JP6917955B2 - Information processing equipment, information processing methods, information processing programs, and programs - Google Patents

Description

The present invention relates to an information processing apparatus, an information processing method, an information processing program, and a program.

Conventionally, a technique for performing electronic payment processing using a user's mobile terminal has been provided. For example, a technique has been proposed in which a code including seller identification information for identifying a seller of a product is read by a user's terminal device and payment processing is performed based on a purchase amount determined by the user.

Japanese Patent No. 6208386

However, in the above-mentioned conventional technique, there is room for improvement in terms of improving convenience in payment processing. For example, in the above-mentioned prior art, when a user mistakenly performs a payment process, the user can only request the cancellation of the payment process by pressing the "cancel" button provided for each payment process. There was room for improvement in terms of convenience in.

The present application has been made in view of the above, and an object of the present application is to provide an information processing device, an information processing method, an information processing program, and a program capable of improving convenience in payment processing.

The information processing device according to the present application is a payment cancellation request specified by a user and information held by a payee in the payment, which is information for the payee to authenticate the cancellation of the payment. It is characterized by including a reception unit that receives from the terminal device used by the user, and an execution unit that performs the payment cancellation process when the cancellation request and the authentication information are received by the reception unit. And.

According to one aspect of the embodiment, there is an effect that convenience in payment processing can be improved.

FIG. 1 is a diagram showing an example of information processing according to an embodiment. FIG. 2 is a diagram showing a configuration example of an information processing system according to an embodiment. FIG. 3 is a diagram showing a configuration example of the terminal device according to the embodiment. FIG. 4 is a diagram showing an example of the terminal device according to the embodiment. FIG. 5 is a diagram showing a configuration example of the information processing device according to the embodiment. FIG. 6 is a diagram showing an example of the store information storage unit according to the embodiment. FIG. 7 is a diagram showing an example of a payment information storage unit according to an embodiment. FIG. 8 is a diagram showing an example of the terminal device according to the embodiment. FIG. 9 is a flowchart showing an example of the information processing procedure according to the embodiment. FIG. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device.

Hereinafter, the information processing apparatus, the information processing method, the information processing program, and the mode for executing the program (hereinafter referred to as “the embodiment”) according to the present application will be described in detail with reference to the drawings. Note that this embodiment does not limit the information processing apparatus, information processing method, information processing program, and program according to the present application. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

[1. An example of information processing]
The information processing realized by the information processing apparatus and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of information processing according to an embodiment. In the example shown in FIG. 1, the information processing device 100 shows an example in which the user U1 executes the settlement cancellation process performed on the store A. In the example of FIG. 1, it is assumed that the store A is an actual store. Further, in the example of FIG. 1, it is assumed that the user U1 pays to the store A by using the payment agency service provided by the information processing device 100. Further, in the example of FIG. 1, the user U1 inputs the payment amount (payment amount) to the store A into the terminal device 10, and the input payment amount is electronically settled (for example, card payment using a credit card, electronic money). Payment shall be made to store A by payment used, etc.).

[Configuration of information processing system]
Prior to the description of FIG. 1, the configuration of the information processing system 1 will be described with reference to FIG. FIG. 2 is a diagram showing a configuration example of an information processing system according to an embodiment. As shown in FIG. 2, the information processing system 1 according to the embodiment includes a terminal device 10, a store terminal 20, and an information processing device 100. The terminal device 10, the store terminal 20, and the information processing device 100 are connected to each other via a network N so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The information processing system 1 shown in FIG. 2 may include a plurality of terminal devices 10, a plurality of store terminals 20, and a plurality of information processing devices 100.

The terminal device 10 is an information processing device used by the user. The terminal device 10 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the terminal device 10 transmits a payment request (settlement request) to each store to the information processing device 100. Further, the terminal device 10 displays the information distributed by the information processing device 100 by a web browser or an application. Further, when the terminal device 10 receives the control information from the information processing device 100 that realizes the display processing of the information distributed by the information processing device 100, the terminal device 10 realizes the display processing according to the control information. In the example shown in FIG. 1, the terminal device 10 shows a case where the terminal device 10 is a smart device such as a smartphone or a tablet used by a user. Further, in the example shown in FIG. 1, it is assumed that the terminal device 10 has an output unit (hereinafter, may be referred to as a screen) such as a liquid crystal display, and a touch panel is adopted. That is, the user performs various operations of the terminal device 10 by touching the display surface of the output unit with a finger or a dedicated pen. The configuration of the terminal device 10 will be described later.

The store terminal 20 is an information processing device used by each store. For example, the store terminal 20 is used by the manager of each store. The store terminal 20 is realized by, for example, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like, and transmits / receives information to / from the information processing device 100. In the example shown in FIG. 1, the store terminal 20 is a desktop PC used by the manager M1 of the store A.

The information processing device 100 is a server device that manages authentication information that is information for each store to authenticate the cancellation of payment from a user, and payment information related to a payment request for each store of the user received from the terminal device 10. be. The information processing device 100 distributes the authentication information set for each store to the store terminal 20 used by each store. In addition, the information processing device 100 provides a terminal device 10 with a payment agency service that acts as a proxy for payment processing with a store, a designation screen for designating a settlement to be canceled, and an authentication screen for accepting input of authentication information. Deliver to device 10. The information processing device 100 may be a server that distributes payment agency services and application data itself related to a designated screen and an authentication screen. Further, the information processing device 100 may function as a distribution device that distributes control information to the terminal device 10. Here, the control information is described in, for example, a script language such as Javascript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). The payment agency service delivered from the information processing device 100 and the application itself related to the designated screen and the authentication screen may be regarded as control information. The configuration of the information processing device 100 will be described later.

Hereinafter, returning to FIG. 1, an example of information processing will be described. Note that FIG. 1 shows an example in which the user U1 who has entered the actual store of the store A uses the terminal device 10 to settle the product to be purchased at the store A. Further, in the following description, the manager M1 of the store A indicates the person in charge of the store, the clerk, and the like.

