding account number is equal to or greater than the payment amount (step S4314: Yes), the process proceeds to step S4317. On the other hand, in step S4314, when the account balance associated with the corresponding account number is not equal to or more than the payment amount (step S4314: No), the process proceeds to step S4320.

  In step S4314, if the card number is included in the authentication information received in step S4311: Yes (step S4314: Yes), a card payment request is transmitted to the external payment server 132 (step S4315). In response to the card payment request transmitted to the external payment server 132, whether or not there is a response indicating that the card payment in the external payment server 132 is OK (the external payment server 132 uses the card payment in the external payment server 132). It is determined whether or not a response indicating OK is returned (step S4316).

  If the external payment server 132 returns OK to the card payment request transmitted to the external payment server 132 in step S4316 (step S4316: Yes), the process proceeds to step S4317. On the other hand, in response to the card payment request transmitted to the external payment server 132, the external payment server 132 does not return OK (a response indicating that the external payment server 132 cannot perform card payment in the external payment server 132). (Step S4316: No), the process proceeds to step S4320.

  In step S4317, settlement is executed based on the result of the authentication process (step S4317). In step S4317, for example, in the case of passing through step S4314: Yes, settlement is executed by transferring funds between the user's account and the store's account. In step S4317, for example, in the case of passing through step S4316: Yes, communication is performed with the external payment server 132, and the payment is executed by acquiring the result of the payment processing in the external payment server 132.

  Thereafter, a payment result notification indicating the result of the payment executed in step S4318 is transmitted to the user terminal device 110 that is the transmission source of the authentication information received in step S4310: Yes (step S4318). Terminate the process. In step S4318, the status flag of the corresponding transaction information in the transaction information table 500 may be updated from “processing” to “completed” (or “error”, etc.).

  On the other hand, if the authentication information transmitted from the user terminal device 110 is not received as a result of transmitting the transaction information in step S4309 in step S4310 (step S4310: No), the transaction information is transmitted in step S4309. It is determined whether or not a predetermined time has elapsed from step S4319. If the predetermined time has not elapsed (step S4319: No), the process returns to step S4310.

  In step S4319, if a predetermined time has elapsed since the transaction information was transmitted in step S4309 (step S4319: Yes), it is determined that the user has not been authenticated or a communication error has occurred, and the process Predetermined error processing such as notification of termination or error notification is performed (step S4320), and the series of processing is terminated.

  In step S4308, when the store related to the account number of the store extracted in step S4306 is not a trusted store (step S4308: No), the source of the transaction number and user account number received in step S4305: Yes. An interruption notification is transmitted to the user terminal device 110 to be (step S4321), and a series of processing ends.

  If the transaction number and the user account number have not been received from the user terminal device 110 in step S4305 (step S4305: No), whether or not a predetermined time has elapsed since the transaction number was transmitted in step S4304. Is determined (step S4322). If the predetermined time has not elapsed since the transaction number was transmitted in step S4304 (step S4322: No), the process returns to step S4305. If a predetermined time has elapsed since the transaction number was transmitted in step S4304 (step S4322: YES), the process proceeds to step S4320.

(Processing procedure of user terminal device 110)
Next, a processing procedure of the user terminal device 110 in the settlement system 100 according to the third embodiment of the present invention will be described. FIG. 44 is a flowchart showing a processing procedure of the user terminal device 110 in the settlement system 100 according to the third embodiment of the present invention.

  In the flowchart of FIG. 44, first, the user terminal device 110 in the settlement system 100 according to the third embodiment of the present invention determines whether or not a transaction number has been input (step S4401). The transaction number can be input, for example, by reading the QR code 1310 displayed by the store terminal device 120 using the camera 208 provided in the smartphone that implements the user terminal device 110. As the transaction number, a numerical value indicating the transaction number may be directly input by operating the keyboard 205 provided in the smartphone that implements the user terminal device 110. In step S4401, when the transaction number is not input (step S4401: No), it waits until a transaction number is input.

  If a transaction number is input in step S4401 (step S4401: Yes), the input transaction number and the user account of the user terminal device 110 in which the transaction number is input to the payment intermediary server 131. The number is transmitted (step S4402). Then, as a result of transmitting the transaction number in step S4402, it is determined whether or not the transaction information transmitted from the settlement intermediary server 131 has been received (step S4403).

  In step S4403, it is determined whether or not a predetermined time has elapsed since the transaction number and the account number of the user were transmitted in step S4402, and even if the predetermined time has elapsed since the transaction number was transmitted in step S4402. If the transaction information transmitted from the settlement intermediary server 131 has not been received, it may be determined that an error has occurred and a predetermined error process may be performed. In this case, for example, a message such as “Please read the QR code again” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S4403, when the transaction information transmitted from the settlement intermediary server 131 is received as a result of transmitting the transaction number in step S4402, (step S4403: Yes), the display 204 provided in the smartphone that implements the user terminal device 110 is displayed. Step S4403: The transaction information received in Yes is displayed (Step S4404).

  Next, it waits until the input of identity verification information is received (step S4405: No). When the identity verification information is input (step S4405: Yes), it is determined whether or not there is an instruction to send the transaction number and the identity verification information. Judgment is made (step S4406). If there is no transmission instruction for the transaction number and the personal identification information (step S4406: No), the process waits until the transmission instruction is received. When there is an instruction to send the transaction number and the identity verification information (step S4406: Yes), the authentication information is generated (step S4407), and the generated authentication information is transmitted to the payment intermediary server 131 (step S4408). ).

  Then, it is determined whether or not the settlement result notification transmitted from the settlement mediation server 131 has been received (step S4409). When the settlement result notification transmitted from the settlement intermediary server 131 is received (step S4409: Yes), the completion of the settlement is notified (step S4410), and the series of processes is terminated.

  In step S4409, when the payment result notification transmitted from the payment intermediary server 131 is not received (step S4409: No), it is determined whether or not a predetermined time has elapsed since the authentication information was transmitted in step S4408. (Step S4411). If the predetermined time has not elapsed since the authentication information was transmitted in step S4408 (step S4411: No), the process returns to step S4409.

  In step S4411, when a predetermined time has elapsed since the authentication information was transmitted in step S4408 (step S4411: Yes), a confirmation message that prompts the user to confirm that payment has been completed is notified (step S4412). A series of processing ends. In step S4412, for example, a confirmation message such as “Please confirm that payment has been completed correctly” or “Please check the payment completion screen displayed on the store terminal device 120” is displayed on the user terminal. It displays on the display 204 with which the smart phone which implement | achieves the apparatus 110 is provided.

  On the other hand, if the transaction information transmitted from the settlement intermediary server 131 has not been received (step S4403: No), whether or not the interruption notification transmitted from the settlement intermediation server 131 in step S4321 in FIG. 43 described above has been received. Is determined (step S4413). In step S4413, when the interruption notification is not received (step S4413: No), the process returns to step S4403.

  In step S4413, when the interruption notification is received (step S4413: Yes), the interruption of the settlement is notified based on the received interruption notification (step S4414), and the series of processing ends. In step S4414, for example, based on the interruption notice received in step S4413: Yes, the interruption of settlement is notified by displaying the display screen 4200.

  As described above, the settlement system 100 according to the third embodiment of the present invention generates a transaction number for the payment amount received from the store terminal device 120, and generates the generated transaction number, the payment amount, and the store. Are stored in the transaction information table 500 in association with each other and the generated transaction number is transmitted to the store terminal device 120. Then, when the transmitted transaction number and the account number of the user of the user terminal device 110 to which the transaction number is input are received from the user terminal device 110, the payment amount corresponding to the received transaction number and The store account number is extracted from the transaction information table 500, and based on the account information table 400 and the payable account information table 3600, it is determined whether or not the store associated with the extracted store account number is a trusted store.

  As a result of the above determination, if it is determined that the store is a trusted store, the transaction information is transmitted to the user terminal device 110, and the authentication information for the transmitted transaction information is received from the user terminal device 110. The payment is executed in accordance with the authentication processing performed based on the authentication information, and at least one of the user terminal device 110 and the store terminal device 120 is notified that the payment has been executed. It is said. Further, in the settlement system 100 according to the third embodiment of the present invention, when it is determined that the store is not a trusted store as a result of the above-described determination, an interruption notification transmitted to the corresponding user terminal device 110 is sent. Based on this, the user terminal device 110 is notified of payment interruption.

  According to the settlement system 100 of the third embodiment of the present invention, the settlement system 100 is trusted by determining whether or not the store is a trustworthy store (trusted store) based on the account information table 400 and the payable account table 3600. Even if the store is not registered in the store, payment using the payment system 100 can be performed as long as the store is registered in the payable account table 3600 as a trusted store by the user. As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

((Embodiment 4))
Next, a settlement system 100 according to the fourth embodiment of the present invention will be described. In the fourth embodiment, the same parts as those of the first embodiment, the second embodiment, and the third embodiment described above are denoted by the same reference numerals, and the description thereof is omitted.

(Functional configuration of payment system 100)
FIG. 45 is a block diagram showing a functional configuration of each part constituting the settlement system 100 according to the fourth embodiment of the present invention. 45, the settlement system 100 according to the fourth embodiment of the present invention includes a store terminal device 120, a user terminal device 110, and a settlement mediation server 131. The payment system 100 according to the fourth embodiment of the present invention may further include an external payment server 132.

  The user terminal device 110 includes a display unit 110b that displays the transaction number transmitted from the settlement server. The store terminal device 120 includes an input unit 120b for inputting a transaction number displayed on the display unit 110b of the user terminal device 110.

  In FIG. 29, each function of the payment intermediary server 131 in the payment system 100 according to the fourth embodiment of the present invention includes an account information table 400, a payment intention information receiving unit 4501, a transaction number generating unit 803, and a storage unit 804. A transaction number transmission unit 805, a transaction number reception unit 806, a recognition determination unit 4502, an extraction unit 807, a transaction information transmission unit 808, an authentication information reception unit 809, an authentication processing unit 810, and a settlement execution unit. 811, a notification unit 812, and an interruption notification unit 4503.

  Account information table 400, payment intention information receiving unit 4501, transaction number generation unit 803, storage unit 804, transaction number transmission unit 805, authorized determination unit for realizing each function of the settlement intermediary server 131 of the fourth embodiment according to the present invention 4502, transaction number reception unit 806, extraction unit 807, transaction information transmission unit 808, authentication information reception unit 809, authentication processing unit 810, payment execution unit 811, notification unit 812, and interruption notification unit 4503 It can be realized by each unit provided in the computer device that realizes the settlement server 132.

  The payment intention information receiving unit 4501 receives payment intention information regarding the payment intention from the user to the store from the user terminal device 110. Prior to the payment intention information receiving unit 4501 receiving the payment intention information, the user performs a predetermined input operation on the user terminal device 110 to indicate that the user has an intention to pay to the store. Input information and send the input information. Specifically, for example, the user executes a settlement support application in the user terminal device 110, displays a predetermined display screen (see FIG. 42), and performs an operation according to the predetermined display screen. Send payment intention information.

  The transaction number generation unit 803 generates a transaction number for the payment intention information received by the payment intention information reception unit 4501. The transaction number generation unit 803 generates a transaction number each time payment intention information is received by the payment intention information reception unit 4501. The transaction number transmission unit 805 transmits the transaction number generated by the transaction number generation unit 803 to the user terminal device 110. The transaction number transmission unit 805 transmits the transaction number generated by the transaction number generation unit 803 to the user terminal device 110 every time a transaction number is generated by the transaction number generation unit 803.

  When receiving the transaction number transmitted by the transaction number transmission unit 805, the user terminal device 110 visualizes and outputs the received transaction number. The user terminal device 110 generates, for example, a QR code 1310 indicating the transaction number transmitted by the transaction number transmission unit 805, and the generated QR code 1310 is displayed on the display 204 included in the smartphone that implements the user terminal device 110. Visualize the transaction number by displaying it.

  When the user terminal device 110 outputs the QR code 1310 indicating the transaction number, in addition to the transaction number transmitted by the transaction number transmission unit 805, the transaction terminal device 120 that has read the transaction number reads the transaction QR code including application software (hereinafter referred to as “settlement support application software” as in the first embodiment) that transmits the number and the store account number, which is store identification information, to the settlement mediation server 131 (the URL thereof) 1310 may be output. This payment support application software may be installed in advance in the store terminal device 120 that uses the payment system 100.

  Or the user terminal device 110 displays the numerical value (number) information which shows the transaction number transmitted by the transaction number transmission part 805 on the display 204 with which the smart phone which implement | achieves the user terminal device 110 is equipped, for example. Transaction numbers may be visualized. Alternatively, the user terminal device 110 may, for example, print a QR code 1310 indicating a transaction number transmitted by the transaction number transmission unit 805 or numerical value (numeric) information to the user terminal device 110 by wireless or wired connection. The transaction number may be visualized by printing it out via.

  The store terminal device 120 (its settlement support application software) accepts the input of the transaction number visualized by the user terminal device 110. In the payment system 100, for example, when the QR code 1310 indicating the transaction number is displayed on the display 204 of the user terminal device 110, the user uses the camera 208 provided in the smartphone that implements the store terminal device 120, It is assumed that the QR code 1310 is read.

  When the QR code 1310 is read, the store terminal device 120 executes the payment support application software included in the read QR code 1310 to input the transaction number included in the QR code 1310. The transaction number received and input and the account number of the store where the transaction number is input are transmitted to the settlement mediation server 131. The store terminal device 120 also sends the payment amount paid by the user to the store together with the payment intermediary server 131.

  The transaction number receiving unit 806 transmits the transaction number transmitted from the store terminal device 120 by the transaction number transmission unit 805, the payment amount paid by the user to the store, and the store terminal device 120 into which the transaction number is input. And the account number of the store where is installed.

  Based on the account information table 400, the authorized determination unit 4502 determines whether or not the store related to the store account number received by the transaction number receiving unit 806 is an authorized store. Whenever the transaction amount receiving unit 806 receives the payment amount, the official recognition determining unit 4502 determines whether or not the store corresponding to the store account number received by the transaction number receiving unit 806 together with the payment amount is an authorized store. to decide.

  The extraction unit 807 stores the account number of the user of the user terminal device 110 corresponding to the transaction number received by the transaction number receiving unit 806 when the authorized determination unit 4502 determines that the store is an authorized store. Extract from When the transaction number received by the transaction number receiving unit 806 is determined to be an authorized store by the authorized determination unit 4502, the extracting unit 807 is received by the transaction number receiving unit 806 with reference to the transaction information table 500. The account number of the user corresponding to the transaction number is extracted from the transaction information table 500. That is, the user's account number corresponding to the transaction number received by the transaction number receiving unit 806 is extracted only when the authorized determination unit 4502 determines that the store is an authorized store.

  The transaction information transmission unit 808 transmits the transaction information including the user information related to the user account number extracted by the extraction unit 807 and the payment amount received by the transaction number reception unit 806 to the user terminal device 110. . The user associated with the user account number can be, for example, a user registered in advance as a user (owner) of the user terminal device 110 specified by the user account number.

  Upon receiving the transaction information, the user terminal device 110 (the payment support application software) executes the payment support application software, and based on the received transaction information, stores the store information such as the store name and the payment amount. And displayed on the display 204 included in the smartphone that implements the user terminal device 110. The user confirms the store name and the payment amount displayed on the display 204 provided in the smartphone that implements the user terminal device 110, and inputs identity verification information when executing settlement. When the user identification information is input, the user terminal device 110 (its payment support application software) transmits authentication information for the transaction information received by the user terminal device 110 to the payment mediation server 131.

  The authentication information receiving unit 809 receives authentication information for transaction information from the user terminal device 110. The authentication processing unit 810 performs authentication processing of the user based on the payment amount extracted by the extraction unit 807 and the user information related to the user terminal device ID. Further, the authentication processing unit 810 performs authentication processing based on the authentication information received by the authentication information receiving unit 809.

  When it is determined by the authorized determination unit 4502 that the suspension is not a certified store, the suspension notification unit 4503 notifies the store terminal device 120 that the process is suspended because the store is not a certified store. The interruption notification unit 4503 gives an interruption notification indicating that the process is interrupted because the corresponding store is not an authorized store, such as “Your store is not an official store of the XX payment system and cannot accept payment”. , To the corresponding store terminal device 120. Specifically, the interruption notifying unit 4503, for example, “Your shop is not an official store of the XX payment system and cannot accept payment. XX− ×××××× An interruption notice including a message “Please contact XXX” may be transmitted to the corresponding store terminal device 120.

(Processing procedure of payment system 100)
Next, a processing procedure of the settlement system 100 according to the fourth embodiment of the present invention will be described. FIG. 46 is an explanatory diagram showing a processing procedure of the payment system 100 according to the fourth embodiment of the present invention.

  46, in the payment using the payment system 100 according to the fourth embodiment of the present invention, payment intention information is transmitted from the user terminal device 110 to the payment intermediary server 131 (see an arrow 4610 in FIG. 46). reference). When the payment intermediary server 131 receives payment intention information from the user terminal device 110, it generates a transaction number. Then, the generated transaction number and the received user terminal device ID are associated and stored in the transaction information table 500.

  Next, the settlement intermediary server 131 transmits the generated transaction number to the user terminal device 110 that is the transmission source of the payment intention information (see an arrow 4620 in FIG. 46). When receiving the transaction number transmitted from the payment intermediary server 131, the user terminal device 110 generates a QR code 1310 indicating the received transaction number, and displays the generated QR code 1310.

  The store (the store clerk) inputs the transaction number to the store terminal device 120 by reading the QR code 1310 displayed on the user terminal device 110. The shop terminal device 120 transmits the transaction number input by reading the QR code 1310 to the settlement mediation server 131 (see arrow 4630 in FIG. 46). In addition to the transaction number, the store terminal device 120 transmits the payment amount and the account number of the store where the store terminal device 120 is installed to the payment intermediary server 131. The payment amount is input by, for example, a store (clerk) prior to transmission of the transaction number, payment amount, and store account number by the store terminal device 120. Either the transaction number or the payment amount may be input first.

  When the payment intermediary server 131 receives the transaction number, payment amount, and store account number transmitted from the store terminal device 120, the store related to the received store account number is an authorized store based on the account information table 400. Judge whether there is. When the store related to the received account number of the store is an authorized store, the transaction information table 500 shows the account number of the user corresponding to the transaction number transmitted from the store terminal device 120 and received by the payment intermediary server 131. Extract from

  The settlement intermediary server 131 transmits transaction information including the received payment amount and store information related to the store account number to the user terminal device 110 specified by the extracted user account number ( (See arrow 4640 in FIG. 46). Upon receiving the transaction information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information. The user confirms the store name and the payment amount, and inputs the person confirmation information when executing settlement. When the user identification information is input, the user terminal device 110 transmits authentication information for the transaction information received by the user terminal device 110 to the settlement mediation server 131 (see an arrow 4650 in FIG. 46).

  When receiving the authentication information, the settlement intermediary server 131 performs an authentication process based on the received authentication information, and executes a settlement based on the result of the authentication process. When executing the settlement, the settlement intermediary server 131 performs the settlement by transferring funds between the accounts based on the information stored in the account information table 400. Further, when executing the payment, a part of the payment in the payment system 100 may be executed in the external payment server 132 by appropriately communicating with the external payment server 132 (see the arrow 1820 in FIG. 46). ).

  Thereafter, when the settlement intermediary server 131 executes settlement, the settlement intermediary server 131 transmits a settlement result notification indicating the result of executing the settlement to at least one of the user terminal device 110 and the shop terminal device 120 (arrow in FIG. 46). 4660, 4670). Thereby, it is possible to inform the user or the store that the settlement has been completed.

  When the settlement result notification is transmitted only to the user terminal device 110 or only to the store terminal device 120, the received one (for example, the user) shows the received settlement result notification to the other (for example, the store clerk). The payment system 100 may be operated. The payment intermediary server 131 may transmit a payment result notification to both the user terminal device 110 and the store terminal device 120.

  As a result of the above determination (official determination), the settlement intermediary server 131 interrupts subsequent processing when it is determined that the store associated with the received store account number is not an authorized store. Further, when the settlement intermediary server 131 determines that the store corresponding to the received store account number is not an authorized store as a result of the above determination, the settlement intermediary server 131 interrupts the processing because the corresponding store is not an authorized store. Alternatively, the store terminal device 120 may be notified (see arrow 4680 in FIG. 46).

  Further, when the settlement intermediary server 131 determines that the store corresponding to the received store account number is not an authorized store as a result of the above determination, the settlement intermediary server 131 interrupts the processing because the corresponding store is not an authorized store. The user terminal device 110 may be notified. In this case, the user terminal device 110 displays a display screen (see reference numeral 4820 in FIG. 48-2) that guides the processing to be interrupted because the store is not an authorized store.

(Example of display screen of user terminal device 110)
Next, a display screen example of the user terminal device 110 in the payment system 100 according to the fourth embodiment of the present invention will be described. 47, 48-1, and 48-2 are explanatory diagrams showing examples of display screens of the user terminal device 110 in the settlement system 100 according to the fourth embodiment of the present invention. 47, 48-1, and 48-2, the display screens 4700, 4800, and 4820 are displayed on the display 204 included in the smartphone that implements the user terminal device 110.

  In FIG. 47, the display screen 4700 displays a user name and an “OK” key that displays a willingness to pay the user. When the “OK” key is operated on the display screen 4700, the user terminal device 110 indicates payment intention information indicating that the user specified by the user name displayed on the display screen 4700 has an intention to pay. Is transmitted to the settlement intermediary server 131.

  In FIG. 48A, the display screen 4800 displays a QR code 1310 indicating the user name, transaction number, and transaction number. The QR code 1310 indicating the transaction number is generated, for example, in a smartphone that implements the user terminal device 110. Alternatively, the QR code 1310 indicating the transaction number may be generated in the payment intermediary server 131, for example. The display screen 4800 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when the “OK” key is operated on the display screen 4700 and the transaction number generated in the payment intermediary server 131 is received. .

  In FIG. 48-2, the display screen 4820 displays a message indicating that the payment is interrupted because it is not an authorized store, in addition to the user name and the used store name. On the display screen 4820, the message cannot be paid because the store whose store name is shown on the display screen 4820 is not an authorized store, such as “The following store is not an official store and cannot be paid.” It can be a sentence showing that. The display screen 4820 is displayed when a transaction number is not generated in the payment intermediary server 131 and the corresponding store is recognized as not an authorized store, and when the interruption notification is received from the payment intermediation server 131, the user It is displayed on the display 204 provided in the smartphone that implements the terminal device 110.

(Example of display screen of store terminal device 120)
Below, the example of a display screen of the shop terminal device 120 in the payment system 100 of Embodiment 4 concerning this invention is demonstrated. 49 and 50 are explanatory diagrams showing examples of display screens of the shop terminal device 120 in the settlement system 100 according to the fourth embodiment of the present invention. 49 and FIG. 50, display screens 4900 and 5000 are displayed on the display 204 included in the smartphone that implements the shop terminal device 110.

  In FIG. 49, a display screen 4900 displays a store name and a frame image. The frame image guides the position and size of the QR code 1310 to be read (distance between the store terminal device 120 and the QR code 1310) and the like. The display screen 4900 provides information such as the position and size of the QR code 1310 to be read (distance between the store terminal device 120 and the QR code 1310), such as “Please hold the QR code in the frame below”. A message may be displayed. The display screen 4900 is displayed on the display 204 included in the smartphone that implements the store terminal device 120 when the payment support application software is activated in the store terminal device 120.

  In FIG. 50, a display screen 5000 displays a store name and a payment amount. The display screen 5000 is displayed on the display 204 provided in the smartphone that implements the store terminal device 120 when the payment amount is input. In the display screen 5000, the store name is displayed in advance, and the payment amount is input by the store (the clerk). The display screen 5000 displays a numeric key and an “OK” key for inputting the payment amount. The store (the clerk) can input the payment amount by operating these keys displayed on the display screen 5000.