First, as shown in FIG. 1, the store terminal 20 accepts an operation for making an authentication information acquisition request by the manager M1 of the store A, and transmits the authentication information acquisition request to the information processing device 100. Then, the information processing device 100 receives the authentication information acquisition request from the store terminal 20 (step S11).

Here, the authentication information is information for each store to authenticate the cancellation of payment from the user, and is set by the information processing device 100 for each store. For example, the authentication information is a multi-digit personal identification number or a two-dimensional code (for example, a QR code (registered trademark)). The information processing device 100 may set a plurality of authentication information (for example, a number of authentication information corresponding to the number of cash registers installed in the store) for one store. Further, the information processing device 100 may change (reset) the authentication information in response to a request from the store terminal 20.

Subsequently, the information processing device 100 distributes the authentication information to the store terminal 20 (step S12). In the example of FIG. 1, the information processing device 100 acquires the authentication information set for the store A from the storage unit of the information processing device 100, and distributes the acquired authentication information to the store terminal 20. In the example of FIG. 1, the authentication information is assumed to be a multi-digit personal identification number.

Subsequently, the store terminal 20 notifies the administrator M1 of the authentication information distributed from the information processing device 100 (step S13). In the example of FIG. 1, the store terminal 20 notifies the administrator M1 of the authentication information distributed from the information processing apparatus 100 by displaying the authentication information on the screen of the store terminal 20.

When the authentication information is a two-dimensional code, the store terminal 20 notifies (distributes) the authentication information to the administrator M1 by printing the two-dimensional code on a predetermined medium (for example, printing paper). You may.

Subsequently, the terminal device 10 accepts the input of the payment amount to the store A by the user U1 (step S14). In other words, the terminal device 10 accepts the payment request from the user U1 to the store A by accepting the input of the payment amount. For example, the terminal device 10 displays a screen related to the payment agency service provided by the information processing device 100, and accepts the input of the payment amount by the user U1 on the displayed screen.

Subsequently, the information processing device 100 receives the payment request transmitted from the terminal device 10 (step S15). Here, in the example of FIG. 1, the information processing device 100 stores the payment information related to the payment related to the payment request received from the terminal device 10 in the storage unit. For example, as shown in FIG. 1, the information processing device 100 is based on a user ID, which is information for identifying a user who has made a payment request, a payment ID, which is information for identifying a payment related to a payment request, and a payment. Information such as the payee, the date when the payment request was made (settlement date), and the payment amount is stored in the storage unit in association with the cancellation flag. Here, the cancellation flag is flag information indicating whether or not the settlement related to the settlement request has been cancelled. In the example shown in FIG. 1, when "1" is stored in the cancellation flag, it indicates that the settlement related to the information stored in the storage unit in association with the cancellation flag has been cancelled. When "0" is stored in the cancellation flag, it indicates that the settlement related to the information stored in the storage unit in association with the cancellation flag has not been cancelled. In the example of FIG. 1, the information processing device 100 has a user ID "U1", a payment ID "P1", a payment destination "store A", a payment date "2018/1/30", a payment amount "100", and cancellation. It is assumed that the flag "0" is stored in the storage unit.

Here, in the example of FIG. 1, it is assumed that immediately after step S15, the user U1 desires to cancel the payment to the store A related to the payment request transmitted in step S14 due to an erroneous input of the payment amount or the like. In this case, the terminal device 10 accepts the cancellation of the payment specified by the user U1 (step S16). In the example of FIG. 1, the information processing device 100 responds to the request of the terminal device 10, and the designation screen W1 for designating the settlement to be canceled, the authentication screen W2 for accepting the input of the authentication information, and the payment information are the terminal devices. It is assumed that it has been delivered to 10. As shown in FIG. 1, the designation screen W1 has an area AR1 for displaying a payment history corresponding to a payment request transmitted by the terminal device 10 to the information processing device 100, and an area AR2 for designating a payment to be canceled. -AR4 (hereinafter, may be collectively referred to as a cancel button) is included. In the example of FIG. 1, the terminal device 10 sets a part of the payment information (for example, the payee, the payment date, the payment amount, etc.) stored in the storage unit of the information processing device 100 in the area AR1 as the payment history. indicate. Further, in the example of FIG. 1, the area AR2 corresponds to the payment to the store A (that is, the payment related to the payment request transmitted in step S14), the area AR3 corresponds to the payment to the store B, and the area AR4 corresponds to the store C. Corresponds to payment. Here, the terminal device 10 accepts the payment cancellation request to the store A because the area AR2 is selected by the user U1 by a touch operation or the like.

In the example of FIG. 1, the terminal device 10 shows an example of displaying a cancel button for designating the cancellation of each payment, but only the cancellation button related to the payment satisfying a predetermined condition may be displayed. For example, the terminal device 10 displays a payment cancel button related to a payment request transmitted to the information processing device 100 within a predetermined time (for example, 1 hour or 24 hours) from the time when the designated screen W1 is displayed.

Subsequently, the terminal device 10 transitions from the designated screen W1 to the authentication screen W2 and accepts the authentication information (step S17). As shown in FIG. 1, the authentication screen W2 includes an area AR5 for inputting authentication information. In the example of FIG. 1, the terminal device 10 is authenticated by the user U1 presenting the terminal device 10 to the administrator M1 and the administrator M1 inputting the password notified from the store terminal 20 into the area AR5 in step S13. Accept information.

Subsequently, the information processing device 100 receives the payment ID from the terminal device 10, the payment cancellation request corresponding to the payment ID, and the authentication information from the terminal device 10 (step S18). In the example of FIG. 1, the information processing device 100 inputs the payment ID “P1” related to the payment specified to the user U1 in step S16, the payment cancellation request, and the password input by the administrator M1 in step S17 to the terminal device 10. Accept from.