  Either the display screen 4900 or the display screen 5000 may be displayed first. That is, when the payment support application software is activated in the store terminal device 120, the display screen 5000 may be displayed, and the display screen 4900 may be displayed after the payment amount is input.

  In the payment system 100, the display screens 2400, 2600, 4700, 4800, 4900, and 5000 are displayed in the order of display screen 4700 → display screen 4800 → display screen 2600 → display screen 4900 → display screen 5000 → display screen 2400. .

(Processing procedure of user terminal device 110)
Next, a processing procedure of the user terminal device 110 in the settlement system 100 according to the fourth embodiment of the present invention will be described. FIG. 51 is a flowchart showing a processing procedure of the user terminal device 110 in the settlement system 100 according to the fourth embodiment of the present invention. The process shown in the flowchart of FIG. 51 is executed in a state where the payment support application is activated in the user terminal device 110.

  In the flowchart of FIG. 51, first, the user terminal device 110 in the payment system 100 according to the fourth embodiment of the present invention determines whether or not input of payment intention information has been accepted (step S5101). When the input of payment intention information is not received (step S5101: No), it waits until the input of payment intention information is received.

  In step S5101, when the input of payment intention information is accepted (step S5101: Yes), it is determined whether or not there is an instruction to transmit the payment intention information accepted (step S5102). If there is no instruction to send payment intention information (step S5102: No), it waits until there is an instruction to send payment intention information.

  On the other hand, if there is an instruction to send payment intention information in step S5102 (step S5102: Yes), the payment intention information received in step S5101: Yes is sent to the settlement intermediary server 131 (step S5103). ). Then, as a result of transmitting the payment intention information, it is determined whether or not the transaction number transmitted from the settlement mediation server 131 has been received (step S5104).

  When the transaction number transmitted from the settlement mediation server 131 is received in step S5104 (step S5104: Yes), the received transaction number is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 ( Step S5105). Thereafter, it is determined whether or not the transaction information transmitted from the settlement mediation server 131 has been received (step S5106). If the transaction information transmitted from the settlement intermediary server 131 has not been received (step S5106: No), it waits until it is received.

  Alternatively, in step S5106, it is determined whether or not a predetermined time has elapsed since the transaction number was displayed in step S5105. Even if the predetermined time has elapsed since the transaction number was displayed in step S5105, the settlement intermediary server 131. If the transaction information transmitted from is not received, the series of processing may be terminated. In this case, the user terminal device 110 displays a display screen 4820 to inform the user that the payment is interrupted because the user terminal device 110 is not an authorized store. Alternatively, in this case, the possibility that the settlement is interrupted because the corresponding store is not an authorized store, a message that prompts confirmation of the settlement method for the corresponding store, and the like may be displayed.

  In step S5106, it is determined whether or not a predetermined time has elapsed since the transaction number was displayed in step S5105, and transmitted from the settlement intermediary server 131 even if the predetermined time has elapsed since the transaction number was displayed in step S5105. If the received transaction information is not received, it may be determined that an error has occurred, and a predetermined error process may be performed. In this case, for example, a message such as “Please start again from the beginning” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S5106, when the transaction information transmitted from the settlement mediation server 131 is received as a result of displaying the transaction number in step S5105 (step S5106: Yes), the display 204 provided in the smartphone that implements the user terminal device 110 is displayed. Step S5106: The transaction information received in Yes is displayed (Step S5107).

  Next, it waits until the input of identity verification information is accepted (step S5108: No). When the input of identity verification information is accepted (step S5108: Yes), whether or not there has been an instruction to send the transaction number and the identity verification information. Is determined (step S5109). If there is no transmission instruction for the transaction number and the personal identification information (step S5109: No), the process waits until the transmission instruction is received. When there is an instruction to send the transaction number and the identity verification information (step S5109: Yes), authentication information is generated (step S5110), and the generated authentication information is transmitted to the payment intermediary server 131 (step S5111). ).

  Then, it is determined whether or not the settlement result notification transmitted from the settlement mediation server 131 has been received (step S5112). When the payment result notification transmitted from the payment intermediary server 131 is received (step S5112: Yes), the payment result is notified based on the received payment result notification (step S5113), and the series of processes is terminated.

  In step S5112, if the payment result notification transmitted from the payment intermediary server 131 is not received (step S5112: No), it is determined whether or not a predetermined time has elapsed since the authentication information was transmitted in step S5111. (Step S5114). If the predetermined time has not elapsed since the transmission of the authentication information in step S5111, the process returns to step S5112.

  In step S5114, when a predetermined time has elapsed since the authentication information was transmitted in step S5111 (step S5114: Yes), a message prompting confirmation that the settlement has been completed is notified (step S5115), Terminate the process. In step S5115, for example, a message such as “Please confirm that payment has been completed correctly” or “Please check the payment result screen displayed on the store terminal device 120” is displayed on the user terminal device. 110 is displayed on the display 204 included in the smartphone that implements the network 110.

  If the transaction number transmitted from the settlement intermediary server 131 is not received in step S5104 (step S5104: No), it is determined whether or not a predetermined time has elapsed since the payment intention information was transmitted in step S5103. (Step S5116). If the predetermined time has not elapsed since the payment intention information was transmitted in step S5103 (step S5116: No), the process returns to step S5104.

  On the other hand, in step S5116, if a predetermined time has elapsed since the payment intention information was transmitted in step S5103 (step S5116: Yes), it is determined that an error has occurred, and predetermined error processing is performed (step S5117). In step S5117, for example, a message such as “Please start again from the beginning” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

(Processing procedure of settlement mediation server 131)
Next, a processing procedure of the payment mediation server 131 in the payment system 100 according to the fourth embodiment of the present invention will be described. FIG. 52 is a flowchart showing a processing procedure of the payment intermediary server 131 in the payment system 100 according to the fourth embodiment of the present invention.

  In the flowchart of FIG. 52, first, the settlement intermediary server 131 in the settlement system 100 according to the fourth embodiment of the present invention determines whether or not the payment intention information transmitted from the user terminal device 110 has been received (step) S5201). If the payment intention information transmitted from the user terminal device 110 has not been received (step S5201: No), the process waits until it is received.

  When the payment intention information transmitted from the user terminal device 110 is received in step S5201 (step S5201: Yes), a transaction number is generated (step S5202), and the generated transaction number is stored (step S5203). . In step S5203, the transaction number generated in step S5202 is associated with the account number of the user of user terminal device 110 that is the transmission source of payment intention information, and stored in transaction information table 500. And the transaction number produced | generated in step S5202 is transmitted with respect to the user terminal device 110 used as the transmission origin of the payment intention information received in step S5201: Yes (step S5204).

  Next, it is determined whether or not a transaction number, a store account number, and a payment amount have been received from the store terminal device 120 (step S5205). When the transaction number, the store account number, and the payment amount are received (step S5205: YES), the store corresponding to the store account number received in step S5205: YES is an authorized store based on the account information table 400. It is determined whether or not (step S5206).

  In step S5206, if the store corresponding to the store account number received in step S5205: Yes is an authorized store (step S5206: Yes), the transaction number, store account number and payment received in step S5205: Yes. Based on the amount, the transaction information table 500 is referred to, and the corresponding user terminal device ID is extracted (step S5207).

  Then, the transaction information table 500 is updated based on the user account number extracted in step S5207 (step S5208). In step S5208, transaction information is generated based on the account number of the user extracted in step S5207, and the transaction number transmitted from the user terminal device 110 and the remittance destination account specified by the transaction number The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500 in a state where the number is associated.

  In step S5208, based on the received transaction number and the user's account number, it is determined whether or not to update transaction information table 500 by referring to the transaction information registration date / time and status flag in transaction information table 500. To do. Specifically, in step S5208, for example, with reference to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time included within a predetermined time from the transaction information registration date and time in the transaction information table 500, The transaction information table 500 is updated. Alternatively, specifically, in step S5208, for example, the status flag in transaction information table 500 is referred to, and transaction status table 500 is updated when the status flag in transaction information table 500 indicates “processing”.

  Specifically, in step S5208, for example, referring to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time when a predetermined time or more has elapsed from the transaction information registration date and time in the transaction information table 500, A series of processes may be terminated without updating the transaction information table 500. Alternatively, specifically, in step S5207, for example, the status flag in the transaction information table 500 is referred to. If the status flag in the transaction information table 500 indicates “complete”, the transaction information table 500 is not updated, Processing may be terminated.

  Next, the generated transaction information is transmitted to the user terminal device 110 corresponding to the user terminal device ID extracted in step S5207 (step S5209). And it is judged whether the authentication information transmitted from the user terminal device 110 was received as a result of transmitting transaction information in step S5209 (step S5210). When the authentication information transmitted from the user terminal device 110 is received (step S5210: Yes), the authentication process is executed based on the received authentication information (step S5211). The authentication process executed in step S5211 is the same as the authentication process in the first embodiment, and a description thereof will be omitted.

  Next, it is determined whether or not the authentication performed in step S5211 is OK, that is, whether or not the result of the authentication process executed based on the authentication information received in step S5210: Yes is permitted. (Step S5212). When the authentication is not OK (step S5212: No), the process proceeds to step S5220.

  If the authentication is OK in step S5212 (step S5212: Yes), it is determined whether or not the card number is included in the authentication information received in step S5210: Yes (step S5213). Step S5210: If the card number is not included in the authentication information received in Yes (step S5213: No), it is associated with the corresponding account number based on the authentication information received in Step S5210: Yes. It is determined whether or not the account balance is equal to or greater than the payment amount (step S5214).

  In step S5214, when the account balance associated with the corresponding account number is equal to or larger than the payment amount (step S5214: Yes), the process proceeds to step S5217. On the other hand, in step S5214, when the account balance associated with the corresponding account number is not equal to or more than the payment amount (step S5214: No), the process proceeds to step S5220.

  In step S5213, when the card number is included in the authentication information received in step S5210: Yes (step S5213: Yes), a card payment request is transmitted to the external payment server 132 (step S5215). In response to the card payment request transmitted to the external payment server 132, whether or not there is a response indicating that the card payment in the external payment server 132 is OK (the external payment server 132 uses the card payment in the external payment server 132). Whether or not a response indicating OK is returned (step S5216).

  If the external payment server 132 returns OK to the card payment request transmitted to the external payment server 132 in step S5216 (step S5216: Yes), the process proceeds to step S5217. On the other hand, in response to the card payment request transmitted to the external payment server 132, the external payment server 132 does not return OK (a response indicating that the external payment server 132 cannot perform card payment in the external payment server 132). (Step S5216: No), the process proceeds to Step S5220.

  In step S5217, settlement is executed based on the result of the authentication process (step S5217). In step S5217, for example, in the case of going through step S5214: Yes, settlement is executed by transferring funds between the user's account and the store's account. In step S5217, for example, in the case of going through step S5216: Yes, communication is performed with the external payment server 132, and the payment is executed by acquiring the result of the payment processing in the external payment server 132.

  Then, settlement is executed based on the result of the authentication process (step S5217). Thereafter, a payment result notification indicating the result of the payment executed in step S5217 is transmitted to the user terminal device 110 that is the transmission source of the authentication information received in step S5210: Yes (step S5218). Terminate the process.

  In step S5218, the status flag of the corresponding transaction information in the transaction information table 500 is updated to “completed”. The status flag updated in step S5218 does not indicate only “processing” and “completed”, but indicates “error” when a series of processing ends with an error as in step S5220, which will be described later. It may be shown.

  On the other hand, if the authentication information transmitted from the user terminal device 110 is not received as a result of transmitting the transaction information in step S5209 in step S5210 (step S5210: No), the transaction information is transmitted in step S5209. It is determined whether or not a predetermined time has elapsed from step S5219. If the predetermined time has not elapsed (step S5219: NO), the process returns to step S5210.

  In step S5219, if a predetermined time has elapsed since the transaction information was transmitted in step S5209 (step S5219: Yes), it is determined that the user has not been authenticated or a communication error has occurred, and the process Predetermined error processing such as notification of completion or error notification is performed (step S5220), and the series of processing ends.

  In step S5220, for example, if step S5214: No is passed, an error message indicating that settlement cannot be performed because the account balance associated with the corresponding account number is not equal to or greater than the payment amount is displayed in step S5210: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information received in step S1 is performed.

  In step S5220, for example, if step S5216: No is passed, an error message indicating that the external payment server 132 cannot perform card payment in the external payment server 132 is received in step S5210: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information is performed.

  In step S5206, when the store related to the account number of the store received in step S5205: Yes is not an authorized store (step S5206: No), the subsequent processing is interrupted, and the series of processing ends. In step S5206, if the store corresponding to the account number of the store received in step S5205: Yes is not an authorized store, step S5205: for the store terminal device 120 that is the transmission source of the payment amount received in Yes An interruption notification may be transmitted.

  In step S5205, when the transaction number, the store account number, and the payment amount have not been received from the store terminal device 120 (step S5205: No), whether or not a predetermined time has elapsed since the transaction number was transmitted in step S5204. Is determined (step S5221).

  In step S5221, when the predetermined time has not elapsed since the transaction number was transmitted in step S5204 (step S5221: No), the process returns to step S5205. On the other hand, in step S5221, when a predetermined time has elapsed since the transaction number was transmitted in step S5204 (step S5221: Yes), the process proceeds to step S5220.

(Processing procedure of store terminal device 120)
Next, a processing procedure of the store terminal device 120 in the settlement system 100 according to the fourth embodiment of the present invention will be described. FIG. 53 is a flowchart showing a processing procedure of the store terminal apparatus 120 in the settlement system 100 according to the fourth embodiment of the present invention.

  In the flowchart of FIG. 53, first, the shop terminal device 120 in the settlement system 100 according to the fourth embodiment of the present invention determines whether or not a transaction number has been input (step S5301). In step S5301, for example, the transaction number can be input by reading the QR code 1310 displayed by the user terminal device 110 using the camera 208 provided in the smartphone that implements the store terminal device 120. Or in step S5301, the numerical value which shows a transaction number may be directly inputted by operating keyboard 205 with which the smart phone which realizes store terminal unit 120 is equipped, for example.

  In step S5301, when the transaction number is not input (step S5301: No), it waits until the transaction number is input. On the other hand, when the transaction number is input (step S5301: YES), it is determined whether the payment amount is input (step S5302). If the payment amount has not been input (step S5302: NO), the process returns to step S5302.

  In the settlement system 100 according to the fourth embodiment of the present invention, the payment amount may be input before receiving the transaction number or after receiving the transaction number. When accepting the payment amount after accepting the transaction number, in step S5302, it may be determined whether or not the “OK” key on the display screen 5000 has been operated.

  If the payment amount has been input in step S5302 (step S5302: Yes), the store terminal device 120 to which the input transaction number, the payment amount, and the transaction number have been input is installed on the settlement intermediary server 131. The account number of the designated store is transmitted (step S5303).

  Then, it is determined whether or not the settlement result notification transmitted from settlement mediation server 131 in step S5218 in FIG. 52 has been received (step S5304). When the payment result notification transmitted from the payment intermediary server 131 is received (step S5304: Yes), the payment result is notified based on the received payment result notification (step S5305), and the series of processes is terminated.

  In step S5304, if the payment result notification transmitted from the payment intermediary server 131 has not been received (step S5304: NO), a predetermined time has elapsed since the payment amount, transaction number, and store account number were transmitted in step S5303. It is determined whether or not the time has elapsed (step S5306). If the predetermined time has not elapsed since the payment amount, transaction number, and store account number were transmitted in step S5303 (step S5306: NO), the process returns to step S5304.

  In step S5306, if a predetermined time has elapsed since the transaction number and the store account number were transmitted in step S5303 (step S5306: YES), a message prompting confirmation that payment has been completed is notified ( In step S5307), a series of processing ends. In step S5307, for example, a message such as “Please confirm that payment has been completed correctly” or “Please check the payment result screen displayed on the store terminal device 120” is displayed on the user terminal device. 110 is displayed on the display 204 included in the smartphone that implements the network 110.

  As described above, the settlement system 100 according to the fourth embodiment of the present invention generates a transaction number for the payment intention information received from the user terminal device 110, the generated transaction number, and the user The user terminal device ID of the terminal device 110 is associated and stored in the transaction information table 500, and the generated transaction number is transmitted to the user terminal device 110. And when store terminal device ID into which the transmitted transaction number, payment amount, and the said transaction number were inputted is received from store terminal device 120, it will depend on received store terminal device ID based on account information table 400 It is determined (official determination) whether or not the store is an authorized store.

  As a result of the above determination (official determination), when it is determined that the store is an authorized store, the user terminal device ID corresponding to the received transaction number is extracted from the transaction information table 500, and the extracted user terminal device Payment is executed in accordance with the authentication process performed based on the user information related to the ID and the received information, and at least one of the user terminal device 110 and the store terminal device 120 indicates that the payment has been executed. It is characterized by notifying. Further, the settlement system 100 according to the fourth embodiment of the present invention is characterized in that the subsequent processing is interrupted when it is determined that the store is not an authorized store as a result of the above-described determination (official determination).

  According to the settlement system 100 of the fourth embodiment of the present invention, transaction information relating to the transaction is only displayed when the store where the user intends to conduct the transaction by card settlement is an authorized store. Sent to. Thereby, it is possible to prevent an unauthorized transaction unintended by the user from being performed with an unauthorized terminal device that is not the store terminal device 120 of the authorized store. As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  Further, according to the settlement system 100 of the fourth embodiment of the present invention, for example, by using a settlement means that replaces cash such as a credit card or a debit card, high convenience by performing settlement using these settlement means. The personal information of the user can be settled by the face-to-face sales method without being known to a third party such as the store (the store clerk). As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  In addition, the settlement system 100 according to the fourth embodiment of the present invention transmits user information related to the extracted user terminal device ID and transaction information including the received payment amount to the user terminal device 110, The authentication information for the transmitted transaction information is received from the user terminal device 110, and authentication processing is performed based on the received authentication information. According to the settlement system 100 of the second embodiment of the present invention, the authentication process is performed after the user confirms the user information, the payment amount, and the like. As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash.

((Embodiment 5))
Next, a settlement system 100 according to the fifth embodiment of the present invention will be described. In the fifth embodiment, the same parts as those in the first embodiment, the second embodiment, the third embodiment, and the fourth embodiment are denoted by the same reference numerals, and the description thereof is omitted.

(Functional configuration of payment system 100)
FIG. 54 is a block diagram showing a functional configuration of each part constituting the settlement system 100 according to the fifth embodiment of the present invention. 54, the functions of the payment intermediary server 131 in the payment system 100 according to the fifth embodiment of the present invention are the account information table 400, the payment intention information reception unit 4501, the transaction number generation unit 803, and the storage unit 804. A transaction number transmission unit 805, a transaction number reception unit 806, a recognition determination unit 5401, an extraction unit 807, a transaction information transmission unit 5402, an authentication information reception unit 809, an authentication processing unit 810, and a settlement execution unit. 811 and the notification unit 812.

  Account information table 400 for realizing each function of settlement intermediary server 131 according to the fifth embodiment of the present invention, payment intention information receiving unit 4501, transaction number generating unit 803, storage unit 804, transaction number transmitting unit 805, receiving transaction number Unit 806, authorized determination unit 5401, extraction unit 807, transaction information transmission unit 5402, authentication information reception unit 809, authentication processing unit 810, payment execution unit 811, and notification unit 812 implement the payment intermediary server 131 and the external payment server 132. It can implement | achieve by each part with which the computer apparatus to perform is equipped.

  Based on the account information table 400, the authorized determination unit 5401 determines whether or not the store associated with the store account number received by the transaction number receiving unit 806 is an authorized store. Each time the transaction number receiving unit 806 receives the payment amount, the official recognition determination unit 5401 determines whether or not the store corresponding to the store account number received by the transaction number reception unit 806 together with the payment amount is an authorized store. to decide.

  The extraction unit 807 extracts the user terminal device ID corresponding to the transaction number received by the transaction number receiving unit 806 from the storage unit 804. The extracting unit 807 refers to the transaction information table 500 and extracts the user terminal device ID corresponding to the transaction number received by the transaction number receiving unit 806 from the transaction information table 500.

  The transaction information transmission unit 5402 is received by the transaction number receiving unit 806 and the user information related to the user's account number extracted by the extraction unit 807 when the authorized determination unit 5401 determines that the store is an authorized store. The transaction information including the paid amount is transmitted to the user terminal device 110. That is, the transaction information transmission unit 5402 transmits only the transaction information to the user terminal device 110 when the authorized determination unit 5401 determines that the store is an authorized store.

  Further, the transaction information transmission unit 5402 may transmit information indicating that the corresponding store is an authorized store to the user terminal device 110 when the authorized determination unit 5401 determines that the store is an authorized store. . Accordingly, it is possible to actively guide the user of the user terminal device 110 that the corresponding store is an authorized store. Thus, by actively guiding that the store is an authorized store, it is possible to improve the user's sense of security in settlement at the store and to promote sales at the store.

  Further, the transaction information transmission unit 5402 uses the user information and the transaction number receiving unit 806 related to the user's account number extracted by the extraction unit 807 when the authorized determination unit 5401 determines that the store is not an authorized store. The transaction information including the received payment amount and the confirmation information are transmitted to the user terminal device 110. That is, transaction information transmission unit 5402 transmits transaction information and confirmation information to user terminal device 110 when it is determined by authorized determination unit 5401 that the store is not an authorized store.

  Note that the extraction unit 807 may extract the account number of the user corresponding to the transaction number from the storage unit 804 every time the transaction number is received by the transaction number receiving unit 806. In this case, the authorized determination unit 5401 extracts the account number of the user corresponding to the transaction number received by the transaction number receiving unit 806 by the extracting unit 807, and then receives the account number of the store received by the transaction number receiving unit 806. It is judged whether the store concerning is a certified store or not.

(Processing procedure of payment system 100)
Next, the processing procedure of the settlement system 100 according to the fifth embodiment of the present invention will be described. FIG. 55 is an explanatory diagram showing a processing procedure of the settlement system 100 according to the fifth embodiment of the present invention.

  55, in the payment using the payment system 100 according to the fifth embodiment of the present invention, payment intention information is transmitted from the user terminal device 110 to the payment intermediary server 131 (see an arrow 4610 in FIG. 55). reference). When the payment intermediary server 131 receives payment intention information from the user terminal device 110, it generates a transaction number. The generated transaction number and the received user account number are stored in the transaction information table 500 in association with each other.

  Next, the settlement intermediary server 131 transmits the generated transaction number to the user terminal device 110 that is the transmission source of the payment intention information (see arrow 4620 in FIG. 55). When receiving the transaction number transmitted from the payment intermediary server 131, the user terminal device 110 generates a QR code 1310 indicating the received transaction number, and displays the generated QR code 1310.

  The store (the store clerk) inputs the transaction number to the store terminal device 120 by reading the QR code 1310 displayed on the user terminal device 110. The shop terminal device 120 transmits the transaction number input by reading the QR code 1310 to the settlement mediation server 131 (see arrow 4630 in FIG. 55). In addition to the transaction number, the store terminal device 120 transmits the payment amount and the account number of the store where the store terminal device 120 is installed to the payment intermediary server 131. The payment amount is input by, for example, a store (clerk) prior to transmission of the transaction number, payment amount, and store account number by the store terminal device 120. Either the transaction number or the payment amount may be input first.

  When the payment intermediary server 131 receives the transaction number, payment amount, and store account number transmitted from the store terminal device 120, the store related to the received store account number is an authorized store based on the account information table 400. Judge whether there is. And when it judges whether the store concerning the received account number of a store is an authorized store, the use corresponding to the transaction number transmitted from the store terminal device 120 and received in the payment intermediary server 131 The account number of the person is extracted from the transaction information table 500.

  As a result of the above determination, when the store related to the received account number of the store is an authorized store, the settlement intermediary server 131 sends the user terminal device 110 specified by the extracted user account number to the user terminal device 110. Transaction information including the received payment amount and store information relating to the store account number is transmitted (see arrow 5510 in FIG. 55).

  On the other hand, as a result of the above determination, when the store related to the received account number is not an authorized store, the settlement intermediary server 131 sends the user terminal device 110 specified by the extracted user account number to the user terminal device 110. Then, the transaction information and confirmation information are transmitted (see arrow 5520 in FIG. 55).