Subsequently, the information processing device 100 determines the authentication information (step S19). In the example of FIG. 1, the information processing device 100 stores the storage unit of the information processing device 100 based on the information of the payee "store A" included in the payment information corresponding to the payment ID "P1" received from the terminal device 10. Refer to it and specify the authentication information set in the store A. Then, it is determined whether or not the authentication information set in the store A and the authentication information received from the terminal device 10 match.

Subsequently, when the authentication information received from the terminal device 10 matches the authentication information set for the store A, the information processing device 100 executes the settlement cancellation process (step S20). In the example of FIG. 1, the information processing device 100 refers to the storage unit of the information processing device 100, and sets the cancellation flag of the payment information corresponding to the payment ID “P1” received from the terminal device 10 in step S18 to “1”. Set.

In this way, the information processing device 100 according to the embodiment receives the payment cancellation request and the payment cancellation authentication from the terminal device used by the user, and executes the payment cancellation process.

Normally, when canceling a payment such as electronic payment, the store side needs to operate a store terminal or the like that manages payment information for the store. However, if the store terminal is not available at the store, it is not possible to promptly respond to a payment cancellation request from a user in the actual store. On the other hand, the information processing device 100 according to the embodiment notifies the store manager of the authentication information, which is the information for authenticating the cancellation of the payment, via the store terminal. Then, the store manager authenticates the cancellation of the payment by inputting the notified authentication information into the terminal device used by the user. As a result, the information processing device 100 according to the embodiment cancels the payment from the user, for example, when the payment is made by electronic payment in the actual store, even if the store terminal does not have a store terminal for canceling the payment. Can respond to requests. That is, the information processing device 100 according to the embodiment can improve convenience in payment processing.

[2. Terminal device configuration]
Next, the configuration of the terminal device 10 will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of the terminal device according to the embodiment. As shown in FIG. 3, the terminal device 10 includes a communication unit 11, a storage unit 12, an input unit 13, an output unit 14, an imaging unit 15, a GPS receiving antenna 16, and a control unit 17.

(About communication unit 11)
The communication unit 11 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 11 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the information processing device 100 and the like.

(About storage unit 12)
The storage unit 12 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk.

(About input unit 13 and output unit 14)
The input unit 13 is an input device that receives various operations from the user. For example, the input unit 13 is realized by a keyboard, a mouse, operation keys, or the like. The output unit 14 is a display device for displaying various information. That is, the output unit 14 corresponds to the display screen of the terminal device 10. For example, the output unit 14 is realized by a liquid crystal display or the like. When a touch panel is adopted for the terminal device 10, the input unit 13 and the output unit 14 are integrated.

(About the imaging unit 15)
The image pickup unit 15 includes an optical system such as a lens and an image pickup element such as a CCD (Charge Coupled Device) image sensor and a CMOS (Complementary Metal Oxide Semiconductor) sensor.

(About GPS receiving antenna 16)
The GPS receiving antenna 16 is an antenna for receiving a signal used in a satellite positioning system such as GPS from a satellite.

(About control unit 17)
The control unit 17 is a controller, and for example, various programs stored in a storage device inside the terminal device 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. When the control information or application that realizes the above-mentioned information display processing is distributed from the information processing apparatus 100, the control unit 17 operates according to the control information or application and realizes the display processing.

Further, the control unit 17 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 3, the control unit 17 according to the embodiment has a display unit 18 and a transmission unit 19, and realizes or executes a function or operation of information processing described below.

(About display unit 18)
The display unit 18 displays a screen on which authentication information, which is information held by the payee in the payment and is information for authenticating the cancellation of the payment, can be input when the payment is canceled by the user. .. For example, in the example of FIG. 1, the display unit 18 displays a designation screen W1 for designating a settlement to be canceled, which is distributed from the information processing device 100. Then, when any of the cancel buttons (areas AR2-AR4 in FIG. 1) included in the designated screen W1 is selected by the touch operation of the user U1, the display unit 18 makes a payment corresponding to the selected cancel button. The authentication screen W2 that enables input of authentication information (in the example of FIG. 1, a multi-digit password) for authenticating cancellation is displayed.

The display unit 18 may display a screen on which a two-dimensional code (for example, a QR code (registered trademark)) can be input as authentication information. For example, in the example of FIG. 1, the display unit 18 may display an authentication screen that allows the two-dimensional code to be input as authentication information instead of the authentication screen W2. Here, with reference to FIG. 4, a process when the display unit 18 displays a screen on which a QR code (registered trademark) can be input in the example of FIG. 1 will be described. FIG. 4 is a diagram showing an example of the terminal device according to the embodiment.

In the following description, it is assumed that the designation screen for designating the payment to be canceled, the authentication screen for inputting the authentication information, and the payment information have already been distributed from the information processing device 100 to the terminal device 10. Further, in the following description, it is assumed that the QR code (registered trademark) has been distributed from the information processing device 100 to the store terminal 20. Further, in the following description, it is assumed that the manager M1 of the store A holds the medium on which the QR code (registered trademark) is printed. Further, since the designated screen W1 displayed by the terminal device 10 in the first state of FIG. 4 is the same as the example of FIG. 1, detailed description thereof will be omitted.

In the first state of FIG. 4, the display unit 18 accepts the cancellation of the payment to the store A because the area AR2 is selected by the user U1 by a touch operation or the like, and the terminal device 10 receives the authentication shown in the second state of FIG. Display screen W3. As shown in FIG. 4, the authentication screen W3 includes a region AR6 for displaying an image captured by the imaging unit 15. In the terminal device 10, the user U1 holds the terminal device 10 over a medium on which the QR code (registered trademark) presented by the administrator M1 is printed, and the image pickup unit 15 takes an image of the QR code (registered) displayed on the authentication screen W3. Trademark) is accepted as authentication information.