  If the settlement intermediary server 131 determines whether or not the store associated with the received store account number is an authorized store, the transaction intermediary server 131 is immediately before transmitting the transaction information (or transaction information and confirmation information). Good. For example, after extracting the account number of the user, the settlement intermediary server 131 may determine whether or not the store related to the received store account number is an authorized store.

  Further, when the settlement intermediary server 131 receives the transaction number, payment amount and store account number transmitted from the store terminal device 120, the received transaction number is associated with the remittance destination account number specified by the transaction number. In this state, the information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500.

  When the transaction intermediary server 131 receives the transaction number, payment amount, and store account number transmitted from the store terminal device 120, the settlement intermediary server 131, based on the transaction information registration date / time and status flag in the transaction information table 500, It is determined whether or not to extract an account number, and the account number of the user corresponding to the transaction number transmitted from the shop terminal device 120 is extracted according to the determination result.

  For example, the settlement intermediary server 131 receives the transaction number, payment amount, and store account number transmitted from the store terminal device 120 within a predetermined time from the transaction information registration date and time corresponding to the corresponding transaction number. The account number of the corresponding user is extracted from the transaction information table 500. Alternatively, the settlement intermediary server 131, for example, the settlement intermediary server 131, when the status flag associated with the received transaction number, payment amount, and store account number indicates “processing”, The account number is extracted from the transaction information table 500.

  Further, for example, the settlement intermediary server 131 receives a transaction number, a payment amount, and a store account number transmitted from the store terminal device 120 for a predetermined time or more from the transaction information registration date corresponding to the corresponding transaction number. If the date and time are the same, the account number of the user is not extracted. Further, for example, when the status flag associated with the received transaction number indicates “completed”, the settlement intermediary server 131 does not extract the user's account number.

  Upon receiving the transaction information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information. The user confirms the store name and the payment amount, and inputs the person confirmation information when executing settlement. When the user identification information is input, the user terminal device 110 transmits authentication information for the transaction information received by the user terminal device 110 to the payment intermediary server 131 (see arrow 4650 in FIG. 55).

  When receiving the authentication information, the settlement intermediary server 131 performs an authentication process based on the received authentication information, and executes a settlement based on the result of the authentication process. When executing the settlement, the settlement intermediary server 131 performs the settlement by transferring funds between the accounts based on the information stored in the account information table 400. Further, when executing the payment, a part of the payment in the payment system 100 may be executed in the external payment server 132 by appropriately communicating with the external payment server 132 (see the arrow 1820 in FIG. 55). ).

  When mediating credit settlement using a credit card, for example, processing can be performed using a card number and a password registered in advance in the account information table 400. When mediating credit settlement using a credit card, for example, processing may be performed using a personal identification number input to the user at the timing of inputting personal identification information.

  Specifically, for example, the user terminal device 110 (its payment support application software) displays a screen for requesting input of a card number in addition to the identification information on the display 204 provided in the smartphone that realizes the user terminal device 110. indicate. When the authentication execution unit 811 receives the authentication information including the identification information and the card number input in accordance with the screen displayed on the display 204 in the authentication information receiving unit 809, the payment execution unit 811 makes a card payment request to the external payment server 132. Send. This card settlement request includes the card number and payment amount of the user who requests credit settlement in the external settlement server 132.

  Further, when receiving the authentication information, the settlement intermediary server 131 determines whether or not to perform the authentication process based on the transaction information registration date and status flag in the transaction information table 500 and the status flag, and performs the authentication process based on the determination result. Do it. For example, the settlement intermediary server 131 performs an authentication process based on the received authentication information when the date and time when the authentication information is received is within a predetermined time from the transaction information registration date and time corresponding to the corresponding authentication information. Alternatively, for example, when the status flag associated with the received authentication information indicates “processing”, the settlement intermediary server 131 performs an authentication process based on the received authentication information.

  For example, the settlement intermediary server 131 does not perform the authentication process when the date and time when the authentication information is received is the date and time when a predetermined time or more has elapsed from the transaction information registration date and time corresponding to the corresponding authentication information. Further, for example, the settlement intermediary server 131 does not perform the authentication process when the status flag associated with the received authentication information indicates “complete”.

  Thereafter, when the payment intermediary server 131 executes payment, the payment intermediary server 131 transmits a payment result notification indicating the result of executing the payment to at least one of the user terminal device 110 and the shop terminal device 120 (arrow in FIG. 55). 4660, 4670). Thereby, it is possible to inform the user or the store that the settlement has been completed.

  When the settlement result notification is transmitted only to the user terminal device 110 or only to the store terminal device 120, the received one (for example, the user) shows the received settlement result notification to the other (for example, the store clerk). The payment system 100 may be operated. The payment intermediary server 131 may transmit a payment result notification to both the user terminal device 110 and the store terminal device 120.

(Processing procedure of user terminal device 110)
Next, a processing procedure of the user terminal device 110 in the settlement system 100 according to the fifth embodiment of the present invention will be described. FIG. 56 is a flowchart showing a processing procedure of the user terminal device 110 in the settlement system 100 according to the fifth embodiment of the present invention. The process shown in the flowchart of FIG. 56 is executed in a state where the payment support application is activated in the user terminal device 110.

  In the flowchart of FIG. 56, first, the user terminal device 110 in the payment system 100 according to the fifth embodiment of the present invention determines whether or not input of payment intention information has been accepted (step S5601). When the input of payment intention information is not received (step S5601: No), it waits until the input of payment intention information is received.

  In step S5601, when input of payment intention information is accepted (step S5601: Yes), it is determined whether or not there is an instruction to transmit payment intention information that has been accepted (step S5602). If there is no instruction to send payment intention information (step S5602: No), it waits until there is an instruction to send payment intention information.

  On the other hand, if there is an instruction to send payment intention information in step S5602 (step S5602: Yes), the payment intention information received in step S5601: Yes is sent to the settlement intermediary server 131 (step S5603). ). And it is judged whether the transaction number transmitted from the payment mediation server 131 was received as a result of transmitting payment intention information (step S5604).

  In step S5604, when the transaction number transmitted from the settlement mediation server 131 is received (step S5604: Yes), the received transaction number is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 ( Step S5605). Thereafter, it is determined whether or not the transaction information transmitted from the settlement intermediary server 131 has been received (step S5606). When the transaction information transmitted from the payment intermediary server 131 has not been received (step S5606: No), it waits until it is received.

  In step S5606, it is determined whether or not a predetermined time has elapsed since the transaction number was displayed in step S5605, and transmitted from the settlement intermediary server 131 even if the predetermined time has elapsed since the transaction number was displayed in step S5605. If the received transaction information is not received, it may be determined that an error has occurred, and a predetermined error process may be performed. In this case, for example, a message such as “Please start again from the beginning” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S5606, when transaction information transmitted from the settlement intermediary server 131 is received as a result of displaying the transaction number in step S5605 (step S5606: Yes), confirmation information is displayed together with the transaction information received in step S5606: Yes. It is determined whether it has been received (step S5607). In step S5607, when confirmation information is not received with the transaction information received in step S5606: Yes (step S5607: No), step S5606: Yes is displayed on the display 204 provided in the smartphone that implements the user terminal device 110. The transaction information received in step S5608 is displayed (step S5608), and the process proceeds to step S5610. In step S5608, for example, the display screen 2600 is displayed on the display 204 included in the smartphone that implements the user terminal device 110.

  On the other hand, in step S5607, when confirmation information is received with the transaction information received in step S5606: Yes (step S5607: Yes), step S5606: Yes is displayed on the display 204 provided in the smartphone that implements the user terminal device 110. The transaction information received in step S3 and the confirmation information received together with the transaction information are displayed (step S5609), and the process proceeds to step S5610. In step S5609, for example, the display screen 3300 is displayed on the display 204 included in the smartphone that implements the user terminal device 110.

  In step S5610, it waits until the input of the personal identification information is accepted (step S5610: No), and when the input of the personal identification information is accepted (step S5610: Yes), is there an instruction to send the transaction number and personal identification information? It is determined whether or not (step S5611). If there is no transmission instruction for the transaction number and the identity verification information (step S5611: No), the process waits until the transmission instruction is received. If there is an instruction to send the transaction number and the identity verification information (step S5611: Yes), authentication information is generated (step S5612), and the generated authentication information is transmitted to the payment intermediary server 131 (step S5613). ).

  Then, it is determined whether or not the payment result notification transmitted from the payment intermediary server 131 is received for the authentication information transmitted in step S5613 (step S5614). When the settlement result notification transmitted from the settlement intermediary server 131 is received (step S5614: Yes), the settlement result is notified based on the received settlement result notification (step S5615), and the series of processing ends.

  If the payment result notification transmitted from the payment intermediary server 131 is not received in step S5614 (step S5614: No), it is determined whether or not a predetermined time has elapsed since the authentication information was transmitted in step S5613. (Step S5616). In step S5616, when the predetermined time has not elapsed since the authentication information was transmitted in step S5613 (step S5616: No), the process returns to step S5614.

  In step S5616, when a predetermined time has passed since the authentication information was transmitted in step S5613 (step S5616: Yes), a message prompting confirmation that the settlement has been completed is notified (step S5617). Terminate the process. In step S5617, for example, a message such as “Please confirm that payment has been completed correctly” or “Please check the payment result screen displayed on the store terminal device 120” is displayed on the user terminal device. 110 is displayed on the display 204 included in the smartphone that implements the network 110.

  If the transaction number transmitted from the settlement intermediary server 131 is not received in step S5604 (step S5604: No), it is determined whether or not a predetermined time has elapsed since the payment intention information was transmitted in step S5603. (Step S5618). In step S5618, when the predetermined time has not elapsed since the payment intention information was transmitted in step S5603 (step S5618: No), the process returns to step S5604.

  On the other hand, in step S5618, when a predetermined time has elapsed since the payment intention information was transmitted in step S5603 (step S5618: Yes), it is determined that an error has occurred, and predetermined error processing is performed (step S5619). In step S5619, for example, a message such as “Please start again from the beginning.” Is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

(Processing procedure of settlement mediation server 131)
Next, a processing procedure of the payment mediation server 131 in the payment system 100 according to the fifth embodiment of the present invention will be described. FIG. 57 is a flowchart showing a processing procedure of the payment intermediary server 131 in the payment system 100 according to the fifth embodiment of the present invention.

  In the flowchart of FIG. 57, first, the settlement intermediary server 131 in the settlement system 100 according to the fifth embodiment of the present invention determines whether or not the payment intention information transmitted from the user terminal device 110 has been received (step) S5701). When the payment intention information transmitted from the user terminal device 110 has not been received (step S5701: No), it waits until it is received.

  In step S5701, when the payment intention information transmitted from the user terminal device 110 is received (step S5701: Yes), a transaction number is generated (step S5702), and the generated transaction number is stored (step S5703). . In step S5703, the transaction number generated in step S5702 and the account number of the user of the user terminal device 110 that is the transmission source of payment intention information are associated with each other and stored in the transaction information table 500. And the transaction number produced | generated in step S5702 is transmitted with respect to the user terminal device 110 used as the transmission origin of the payment intention information received in step S5701: Yes (step S5704).

  Next, it is determined whether a transaction number, a store account number, and a payment amount have been received from the store terminal device 120 (step S5705). When the transaction number, the store account number, and the payment amount are received (step S5705: Yes), the transaction information table 500 is referred to based on the transaction number, the store account number, and the payment amount received in step S5705: Yes. Then, the account number of the corresponding user is extracted (step S5706).

  Then, the transaction information table 500 is updated based on the user account number extracted in step S5707 (step S5707). In step S5707, transaction information is generated based on the account number of the user extracted in step S5706, the transaction number transmitted from the user terminal device 110, and the remittance destination account specified by the transaction number. The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500 in a state where the number is associated.

  In step S5707, based on the received transaction number and the user's account number, it is determined whether or not to update the transaction information table 500 with reference to the transaction information registration date and time and the status flag in the transaction information table 500. To do. Specifically, in step S5707, for example, referring to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time included within a predetermined time from the transaction information registration date and time in the transaction information table 500, The transaction information table 500 is updated. Alternatively, specifically, in step S5707, for example, the status flag in the transaction information table 500 is referred to, and the transaction information table 500 is updated when the status flag in the transaction information table 500 indicates “processing”.

  Specifically, in step S5707, for example, referring to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time that has passed a predetermined time or more from the transaction information registration date and time in the transaction information table 500, A series of processes may be terminated without updating the transaction information table 500. Alternatively, specifically, in step S5707, for example, the status flag in the transaction information table 500 is referred to, and if the status flag in the transaction information table 500 indicates “complete”, the transaction information table 500 is not updated, and a series of Processing may be terminated.

  Next, based on the account information table 400, it is determined whether or not the store related to the store account number received in step S5705: Yes is an authorized store (step S5708). In step S5708, if the store associated with the store account number received in step S5705: Yes is an authorized store (step S5708: Yes), the user terminal corresponding to the user account number extracted in step S5706 The generated transaction information is transmitted to the device 110 (step S5709).

  On the other hand, in step S5708, when the store concerning the store terminal device ID received in step S5705: Yes is not an authorized store (step S5708: No), the usage corresponding to the user's account number extracted in step S5707. The generated transaction information and confirmation information are transmitted to person terminal device 110 (step S5710).

  Step S5705: The determination as to whether or not the store associated with the store account number received in Yes is an authorized store may be made until the transaction information is transmitted in Step S5709 or Step S5710. Step S5709 Or it is not restricted to what is performed just before transmitting transaction information in step S5710. For example, in step S5705: Yes, immediately after receiving the transaction number, the store account number, and the payment amount, it may be determined whether or not the store related to the received store terminal device ID is an authorized store. .

  Next, as a result of transmitting the transaction information in step S5709, or as a result of transmitting the transaction information and confirmation information in step S5710, it is determined whether or not the authentication information transmitted from the user terminal device 110 has been received (step S5711). ). When the authentication information transmitted from the user terminal device 110 is received (step S5711: Yes), the authentication process is executed based on the received authentication information (step S5712). The authentication process executed in step S5712 is the same as the authentication process in the various embodiments described above, and a description thereof will be omitted.

  Next, it is determined whether or not the authentication performed in step S5712 is OK, that is, whether or not the result of the authentication process executed based on the authentication information received in step S5711: Yes is permitted. (Step S5713). If the authentication is not OK (step S5713: NO), the process proceeds to step S5721.

  If the authentication is OK in step S5713 (step S5713: YES), it is determined whether or not the card number is included in the authentication information received in step S5711: YES (step S5714). Step S5711: If the card number is not included in the authentication information received in Yes (step S5714: No), it is associated with the corresponding account number based on the authentication information received in Step S5711: Yes. It is determined whether or not the account balance is equal to or greater than the payment amount (step S5715).

  In step S5715, when the account balance associated with the corresponding account number is greater than or equal to the payment amount (step S5715: Yes), the process proceeds to step S5718. On the other hand, in step S5715, when the account balance associated with the corresponding account number is not equal to or more than the payment amount (step S5715: No), the process proceeds to step S5721.

  In step S5714, if the card number is included in the authentication information received in step S5711: Yes (step S5714: Yes), a card payment request is transmitted to the external payment server 132 (step S5716). In response to the card payment request transmitted to the external payment server 132, whether or not there is a response indicating that the card payment in the external payment server 132 is OK (the external payment server 132 uses the card payment in the external payment server 132). It is determined whether or not a response indicating OK is returned (step S5717).

  In step S5717, when the external payment server 132 returns OK in response to the card payment request transmitted to the external payment server 132 (step S5717: Yes), the process proceeds to step S5718. On the other hand, in response to the card payment request transmitted to the external payment server 132, the external payment server 132 does not return OK (a response indicating that the external payment server 132 cannot perform card payment in the external payment server 132). (Step S5717: No), the process proceeds to Step S5721.

  In step S5718, settlement is executed based on the result of the authentication process (step S5718). In step S5718, for example, in the case of going through step S5714: Yes, settlement is executed by transferring funds between the user's account and the store's account. In step S5718, for example, if step S5716: Yes, the communication is performed with the external settlement server 132, and the settlement is executed by acquiring the result of the settlement process in the external settlement server 132.

  In step S5711: Yes, a payment result notification indicating the result of the payment executed in step S5718 is transmitted to the user terminal device 110 that is the transmission source of the authentication information received in Yes (step S5719). Terminate the process. In step S5716, the status flag of the corresponding transaction information in the transaction information table 500 is updated to “completed”. The status flag updated in step S5719 does not indicate only “processing” and “completed”. For example, when a series of processing ends with an error as in step S5721 described later, “error” is displayed. It may be shown.

  On the other hand, in step S5711, as a result of transmitting the transaction information in step S5709 or as a result of transmitting the transaction information and confirmation information in step S5710, the authentication information transmitted from the user terminal device 110 has not been received (step S5711). : No) determines whether or not a predetermined time has elapsed since the transaction information was transmitted in step S5709 or the transaction information and confirmation information was transmitted in step S5710 (step S5720). If the predetermined time has not elapsed (step S5720: NO), the process returns to step S5711.

  In step S5720, when a predetermined time has elapsed since the transaction information was transmitted in step S5710 (step S5720: Yes), it is determined that the user has not been authenticated or a communication error has occurred, and the process Predetermined error processing such as notification of completion or error notification is performed (step S5721), and the series of processing ends. The error process executed in step S5721 is the same as the error process in the first embodiment described above, and a description thereof will be omitted.

  If the transaction number, the store account number, and the payment amount have not been received from the store terminal device 120 in step S5705 (step S5705: No), whether or not a predetermined time has elapsed since the transaction number was transmitted in step S5704. Is determined (step S5722). In step S5722, if the predetermined time has not elapsed since the transaction number was transmitted in step S5704 (step S5722: No), the process returns to step S5705. On the other hand, in step S5722, when a predetermined time has elapsed since the transaction number was transmitted in step S5704 (step S5722: Yes), the process proceeds to step S5721.

  As described above, the settlement system 100 according to the fifth embodiment of the present invention generates a transaction number for the payment intention information received from the user terminal device 110, the generated transaction number, and the user The account number of the user of the terminal device 110 is associated and stored in the transaction information table 500, and the generated transaction number is transmitted to the user terminal device 110. And if the account number of the store in which the store terminal device 120 into which the transmitted transaction number, payment amount, and the transaction number are input is received from the store terminal device 120, the user corresponding to the received transaction number Are extracted from the transaction information table 500.

  Further, based on the account information table 400, it is determined (official determination) whether or not the store related to the store account number received from the store terminal device 120 is an authorized store. As a result of the determination (official determination), when it is determined that the store is an authorized store, the transaction information is transmitted to the user terminal device 110. On the other hand, as a result of the aforementioned determination (official determination), if it is determined that the store is not an authorized store, transaction information and confirmation information are transmitted to the user terminal device 110 to the user terminal device 110.

  Thereafter, when authentication information for the transmitted transaction information is received from the user terminal device 110, authentication processing is performed based on the received authentication information, settlement is performed according to the result of the authentication processing, and the settlement is performed. This is notified to at least one of the user terminal device 110 and the store terminal device 120.

  According to the settlement system 100 of the fifth embodiment of the present invention, when the store where the user intends to conduct a transaction by card settlement is not an authorized store, the display screen 3300 based on the confirmation information in the user terminal device 110. By displaying the above, it is possible to make the user himself / herself confirm whether or not to perform payment using the payment system 100 in a store that is not an authorized store before confirming the execution of the payment. As a result, it is possible to improve the safety and reliability in settlement using settlement means instead of cash while maintaining high convenience for the user.

  Further, according to the settlement system 100 of the fifth embodiment of the present invention, for example, by using a settlement unit that replaces cash such as a credit card or a debit card, it is highly convenient to perform settlement using these settlement units. The personal information of the user can be settled by the face-to-face sales method without being known to a third party such as the store (the store clerk). As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

((Embodiment 6))
Next, a settlement system 100 according to the sixth embodiment of the present invention will be described. In the sixth embodiment, the same parts as those in the first to fifth embodiments described above are denoted by the same reference numerals, and description thereof is omitted. The payment intermediary server 131 in the payment system 100 according to the sixth embodiment of the present invention includes a payable account table 3600 in addition to various data tables such as an account information table and a transaction information table.

(Functional configuration of payment system 100)
FIG. 58 is a block diagram showing a functional configuration of each part constituting the settlement system 100 according to the sixth embodiment of the present invention. 58, each function of the settlement intermediary server 131 in the settlement system 100 according to the sixth embodiment of the present invention includes an account information table 400, a payable account table 3600, a payment intention information receiving unit 4501, and a transaction number generation. Unit 803, storage unit 804, transaction number transmission unit 805, transaction number reception unit 806, trust determination unit (authorization determination unit) 5801, extraction unit 807, transaction information transmission unit 808, and authentication information reception unit 809, an authentication processing unit 810, a settlement execution unit 811, and a notification unit 812.

  Account information table 400, payable account table 3600, payment intention information receiving unit 4501, transaction number generating unit 803, storage unit 804, transaction number transmission for realizing each function of settlement intermediary server 131 of the sixth embodiment according to the present invention Unit 805, transaction number reception unit 806, trust determination unit 5801, extraction unit 807, transaction information transmission unit 808, authentication information reception unit 809, authentication processing unit 810, settlement execution unit 811 and notification unit 812 It can be realized by each unit provided in a computer device that realizes the external settlement server 132.

  Based on the account information table 400 and the payable account table 3600, the trust determination unit 5801 determines whether or not the store related to the store terminal device ID received by the transaction number receiving unit 806 is a trust store. Each time the transaction amount receiving unit 806 receives the payment amount, the trust determination unit 5801 determines whether or not the store related to the store terminal device ID received by the transaction number receiving unit 806 together with the payment amount is a trust store. to decide.

  The extraction unit 807 extracts the user terminal device ID corresponding to the transaction number received by the trust determination unit trusted store transaction number receiving unit 806 from the storage unit 804. The extraction unit 807 refers to the trust determination unit trust store transaction information table 500 and extracts the user terminal device ID corresponding to the transaction number received by the transaction number receiving unit 806 from the transaction information table 500.

(Processing procedure of payment system 100)
Next, a processing procedure of the settlement system 100 according to the sixth embodiment of the present invention will be described. FIG. 59 is an explanatory diagram showing a processing procedure of the settlement system 100 according to the sixth embodiment of the present invention.

  59, in the payment using the payment system 100 according to the sixth embodiment of the present invention, payment intention information is transmitted from the user terminal device 110 to the payment intermediary server 131 (see an arrow 4610 in FIG. 59). reference). When the payment intermediary server 131 receives payment intention information from the user terminal device 110, it generates a transaction number. The generated transaction number and the received user account number are stored in the transaction information table 500 in association with each other.

  Next, the settlement intermediary server 131 transmits the generated transaction number to the user terminal device 110 that is the transmission source of the payment intention information (see arrow 4620 in FIG. 59). When receiving the transaction number transmitted from the payment intermediary server 131, the user terminal device 110 generates a QR code 1310 indicating the received transaction number, and displays the generated QR code 1310.

  The store (the store clerk) inputs the transaction number to the store terminal device 120 by reading the QR code 1310 displayed on the user terminal device 110. The shop terminal device 120 transmits the transaction number input by reading the QR code 1310 to the settlement mediation server 131 (see arrow 4630 in FIG. 59). In addition to the transaction number, the store terminal device 120 transmits the payment amount and the account number of the store where the store terminal device 120 is installed to the payment intermediary server 131. The payment amount is input by, for example, a store (clerk) prior to transmission of the transaction number, payment amount, and store account number by the store terminal device 120. Either the transaction number or the payment amount may be input first.

  When receiving the transaction number, payment amount, and store account number transmitted from the store terminal device 120, the settlement intermediary server 131 extracts the account number of the user corresponding to the received transaction number from the transaction information table 500. . Then, based on the account information table 400 and the payable account table 3600, the settlement intermediary server 131 determines whether or not the store related to the received store account number is a trusted store.