(About transmitter 19)
The transmission unit 19 transmits the authentication information received via the screen on which the authentication information can be input and the payment cancellation request to the information processing device that performs the payment cancellation process when the authentication information and the cancellation request are received. .. For example, in the example of FIG. 1, the transmission unit 19 transmits a payment ID for identifying a payment for which cancellation is specified to the user U1, a payment cancellation request corresponding to the payment ID, and authentication information to the information processing device 100. ..

Further, the transmission unit 19 may transmit the position information of the terminal device 10 received by the GPS receiving antenna 16 to the information processing device 100.

[3. Information processing device configuration]
Next, the configuration of the information processing apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 5 is a diagram showing a configuration example of the information processing device according to the embodiment. As shown in FIG. 5, the information processing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

(About communication unit 110)
The communication unit 110 is realized by, for example, a NIC or the like. Then, the communication unit 110 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the terminal device 10, the store terminal 20, and the like.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 5, the storage unit 120 includes a store information storage unit 121 and a payment information storage unit 122.

(About store information storage unit 121)
The store information storage unit 121 stores various information about the store. Here, an example of store information stored in the store information storage unit 121 will be described with reference to FIG. FIG. 6 is a diagram showing an example of the store information storage unit according to the embodiment. In the example of FIG. 6, the store information storage unit 121 has items such as "store ID", "store name", "location", and "authentication information".

The "store ID" indicates identification information for identifying a store. "Store name" indicates the name of the store. "Location" indicates the location of the store. The "authentication information" is information for each store to authenticate the cancellation of payment from the user, and indicates the information set by the information processing device 100 in each store. In FIG. 6, an example in which conceptual information such as “authentication information 1” is stored in “authentication information” is shown, but in reality, a multi-digit password, password, or the like is stored. When the "authentication information" is a two-dimensional code, an image of the two-dimensional code, a URL, a file path name indicating a storage location thereof, or the like is stored.

That is, FIG. 6 shows an example in which the authentication information "authentication information 1" is set in the store "store A" identified by the store ID "SH1" and located in "E city, D prefecture ...".

(About payment information storage unit 122)
The payment information storage unit 122 stores various types of payment related to the payment request transmitted by the user to the information processing device 100 using the terminal device 10. Here, an example of store information stored in the payment information storage unit 122 will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of a payment information storage unit according to an embodiment. In the example of FIG. 7, the payment information storage unit 122 has a "user ID", a "payee", a "payment ID", a "payment date", a "payment method", a "card number", a "payment amount", and a "cancellation". It has items such as "flag".

The "user ID" indicates identification information for identifying a user. “Payee” indicates information for identifying the payee according to the payment request. The "payment ID" indicates identification information for identifying the payment related to the payment request. The “settlement date” indicates the date when the settlement request is transmitted to the information processing apparatus 100. "Payment method" indicates a payment method in a payment request. For example, in the example of FIG. 7, information such as "card" indicating payment by credit card and "electronic money" indicating payment by electronic money is stored in the "payment method". "Card number" indicates the card number of the credit card used for payment. "Settlement amount" indicates the settlement amount in the settlement request. The "cancellation flag" indicates flag information indicating whether or not the settlement has been canceled. Here, when "1" is stored in the cancellation flag, it indicates that the settlement has been cancelled. If "0" is stored in the cancellation flag, it indicates that the settlement has not been cancelled.

That is, in FIG. 7, the user identified by the user ID “U1” sets the payment amount “100 yen” for the payment destination “store A” on the payment date “2018/1/30” with the card number “1000-0000-XXXXX”. Indicates that a payment request using a credit card has been sent. Then, an example is shown in which the settlement related to the transmitted settlement request is identified by the settlement ID "P11" and the settlement is not canceled.

(About control unit 130)
The control unit 130 is a controller, and for example, various programs (corresponding to an example of an information display program) stored in a storage device inside the information processing device 100 by a CPU, MPU, or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 150 is a controller, and is realized by, for example, an integrated circuit such as an ASIC or FPGA. As shown in FIG. 5, the control unit 130 according to the embodiment includes a distribution unit 131, a reception unit 132, a determination unit 133, and an execution unit 134, and has functions and operations of information processing described below. Realize or execute.

(About distribution unit 131)
The distribution unit 131 distributes to the terminal device a screen for designating the payment for which the user is the target of the cancellation request among the payments made by the user. For example, in the example of FIG. 1, the distribution unit 131 stores the designation screen W1 for designating the payment to be the target of the cancellation request in the payment information storage unit 122 in response to the screen distribution request from the terminal device 10. The user U1 who is using the terminal device 10 distributes the payment information to the terminal device 10 together with the payment information regarding the payment request transmitted to the information processing device 100 using the terminal device 10.

Further, the distribution unit 131 may distribute a screen for receiving the authentication information, which is the information held by the payee in the payment and is the information for the payee to authenticate the cancellation of the payment, to the terminal device. For example, in the example of FIG. 1, the distribution unit 131 receives the authentication information (password) for authenticating the cancellation of the payment to the store A designated on the designated screen W1 from the administrator M1 of the store A. To deliver. The distribution unit 131 may distribute the authentication screen W3 of FIG. 4, in which a two-dimensional code can be input as authentication information, instead of the authentication screen W2.

In addition, the distribution unit 131 may distribute a screen according to the time elapsed since the payment was made to the terminal device. In other words, the distribution unit 131 specifies the payment to be canceled by the user according to the time elapsed since the payment request was transmitted from the terminal device 10 (for example, 1 hour, 24 hours, 1 week, etc.). Deliver a screen to do. For example, in the example of FIG. 1, the distribution unit 131 refers to the payment information storage unit 122 and is transmitted to the information processing device 100 within a predetermined time from the time when the distribution request of the designated screen W1 is received from the terminal device 10. The designation screen W1 that enables the designation of only the settlement related to the settlement request as the target of the cancellation request is delivered. Specifically, in the example of FIG. 1, only the payment related to the payment request transmitted to the information processing device 100 within 24 hours from the time when the screen distribution request from the terminal device 10 is received (2018/1/30). When the cancellation request can be specified, the distribution unit 131 distributes a screen that allows only the payment identified by the payment ID "P1" to be specified as the cancellation request target. For example, the distribution unit 131 distributes the designated screen W1 including only the area AR2 among the cancel buttons (areas AR2-AR4) included in the designated screen W1 shown in FIG.

Further, the distribution unit 131 may distribute a screen for making a cancellation request to the terminal device 10 in the payment agency service provided by the information processing device 100. For example, the distribution unit 131 distributes a screen for making a payment cancellation request related to the transmitted payment request after the terminal device 10 transmits the payment request. Here, the screen distribution process for making a payment cancellation request will be described with reference to FIG. FIG. 8 is a diagram showing an example of the terminal device according to the embodiment.

In the following description, it is assumed that the control information for displaying the screen related to the payment agency service provided by the information processing device 100 on the terminal device 10 has already been distributed from the information processing device 100. Further, in the following description, an example will be shown in which a user U1 who has entered a store A, which is a real store, makes a payment for a product to be purchased at the store A using the terminal device 10.

The first state of FIG. 8 shows a screen in which the user U1 inputs information related to a payment request such as a payment amount to the store A. In the first state of FIG. 8, the terminal device 10 is a payment amount, a payment method (payment method such as a card payment using a credit card, a payment method using electronic money), and a payment agency service provided by the information processing device 100. Display the area AR7 for inputting various information related to payment requests such as available points. After the user U1 inputs information into the area AR7, the area AR8 is selected by a touch operation or the like, so that the terminal device 10 transitions to the second state.

The second state of FIG. 8 shows a confirmation screen of information regarding the payment request input in the first state. When the user U1 slides the area AR9 or the like, the terminal device 10 transmits a payment request to the information processing device 100. After transmitting the payment request, the terminal device 10 transitions to the third state of displaying the screen distributed by the distribution unit 131.

The third state of FIG. 8 shows a screen for displaying the content of the payment related to the payment request transmitted by the terminal device 10 and for making a cancellation request for the payment. Here, when the user U1 confirms the content of the payment and there is an erroneous input of the payment amount, the points used, or the payment method, the terminal device is selected by touching the area AR10 (cancel button). 10 accepts the payment cancellation request displayed on the screen. Then, the terminal device 10 displays an authentication screen such as the authentication screen W2 of FIG. 1 or the authentication screen W3 of FIG. 4 distributed by the distribution unit 131, receives the authentication information from the manager M1 of the store A, and requests the cancellation of the payment. And the authentication information is transmitted to the information processing apparatus 100.

(About reception desk 132)
The reception unit 132 uses the payment cancellation request specified by the user and the authentication information held by the payee in the payment, which is the information for the payee to authenticate the cancellation of the payment. Accept from the terminal device. For example, the reception unit 132 receives a payment cancellation request specified by the user on the screen distributed by the distribution unit 131. Specifically, in the example of FIG. 1, in the reception unit 132, the cancel button included in the designated screen W1 displayed on the terminal device 10 is selected by the user U1 by a touch operation or the like, so that the selected cancel button is selected. The terminal device 10 receives a request for cancellation of payment to the store A corresponding to the above. Then, the reception unit 132 receives the authentication information from the terminal device 10 by inputting the authentication information (password) from the manager M1 of the store A on the authentication screen W2 displayed on the terminal device 10.

Further, the reception unit 132 may receive the position information of the terminal device. For example, the reception unit 132 receives the position information of the terminal device 10 received by the GPS receiving antenna 16 from the terminal device 10.

In addition, the reception unit 132 may accept a request for cancellation of the payment for which the payment amount has been input by the user. For example, the reception unit 132 receives a request for cancellation of payment made by the user via the terminal device. Specifically, as shown in the first state of FIG. 8, a screen related to the payment agency service provided by the information processing device 100 is distributed to the terminal device 10 used by the user U1 who has entered the store A, which is a real store. Department 131 delivers. Then, the reception unit 132 receives the payment cancellation request related to the payment request in which the user U1 himself has input information such as the payment amount on the screen delivered to the terminal device 10.

Further, the reception unit 132 may accept a request for canceling a payment in which the time elapsed since the payment is made is equal to or less than a predetermined threshold value among the payments made by the user. For example, in the example of FIG. 1, the reception unit 132 refers to the payment information storage unit 122, and among the payment requests transmitted from the terminal device 10 to the information processing device 100, the time when the cancellation request is transmitted from the terminal device 10. Accepts a payment cancellation request related to a payment request transmitted within a time equal to or less than a predetermined threshold value (for example, 1 hour, 24 hours, 1 week, etc.). Here, in the example of FIG. 1, the cancellation request for the settlement related to the settlement request transmitted to the information processing apparatus 100 within 24 hours from the time when the cancellation request is transmitted from the terminal device 10 (2018/1/30) is transmitted. When it is possible to accept, the reception unit 132 accepts the payment cancellation request identified by the payment ID "P1" and does not accept the payment cancellation request identified by the payment ID "P2" or "P3".

Further, the reception unit 132 may accept a personal identification number or a two-dimensional code as authentication information. For example, in the example of FIG. 1, the reception unit 132 accepts the password input by the manager M1 of the store A on the authentication screen W2 displayed on the terminal device 10 as authentication information. Further, in the example of FIG. 4, the reception unit 132 displays the terminal device 10 on which the user U1 displays the authentication screen W3 on the medium on which the two-dimensional code (for example, QR code (registered trademark)) presented by the administrator M1 is printed. The two-dimensional code displayed on the authentication screen W3 by holding it over and taking an image by the imaging unit 15 is accepted as authentication information.