  When the store related to the received account number of the store is a trusted store as a result of the above determination, the settlement intermediary server 131 determines the user terminal device 110 specified by the extracted user account number, Transaction information including the received payment amount and store information relating to the store account number is transmitted (see arrow 5910 in FIG. 59). Further, when the settlement intermediary server 131 receives the transaction number, payment amount and store account number transmitted from the store terminal device 120, the received transaction number is associated with the remittance destination account number specified by the transaction number. In this state, the information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500.

  Upon receiving the transaction information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information. The user confirms the store name and the payment amount, and inputs the person confirmation information when executing settlement. When the user confirmation information is input, the user terminal device 110 transmits authentication information for the transaction information received by the user terminal device 110 to the payment intermediary server 131 (see an arrow 5920 in FIG. 59).

  When receiving the authentication information, the settlement intermediary server 131 performs an authentication process based on the received authentication information, and executes a settlement based on the result of the authentication process. When executing the settlement, the settlement intermediary server 131 performs the settlement by transferring funds between the accounts based on the information stored in the account information table 400. Further, when executing the payment, a part of the payment in the payment system 100 may be executed in the external payment server 132 by appropriately communicating with the external payment server 132 (see the arrow 1820 in FIG. 59). ).

  Thereafter, when the payment intermediary server 131 executes payment, the payment intermediary server 131 transmits a payment result notification indicating the result of executing the payment to at least one of the user terminal device 110 and the shop terminal device 120 (arrow in FIG. 59). 4660, 4670). Thereby, it is possible to inform the user or the store that the settlement has been completed.

  When the settlement result notification is transmitted only to the user terminal device 110 or only to the store terminal device 120, the received one (for example, the user) shows the received settlement result notification to the other (for example, the store clerk). The payment system 100 may be operated. The payment intermediary server 131 may transmit a payment result notification to both the user terminal device 110 and the store terminal device 120.

  If it is determined that the store related to the received store terminal device ID is not a trusted store as a result of the above determination, the settlement intermediary server 131 interrupts the subsequent processing and is specified by the extracted user terminal device ID. The interruption notification is transmitted to the user terminal device 110 (see the arrow 5930 in FIG. 59). When the user terminal device 110 receives the interruption notification, based on the received interruption notification, the store name designated by the user or “above the following store is not registered as a payee” above the store name. A message such as “I cannot pay” is displayed (see display screen 4200 in FIG. 42). Note that the interruption notification may also be transmitted to the store terminal device 120.

(Processing procedure of user terminal device 110)
Next, a processing procedure of the user terminal device 110 in the settlement system 100 according to the sixth embodiment of the present invention will be described. FIG. 60 is a flowchart showing a processing procedure of the user terminal device 110 in the payment system 100 according to the sixth embodiment of the present invention. The process shown in the flowchart of FIG. 60 is executed in a state where the payment support application is activated in the user terminal device 110.

  In the flowchart of FIG. 60, first, the user terminal device 110 in the payment system 100 according to the sixth embodiment of the present invention determines whether or not input of payment intention information has been accepted (step S6001). When the input of payment intention information is not received (step S6001: No), it waits until the input of payment intention information is received.

  In step S6001, when the input of payment intention information is accepted (step S6001: Yes), it is determined whether or not there is an instruction to transmit the payment intention information accepted (step S6002). If there is no instruction to send payment intention information (step S6002: No), the process waits until there is an instruction to send payment intention information.

  On the other hand, if there is an instruction to send payment intention information in step S6002 (step S6002: Yes), the payment intention information accepted in step S6001: Yes is sent to the settlement intermediary server 131 (step S6003). ). And it is judged whether the transaction number transmitted from the payment mediation server 131 was received as a result of transmitting payment intention information (step S6004). In step S6004, when the transaction number transmitted from the settlement intermediary server 131 is not received (step S6004: No), the process waits until the transaction number transmitted from the settlement intermediation server 131 is received.

  In step S6004, when the transaction number transmitted from the settlement mediation server 131 is received (step S6004: Yes), the received transaction number is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 ( Step S6005). Thereafter, it is determined whether or not the transaction information transmitted from the settlement mediation server 131 has been received (step S6006).

  In step S6006, it is determined whether or not a predetermined time has elapsed since the transaction number was displayed in step S6005, and transmitted from the settlement intermediary server 131 even if the predetermined time has elapsed since the transaction number was displayed in step S6005. If the received transaction information is not received, it may be determined that an error has occurred, and a predetermined error process may be performed. In this case, for example, a message such as “Please start again from the beginning” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S6006, when transaction information transmitted from the settlement intermediary server 131 is received as a result of displaying the transaction number in step S6005 (step S6006: Yes), the display 204 provided in the smartphone that implements the user terminal device 110 is displayed. Step S6006: The transaction information received in Yes is displayed (Step S6007).

  Next, it waits until the input of identity verification information is accepted (step S6008: No). When the input of identity verification information is accepted (step S6008: Yes), whether or not there has been an instruction to send the transaction number and the identity verification information. Is determined (step S6009). When there is no transmission instruction for the transaction number and the identity verification information (step S6009: No), the process waits until the transmission instruction is received. When there is an instruction to send the transaction number and the identity verification information (step S6009: Yes), authentication information is generated (step S6010), and the generated authentication information is transmitted to the payment intermediary server 131 (step S6011). ).

  Then, it is determined whether or not the settlement result notification transmitted from the settlement mediation server 131 has been received (step S6012). When the payment result notification transmitted from the payment intermediary server 131 is received (step S6012: Yes), the payment result is notified based on the received payment result notification (step S6013), and the series of processes is terminated.

  If the payment result notification transmitted from the payment intermediary server 131 has not been received in step S6012 (step S6012: No), it is determined whether or not a predetermined time has elapsed since the authentication information was transmitted in step S6011. (Step S6014). If the predetermined time has not elapsed since the authentication information was transmitted in step S6011 (step S6012: NO), the process returns to step S6012.

  In step S6014, when a predetermined time has elapsed since the authentication information was transmitted in step S6011 (step S6014: Yes), a message prompting confirmation that payment has been completed is notified (step S6015), Terminate the process. In step S6015, for example, a message such as “Please confirm that payment has been correctly completed” or “Please check the payment result screen displayed on the store terminal device 120” is displayed on the user terminal device. 110 is displayed on the display 204 included in the smartphone that implements the network 110.

  In step S6006, when the transaction information transmitted from the settlement intermediary server 131 has not been received (step S6006: No), it is determined whether an interruption notification has been received (step S6016). In step S6016, when the interruption notification is received (step S6016: Yes), the interruption of the settlement is notified based on the received interruption notification (step S6017), and the series of processing ends. In step S6017, for example, based on the interruption notification received in step S6106: Yes, the interruption of settlement is notified by displaying the display screen 4200 described above.

  On the other hand, if no interruption notification has been received in step S6016 (step S6016: No), it is determined whether or not a predetermined time has elapsed since the payment intention information was transmitted in step S6003 (step S6018). If the predetermined time has not elapsed since the payment intention information was transmitted in step S6003 (step S6018: No), the process returns to step S6006.

  On the other hand, in step S6018, when a predetermined time has elapsed since the payment intention information was transmitted in step S6003 (step S6018: Yes), it is determined that an error has occurred and predetermined error processing is performed (step S6019). In step S6019, for example, a message such as “Please start again from the beginning” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

(Processing procedure of settlement mediation server 131)
Next, a processing procedure of the payment intermediary server 131 in the payment system 100 according to the sixth embodiment of the present invention will be described. FIG. 61 is a flowchart showing a processing procedure of the payment intermediary server 131 in the payment system 100 according to the sixth embodiment of the present invention.

  In the flowchart of FIG. 61, first, the payment intermediary server 131 in the payment system 100 according to the sixth embodiment of the present invention determines whether or not the payment intention information transmitted from the user terminal device 110 has been received (step) S6101). If the payment intention information transmitted from the user terminal device 110 has not been received (step S6101: No), the process waits until it is received.

  In step S6101, when the payment intention information transmitted from the user terminal device 110 is received (step S6101: Yes), a transaction number is generated (step S6102), and the generated transaction number is stored (step S6103). . In step S6103, the transaction number generated in step S6102 is associated with the account number of the user of user terminal device 110 that is the transmission source of payment intention information, and stored in transaction information table 500. And the transaction number produced | generated in step S6102 is transmitted with respect to the user terminal device 110 used as the transmission origin of the payment intention information received in step S6101: Yes (step S6104).

  Next, it is determined whether or not a transaction number, a store account number, and a payment amount have been received from the store terminal device 120 (step S6105). When the transaction number, the store account number, and the payment amount are received (step S6105: Yes), the transaction information table 500 is referred to based on the transaction number, the store account number, and the payment amount received in step S6105: Yes. Then, the account number of the corresponding user is extracted (step S6106).

  Then, the transaction information table 500 is updated based on the user account number extracted in step S6107 (step S6107). In step S6108, transaction information is generated based on the user account number extracted in step S6107, the transaction number transmitted from the user terminal device 110, and the remittance destination account specified by the transaction number. The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500 in a state where the number is associated.

  Next, based on the account information table 400 and the payable account table 3600, it is determined whether or not the store related to the store account number received in step S6105: Yes is a trusted store (step S6108). In step S6108, when the store related to the account number of the store received in step S6105: Yes is a trusted store (step S6108: Yes), the user terminal device related to the user's account number extracted in step S6106 The generated transaction information is transmitted to 110 (step S6109).

  Then, as a result of transmitting the transaction information in step S6109, it is determined whether or not the authentication information transmitted from the user terminal device 110 has been received (step S6110). When the authentication information transmitted from the user terminal device 110 is received (step S6110: Yes), the authentication process is executed based on the received authentication information (step S6111). The authentication process executed in step S6111 is the same as the authentication process in the first embodiment, and a description thereof will be omitted.

  Next, whether or not the authentication performed in step S6111 is OK, that is, whether or not the result of the authentication process executed based on the authentication information received in step S6110: Yes is permitted (authentication is OK). It is determined whether or not (step S6112). When the authentication is not OK (step S6112: No), the process proceeds to step S6118.

  In step S6112, if the authentication is OK (step S6112: YES), it is determined whether or not the card number is included in the authentication information received in step S6110: YES (step S6113). If the card number is not included in the authentication information received in step S6110: Yes (step S6113: No), it is associated with the corresponding account number based on the authentication information received in step S6110: Yes. It is determined whether or not the account balance is equal to or greater than the payment amount (step S6114).

  In step S6114, when the account balance associated with the corresponding account number is equal to or greater than the payment amount (step S6114: Yes), the process proceeds to step S6117. On the other hand, in step S6114, if the account balance associated with the corresponding account number is not equal to or greater than the payment amount (step S6114: No), the process proceeds to step S6120.

  In step S6113, if the card number is included in the authentication information received in step S6110: Yes (step S6113: Yes), a card payment request is transmitted to the external payment server 132 (step S6115). In response to the card payment request transmitted to the external payment server 132, whether or not there is a response indicating that the card payment in the external payment server 132 is OK (the external payment server 132 uses the card payment in the external payment server 132). It is determined whether or not a response indicating OK is returned (step S6116).

  If the external payment server 132 returns OK to the card payment request transmitted to the external payment server 132 in step S6116 (step S6116: Yes), the process proceeds to step S6117. On the other hand, in response to the card payment request transmitted to the external payment server 132, the external payment server 132 does not return OK (a response indicating that the external payment server 132 cannot perform card payment in the external payment server 132). (Step S6116: No), the process proceeds to Step S6120.

  In step S6117, settlement is executed based on the result of the authentication process (step S6117). In step S6117, for example, in the case of going through step S6114: Yes, settlement is executed by transferring funds between the user's account and the store's account. Further, in step S6117, for example, in the case of going through step S6116: Yes, communication is performed with the external payment server 132, and the payment is executed by acquiring the result of the payment processing in the external payment server 132.

  Thereafter, a payment result notification indicating the result of the payment executed in step S6117 is transmitted to the user terminal device 110 that is a transmission source of the authentication information received in step S6110: Yes (step S6118), and a series of steps. Terminate the process.

  In step S6118, the status flag of the corresponding transaction information in the transaction information table 500 is updated to “completed”. The status flag updated in step S6118 does not indicate only “processing” and “completed”. For example, when a series of processing ends with an error as in step S6120 described later, “error” is set. It may be shown.

  On the other hand, if the authentication information transmitted from the user terminal device 110 is not received as a result of transmitting the transaction information in step S6109 in step S6110 (step S6110: No), the transaction information is transmitted in step S6109. It is determined whether or not a predetermined time has elapsed (step S6119). If the predetermined time has not elapsed (step S6119: No), the process returns to step S6110.

  In step S6119, when a predetermined time has elapsed since the transaction information was transmitted in step S6109 (step S6119: Yes), it is determined that the user has not been authenticated or a communication error has occurred, and the process Predetermined error processing such as notification of completion or error notification is performed (step S6120), and the series of processing ends.

  In step S6120, for example, if step S6114: No is passed, an error message indicating that payment cannot be made because the account balance associated with the corresponding account number is not equal to or greater than the payment amount is displayed in step S6110: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information received in step S1 is performed.

  In step S6120, for example, if step S6116: No is passed, an error message indicating that the external payment server 132 cannot perform card payment in the external payment server 132 is received in step S6110: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information is performed.

  In step S6108, if the store associated with the store terminal device ID received in step S6105: Yes is not a trusted store (step S6108: No), the user who is the sender of the authentication information received in step S6110: Yes An interruption notification is transmitted to the terminal device 110 (step S6121), and the series of processing ends.

  In step S6105, if the transaction number, the store account number, and the payment amount have not been received from the store terminal device 120 (step S6105: No), whether or not a predetermined time has elapsed since the transaction number was transmitted in step S6104. Is determined (step S6122).

  In step S6122, when the predetermined time has not elapsed since the transaction number was transmitted in step S6104 (step S6122: No), the process returns to step S6105. On the other hand, in step S6122, when a predetermined time has elapsed since the transaction number was transmitted in step S6104 (step S6122: Yes), the process proceeds to step S6120.

(Processing procedure of store terminal device 120)
The store terminal apparatus 120 in the payment system 100 according to the sixth embodiment of the present invention, when making a payment via the payment intermediary server 131, the store terminal apparatus 120 in the payment system 100 according to the fifth embodiment shown in FIG. 53 described above. The same processing as that executed by is executed.

  As described above, the settlement system according to the sixth embodiment of the present invention generates a transaction number for the payment intention information received from the user terminal device 110, and generates the generated transaction number and the user account. The number is associated and stored in the transaction information table 500, and the generated transaction number is transmitted to the user terminal device 110. Then, when the transmitted transaction number, payment amount, and the account number of the store where the transaction number is input are received from the store terminal device 120, the received transaction number is received based on the account information table 400 and the payable account table 3600. It is determined whether or not the store associated with the store account number is a trusted store. Further, the user's account number corresponding to the received transaction number is extracted from the transaction information table 500.

  As a result of the above determination, when it is determined that the store is a trusted store, the transaction information is transmitted to the user terminal device 110. When the authentication information for the transmitted transaction information is received, the authentication process is performed based on the received authentication information, the settlement is performed according to the result of the authentication process, and the user confirms that the settlement has been performed. It is characterized by notifying at least one of the terminal device 110 and the shop terminal device 120. Further, the payment system according to the sixth embodiment of the present invention provides a user terminal that, when it is determined that the store is not a trust store as a result of the determination, the process is interrupted because the store is not a trust store. The notification is made to the device 110.

According to the settlement system 100 of the sixth embodiment of the present invention, it is determined whether or not the store is a trusted store based on the account information table 400 and the payable account table 3600, so Even if the store is not registered, payment using the payment system 100 can be performed if the store is registered in the payable account table 3600 as a trusted store. As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  Further, according to the payment system 100 of the sixth embodiment of the present invention, for example, by using a payment means instead of cash such as a credit card or a debit card, a high convenience is obtained by performing payment using these payment means. The personal information of the user can be settled by the face-to-face sales method without being known to a third party such as the store (the store clerk). As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  In the payment systems 100 of the various embodiments 1 to 6 described above, various processes related to payment are executed by directly inputting the store account number and the user account number to the corresponding terminal devices 110 and 120. However, the execution method of various processes related to settlement is not limited to this. For example, when a terminal information table (not shown) that stores a store terminal device ID and a specific account number in association with each other is provided in the payment intermediary server 131 and the store terminal device 120 logs into the payment intermediation server 131, The store terminal device 120 may be made to declare an account number as a login destination.

  In this case, specifically, for example, in the store terminal device 120, when the store terminal device 120 performs an operation of logging in to the payment intermediary server 131, an account number that is a login destination of the store terminal device 120 is input. Let Then, the store terminal device 120 transmits the account number as the login destination and the store terminal device ID of the store terminal device 120 to the settlement intermediary server 131.

  Based on the account number, the store terminal device ID, and the terminal information table transmitted from the store terminal device 120, the settlement intermediary server 131 determines that the account number to which the store terminal device 120 is to log in is the store terminal device 120. It is judged whether it is a specific account number associated with the store terminal device ID. And when the account number which the shop terminal device 120 is going to log in is not the specific account number associated with the shop terminal device ID of the shop terminal device 120, the login of the shop terminal device 120 is not permitted. To do.

  As described above, when the store terminal device 120 that accepts payment from the user logs in to the payment intermediary server 131, the store terminal device 120 declares a specific account number to which the store terminal device 120 can log in, and the account that has been declared By making payment using the payment system 100 only when the number is a regular account number, it is possible to prevent an unauthorized account number other than the regular account number from being deposited (impersonation of a store). be able to.

  Then, in addition to limiting the log-in of the store terminal device 120 as described above, by further performing payment using the payment system 100 of the various embodiments 1 to 6, cash is maintained while maintaining high convenience. Thus, it is possible to further improve the safety and reliability in the settlement using the settlement means instead of.

  The settlement methods described in the first to sixth embodiments can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a hard disk, a flexible disk, a CD-ROM, an MO, and a DVD, and is executed by being read from the recording medium by the computer. The program may be a transmission medium that can be distributed via a network such as the Internet.

  As described above, the settlement server and the settlement system according to the present invention are useful for a settlement server and a settlement system used for settlement using a settlement means that replaces cash, and in particular, meet using a settlement means that replaces cash. It is suitable for a payment server and a payment system used for payments made by a sales method.

DESCRIPTION OF SYMBOLS 100 Payment system 110 User terminal device 110a Input unit 110b Display unit 120 Store terminal device 120a Display unit 120b Input unit 131 Settlement mediation server 132 External settlement server 801 Payment amount receiving unit 802 Approved judgment unit 803 Transaction number generation unit 804 Storage unit 805 Transaction number transmission unit 806 Transaction number reception unit 807 Extraction unit 808 Transaction information transmission unit 809 Authentication information reception unit 810 Authentication processing unit 811 Settlement execution unit 812 Notification unit 3101 Certified judgment unit 3600 Payable account table 4001 Transaction information transmission unit 4002 Suspension notification Part 4501 payment intention information receiving part 4502 authorized judgment part 4503 suspension notification part 5401 authorized judgment part 5402 transaction information sending part 5801 authorized judgment part

Claims (8)

A payment server to which a user terminal device of a user and a store terminal device of a store are connectable,
For each store identification information of the store where the store terminal device is installed, an authorized determination database that stores and associates authorized information indicating whether or not the store is an authorized store registered in advance,
A payment amount receiving means for receiving from the store terminal device a payment amount to be paid by the user to the store;
Transaction number generating means for generating a transaction number for the payment amount received by the payment amount receiving means;
Storage means for associating the transaction number generated by the transaction number generation means with the payment amount and the store identification information of the store where the store terminal device is installed, in a predetermined storage medium;
Transaction number transmitting means for transmitting the transaction number generated by the transaction number generating means to the store terminal device;
A transaction number receiving means for receiving the transaction number transmitted by the transaction number transmitting means, and the user identification information of the user of the user terminal device to which the transaction number is input, from the user terminal device;
An extraction means for extracting the payment amount and store identification information corresponding to the transaction number received by the transaction number receiving means from the predetermined storage medium;
Based on the authorized determination database, an authorized determination means for determining whether or not the store related to the store identification information extracted by the extracting means is an authorized store;
When the authorized judgment means determines that the store is an authorized store, the transaction information including the payment amount extracted by the extraction means and the store information related to the store identification information is transmitted to the user terminal device, and Transaction information transmitting means for transmitting the transaction information and information indicating that the store is not an authorized store to the user terminal device when it is determined by the authorized determination means that the store is not an authorized store;
Authentication information receiving means for receiving authentication information for the transaction information from the user terminal device;
Authentication processing means for performing authentication processing based on the authentication information received by the authentication information receiving means;
Payment execution means for executing payment when the authentication processing is performed by the authentication processing means;
Notification means for notifying at least one of the user terminal device and the store terminal device that the payment has been executed by the payment execution means;
A settlement server characterized by comprising: The store terminal device includes display means for displaying a transaction number transmitted from the settlement server,
The settlement server according to claim 1, wherein the user terminal device includes an input unit that inputs a transaction number displayed on a display unit of the store terminal device.   The storage means associates the transaction number with the payment amount and the store identification information of the store where the store terminal device is installed, and stores it in a predetermined storage medium together with its registration date and time.
  The transaction information transmitting means refers to the registration date and time, and when the transaction date and time when the transaction number and the user identification number are received by the transaction number receiving means has passed a predetermined time or more from the registration date and time, the transaction information The payment server according to claim 2, wherein the payment server is not transmitted to the user terminal device. A payment server to which a user terminal device of a user and a store terminal device of a store are connectable,
For each store, an authorized determination database that stores and associates authorized information indicating whether the store is an authorized store registered in advance,
Payment intention information receiving means for receiving payment intention information related to payment intention from the user to the store from the user terminal device;
Transaction number generating means for generating a transaction number for the payment intention information received by the payment intention information receiving means;
Storage means for associating the transaction number generated by the transaction number generation means with the user identification information of the user of the user terminal device and storing it in a predetermined storage medium;
Transaction number transmitting means for transmitting the transaction number generated by the transaction number generating means to the user terminal device;
From the store terminal device, the transaction number transmitted by the transaction number transmitting means, the payment amount paid by the user to the store, and the store identification information of the store where the store terminal device into which the transaction number is input are installed. A transaction number receiving means for receiving;
Extracting means for extracting user identification information corresponding to the transaction number received by the transaction number receiving means from the predetermined storage medium;
Based on the authorized determination database, an authorized determination means for determining whether or not the store according to the store identification information received by the transaction number receiving means is an authorized store;
Transaction information including the user information related to the user identification information extracted by the extraction means and the payment amount received by the transaction number receiving means when the authorized determination means determines that the store is an authorized store. Transaction that transmits to the user terminal device and transmits the transaction information and information indicating that the store is not an authorized store to the user terminal device when the authorized determination means determines that the store is not an authorized store Information transmission means;
Authentication information receiving means for receiving authentication information for the transaction information from the user terminal device;
When the authentication information is received by the authentication information receiving means, based on the user information related to the user identification information extracted by the extracting means and the information received by the transaction number receiving means, the user Authentication processing means for performing the authentication processing;
Payment execution means for executing payment when the authentication processing is performed by the authentication processing means;
Notification means for notifying at least one of the user terminal device and the store terminal device that the payment has been executed by the payment execution means;
A settlement server characterized by comprising: The user terminal device includes display means for displaying a transaction number transmitted from the payment server,
5. The settlement server according to claim 4 , wherein the store terminal device includes an input unit that inputs a transaction number displayed on a display unit of the user terminal device. The official determination database, for each user, any claim 1-5, characterized in that in association with the official information relating to the arbitrary store and pre-registered specified store by the user The payment server as described in one. The settlement server according to any one of claims 1 to 6 , wherein the settlement execution unit transfers a payment amount of money from a user account provided in advance to an account of the store. A payment system comprising: the payment server according to any one of claims 1 to 7, the user terminal device, and the store terminal device.

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