(About judgment unit 133)
The determination unit 133 determines whether or not the authentication information received by the reception unit 132 matches the authentication information previously given to the payee. For example, in the example of FIG. 1, the determination unit 133 refers to the store information storage unit 121 because the payment destination of the settlement that is the target of the cancellation request received by the reception unit 132 from the terminal device 10 is “store A”. The authentication information set in the store A is specified. Then, the determination unit 133 determines whether or not the authentication information set in the store A and the authentication information received by the reception unit 132 from the terminal device 10 match.

(About execution unit 134)
The execution unit 134 performs a settlement cancellation process when the cancellation request and the authentication information are received by the reception unit 132. For example, the execution unit 134 refers to the payment information storage unit 122 and changes the cancellation flag of the payment information related to the payment to be canceled to "1".

Further, the execution unit 134 performs a settlement cancellation process when the determination unit 133 determines that the authentication information received by the reception unit 132 and the authentication information given in advance to the payee match, and the determination unit 134 performs the settlement cancellation process. If it is determined by 133 that the authentication information received by the reception unit 132 and the authentication information given in advance to the payee do not match, the settlement cancellation process may not be performed. For example, in the example of FIG. 1, the execution unit 134 has the authentication information input to the authentication screen W2 by the manager M1 of the store A and the authentication information set for the store A stored in the store information storage unit 121. If they match, the user U1 performs the settlement cancellation process for the store A specified on the designated screen W1, and if they do not match, the settlement cancellation process is not performed.

Further, the execution unit 134 performs a cancellation process when the distance from the position indicated by the position information of the terminal device received by the reception unit 132 to the payee does not exceed a predetermined threshold value, and is accepted by the reception unit 132. If the distance from the position indicated by the position information of the terminal device to the payee exceeds a predetermined threshold value, the cancellation process may not be performed. For example, in the example of FIG. 1, the distance from the position indicated by the position information of the terminal device 10 received by the reception unit 132 to the location of the store A stored in the store information storage unit 121 is a predetermined threshold value (for example, 10). If it does not exceed (meter, 100 meters, etc.), the execution unit 134 performs a payment cancellation process for the store A in response to the payment cancellation request and authentication information transmitted by the terminal device 10. On the other hand, when the distance from the position indicated by the position information of the terminal device 10 received by the reception unit 132 to the location of the store A stored in the store information storage unit 121 exceeds a predetermined threshold, the execution unit 134 may use the execution unit 134. Even if the authentication information transmitted by the terminal device 10 matches the authentication information set for the store A stored in the store information storage unit 121, the payment cancellation process for the store A is not performed.

[4. Information processing flow]
Here, the procedure of information processing of the information processing system 1 according to the embodiment will be described with reference to FIG. FIG. 9 is a flowchart showing an example of the information processing procedure according to the embodiment.

As shown in FIG. 9, the information processing device 100 receives a payment cancellation request and authentication information from the terminal device 10 (step S101). Here, when the authentication information received from the terminal device 10 and the authentication information previously given to the store do not match (step S102; No), the information processing device 100 ends the process without executing the settlement cancellation process. .. For example, in the example of FIG. 1, when the authentication information input by the manager M1 of the store A on the authentication screen W2 displayed on the terminal device 10 and the authentication information set by the information processing device 100 in the store A do not match. The information processing device 100 does not perform the settlement cancellation process.

On the other hand, when the authentication information received from the terminal device 10 and the authentication information given in advance to the store match (step S102; Yes), the information processing device 100 executes the settlement cancellation process (step S103). To finish. For example, in the example of FIG. 1, the information processing apparatus 100 changes the cancellation flag included in the settlement information of the settlement for which the cancellation request has been made to "1".

[5. Modification example]
The above-described embodiment shows an example, and various modifications and applications are possible.

[5-1. About the screen distributed by the distribution unit 131]
In the above-described embodiment, the distribution unit 131 distributes the screen according to the time elapsed since the payment is made to the terminal device, but the distribution unit 131 is limited to such a configuration. is not it. For example, the distribution unit 131 may distribute a screen for designating the settlement to be the target of the cancellation request by the user according to the position information of the terminal device 10 transmitted from the terminal device 10. For example, in the example of FIG. 1, the distance from the position indicated by the position information of the terminal device 10 to the location of the store A stored in the store information storage unit 121 has a predetermined threshold value (for example, 10 meters, 100 meters, etc.). If it does not exceed, the distribution unit 131 distributes the designation screen W1 that can be specified as the target of the payment cancellation request related to the payment request to the store A among the payment requests transmitted by the terminal device 10. Specifically, the distribution unit 131 distributes the designated screen W1 including only the area AR2 among the cancel buttons (areas AR2-AR4) included in the designated screen W1 shown in FIG.

Further, the distribution unit 131 displays a screen (designated screen W1 and FIG. 1 shown in FIG. 1) for displaying a cancel button (area AR2-4 in FIG. 1 and area AR10 in FIG. 8) in response to a predetermined operation on the terminal device 10. The screen shown in the third state of 8) may be delivered. For example, in the distribution unit 131, the terminal device 10 displaying the designated screen W1 or the screen shown in the third state of FIG. 8 accepts a predetermined operation (for example, password input or password input, pattern input) by the store manager. In this case, the designated screen W1 for displaying the cancel button or the screen shown in the third state of FIG. 8 is distributed.

Further, the distribution unit 131 may distribute the designated screen W1 including the change button instead of the cancel button or the screen shown in the third state of FIG. For example, in the example of FIG. 1, the distribution unit 131 distributes the designated screen W1 including the change button and the area for inputting a new payment amount to the terminal device 10. Then, when the terminal device 10 accepts the selection of the change button, the input of the new payment amount, and the input of the authentication information, the terminal device 10 is the same as the payment corresponding to the change button together with the cancellation request of the payment corresponding to the change button. A payment request based on a new payment amount to the target is transmitted to the information processing device 100. Further, for example, in the third state of FIG. 8, the distribution unit 131 distributes the screen including the change button to the terminal device 10. Then, when the change button is selected, the terminal device 10 accepts the payment cancellation request displayed on the screen. Then, the terminal device 10 receives the authentication information for the store A to authenticate the cancellation of the payment, transmits the payment cancellation request and the authentication information to the information processing device 100, and then shifts the screen to the first state of FIG. , Accepts re-entry of information about payment requests.

[5-2. About authentication information]
In the above-described embodiment, the reception unit 132 has shown an example of receiving a personal identification number or a two-dimensional code as authentication information, but the reception unit 132 is not limited to such a configuration. For example, the authentication information is not limited to a personal identification number or a two-dimensional code, and can be any information as long as it is retained only by the store administrator and can be input to the terminal device used by the user. May be good. For example, the reception unit 132 may accept a pattern input or a password as authentication information.

[6. effect〕
As described above, the information processing apparatus 100 according to the embodiment includes a distribution unit 131, a reception unit 132, a determination unit 133, and an execution unit 134. The distribution unit 131 distributes to the terminal device a screen for designating the payment for which the user is the target of the cancellation request among the payments made by the user. In addition, the distribution unit 131 distributes to the terminal device a screen for receiving the authentication information, which is the information held by the payee in the payment and is the information for the payee to authenticate the cancellation of the payment. Further, the reception unit 132 sends the user the request for cancellation of the payment specified by the user and the authentication information held by the payee in the payment, which is the information for the payee to authenticate the cancellation of the payment. Accept from the terminal device used by. Further, the determination unit 133 determines whether or not the authentication information received by the reception unit 132 matches the authentication information previously given to the payee. Further, the execution unit 134 performs a settlement cancellation process when the cancellation request and the authentication information are received by the reception unit 132.

As a result, the information processing device 100 according to the embodiment executes the payment cancellation process based on the payment cancellation request received from the terminal device used by the user and the authentication information that the payee in the payment authenticates the payment cancellation. As a result, even if the store does not have a terminal or the like for canceling the payment, the payment can be canceled, so that the convenience in the payment processing can be improved.

Further, in the information processing apparatus 100 according to the embodiment, for example, the execution unit 134 determines that the authentication information received by the reception unit 132 and the authentication information given in advance to the payee match by the determination unit 133. If the payment is canceled, the payment is canceled when the judgment unit 133 determines that the authentication information received by the reception unit 132 does not match the authentication information given to the payee in advance. Not performed.

As a result, the information processing device 100 according to the embodiment performs the cancellation process only when the authentication information is correct, even if the payment is canceled using the terminal device used by the user. Cancellation request can be prevented.

Further, in the information processing device 100 according to the embodiment, for example, the reception unit 132 receives the position information of the terminal device. Then, the execution unit 134 performs a cancellation process when the distance from the position indicated by the position information of the terminal device received by the reception unit 132 to the payee does not exceed a predetermined threshold value, and is accepted by the reception unit 132. If the distance from the position indicated by the position information of the terminal device to the payee exceeds a predetermined threshold value, the cancellation process is not performed.

As a result, the information processing device 100 according to the embodiment does not perform the cancellation process when the position of the terminal device is far from the payee even if the authentication information is correct, so that the information processing device 100 is identified by an unauthorized analysis by the user. It is possible to prevent cancellation of payment based on the authentication information.

Further, in the information processing device 100 according to the embodiment, for example, the reception unit 132 receives a payment cancellation request for which a payment amount has been input by the user.

As a result, the information processing device 100 according to the embodiment can cancel the payment using the terminal device used by the user even when the user erroneously inputs the payment amount, which makes the payment processing more convenient. Can be improved.

Further, in the information processing device 100 according to the embodiment, for example, the reception unit 132 receives a payment cancellation request made by the user via the terminal device.

As a result, the information processing device 100 according to the embodiment can cancel the payment using the terminal device used by the user for the payment, so that the convenience in the payment processing can be improved.

Further, in the information processing device 100 according to the embodiment, for example, the distribution unit 131 distributes to the terminal device a screen for designating the payment to be canceled by the user among the payments made by the user. Then, the reception unit 132 receives the payment cancellation request specified by the user on the screen.

As a result, the information processing device 100 according to the embodiment can easily specify the payment that the user wants to cancel by delivering the payment made by the user to the terminal device, and can improve usability.

Further, in the information processing device 100 according to the embodiment, for example, the distribution unit 131 distributes a screen corresponding to the time elapsed since the settlement is made to the terminal device.

As a result, the information processing device 100 according to the embodiment can prevent the cancellation of the payment based on the authentication information specified by the unauthorized analysis of the user by setting a time limit for the payment to be the target of the cancellation request.

Further, in the information processing device 100 according to the embodiment, for example, the reception unit 132 receives a request for canceling a payment in which the time elapsed since the payment is made is equal to or less than a predetermined threshold value among the payments made by the user.

As a result, the information processing device 100 according to the embodiment can prevent the cancellation of the payment based on the authentication information specified by the unauthorized analysis of the user by setting a time limit for the payment received as the target of the cancellation request.

Further, in the information processing apparatus 100 according to the embodiment, for example, the reception unit 132 receives a personal identification number or a two-dimensional code as authentication information.

As a result, the information processing device 100 according to the embodiment can reduce the burden on the operation of the payment destination of the payment by using the information that can be easily input to the terminal device used by the user as the authentication information.

Further, as described above, the terminal device 10 according to the embodiment includes a display unit 18 and a transmission unit 19. The display unit 18 displays a screen on which authentication information, which is information held by the payee in the payment and is information for authenticating the cancellation of the payment, can be input when the payment is canceled by the user. .. Further, the transmission unit 19 transmits the authentication information received via the screen and the payment cancellation request to the information processing device that performs the payment cancellation process when the authentication information and the cancellation request are received.

As a result, the terminal device 10 according to the embodiment can send a payment cancellation request even when the store does not have a terminal or the like for performing the payment cancellation processing, thus improving convenience in the payment processing. be able to.

[7. Hardware configuration]
Further, the information processing apparatus according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the information processing apparatus 100 will be described as an example. FIG. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1200 or the HDD 1400, and controls each part. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the data generated by the CPU 1100 via the communication network 500 is transmitted to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the information processing device 100, the CPU 1100 of the computer 1000 realizes the function of the control unit 130 by executing the program loaded on the RAM 1300. Further, each data in the storage unit 120 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[8. others〕
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to practice the present invention in other improved forms.

Further, the information processing device 100 described above may be realized by a plurality of server computers, and depending on the function, it may be realized by calling an external platform or the like by API (Application Programming Interface) or network computing. Can be changed flexibly.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the distribution unit can be read as a distribution means or a distribution circuit.

1 Information processing system 10 Terminal device 11 Communication unit 12 Storage unit 13 Input unit 14 Output unit 15 Imaging unit 16 GPS receiving antenna 17 Control unit 18 Display unit 19 Transmission unit 20 Store terminal 100 Information processing device 110 Communication unit 120 Storage unit 121 Store Information storage unit 122 Payment information storage unit 130 Control unit 131 Distribution unit 132 Reception unit 133 Judgment unit 134 Execution unit

Claims (10)

A screen showing the contents of the payment made by the user and for the user to specify the target of the cancellation request of the payment is distributed to the terminal device used by the user when the payment is made. With the distribution department
The payment cancellation request specified by the user on the screen and the information held by the payee in the payment, which the payee provides to the user when the payee authenticates the cancellation of the payment. A reception unit that receives authentication information, which is information input by the terminal device used by the user by capturing a two-dimensional code, from the terminal device, and a reception unit.
Information characterized by including an execution unit that associates information indicating the settlement with information indicating that the settlement has been canceled when the cancellation request and the authentication information are received by the reception unit. Processing equipment. Further, a determination unit for determining whether or not the authentication information received by the reception unit and the authentication information previously given to the payee match is provided.
The execution unit
When the determination unit determines that the authentication information received by the reception unit matches the authentication information previously given to the payee, the information indicating the payment and the cancellation of the payment. When the determination unit determines that the authentication information received by the reception unit does not match the authentication information previously given to the payee, the information indicating the payment and the information indicating the payment are associated with the information to be shown. The information processing device according to claim 1, wherein the information processing device is not associated with information indicating that the payment has been canceled. The reception department
Accepting the location information of the terminal device,
The execution unit
Information indicating the payment and information indicating that the payment has been canceled when the distance from the position indicated by the position information of the terminal device received by the reception unit to the payee does not exceed a predetermined threshold value. When the distance from the position indicated by the position information of the terminal device received by the reception unit to the payee exceeds a predetermined threshold value, the information indicating the payment and the payment have been cancelled. The information processing apparatus according to claim 1 or 2, wherein the information processing device is not associated with the information indicating the above. The reception department
The information processing device according to any one of claims 1 to 3, wherein the information processing device according to any one of claims 1 to 3, wherein it accepts a payment cancellation request for which a payment amount has been input by a user. The reception department
The information processing device according to claim 4, wherein the user accepts a request for cancellation of payment made via the terminal device. The distribution unit
The information processing device according to any one of claims 1 to 5, wherein the screen according to the time elapsed since the payment is made is delivered to the terminal device. The reception department
The information according to any one of claims 1 to 6, wherein among the payments made by the user, a request for cancellation of the payment for which the time elapsed since the payment is made is equal to or less than a predetermined threshold value is accepted. Processing equipment. It is an information processing method executed by a computer.
A screen showing the contents of the payment made by the user and for the user to specify the target of the cancellation request of the payment is distributed to the terminal device used by the user when the payment is made. Delivery process and
The payment cancellation request specified by the user on the screen and the information held by the payee in the payment, which the payee provides to the user when the payee authenticates the cancellation of the payment. The reception process of receiving the authentication information, which is the information input by the terminal device used by the user by capturing the two-dimensional code, from the terminal device, and the reception process.
Information processing including an execution step of associating the information indicating the payment with the information indicating that the payment has been canceled when the cancellation request and the authentication information are received by the reception process. Method. A screen showing the contents of the payment made by the user and for the user to specify the target of the cancellation request of the payment is distributed to the terminal device used by the user when the payment is made. Delivery procedure and
The payment cancellation request specified by the user on the screen and the information held by the payee in the payment, which the payee provides to the user when the payee authenticates the cancellation of the payment. The reception procedure for receiving the authentication information, which is the information input by the terminal device used by the user by capturing the two-dimensional code, from the terminal device, and the reception procedure.
When the cancellation request and the authentication information are received by the reception procedure, the computer is made to execute an execution procedure for associating the information indicating the payment with the information indicating that the payment has been canceled. Information processing program. Shows the contents of the payment made by the user, a screen displayed when the settlement has been made, cancel operation of the payment by the user on the screen for the user to specify the subject of cancel request the settlement If is performed is information payee in the payment holds, the information which the payee to authenticate the revocation of the payment is entered by imaging a two-dimensional code to be provided to the user A display procedure that displays a screen where you can enter certain authentication information,
The authentication information received via the screen and the cancellation request for the payment are the authentication information, the information indicating the payment when the cancellation request is received, and the information indicating that the payment has been canceled. A program that causes a computer to execute a transmission procedure and a transmission procedure to be transmitted to an information processing device associated with the information processing device.

Images