JP7323367B2 - Information processing device and program - Google Patents

Description

The present invention relates to techniques for electronically making payments.

As a technique for preventing fraudulent use when making electronic payments, for example, Patent Document 1 discloses a portable information terminal for an IC card when performing contactless communication between the portable information terminal device and the IC card. It is disclosed that the posture of the device is restricted, and access to the IC card is permitted only when, for example, the housing of the portable information terminal device is in a substantially horizontal state.

JP 2016-110464 A

It is conceivable that unauthorized use of electronic payment cannot be completely prevented only by the method of restricting the posture of the portable information terminal device as described above.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to suppress fraudulent use of electronic payment by a method that has not existed in the past.

In order to solve the above problems, the present invention provides an identifier specifying unit that performs wireless communication with a mobile terminal carried by a user to specify the identifier of the mobile terminal, and a mobile terminal that maintains a determined posture at a determined position. a mobile position specifying unit that specifies a mobile position , which is a position where the mobile terminal is carried on the user's body, by positioning using wireless communication with the mobile terminal carried by the user; an information processing apparatus comprising: a permission unit that permits payment using the identified identifier of the mobile terminal when the mobile terminal location matches the payment conditions associated with the specified identifier of the mobile terminal. offer.

The mobile position specifying unit calculates a change amount and a change direction when the position of the mobile terminal carried by the user is changed , using wireless communication with the mobile terminal , and the permission unit calculates the specified If the change amount and change direction of the mobile phone position match the payment conditions, the payment using the identifier may be permitted.

an orientation identifying unit that identifies an orientation of the mobile terminal, and the permission unit determines if the identified mobile terminal position and orientation match the payment conditions associated with the identified identifier of the mobile terminal. may permit payment using the identifier.

The payment conditions may differ according to the amount of money to be settled.

The payment terms may vary according to the type, location or time of the transaction to be made.

A behavior identifying unit that identifies the behavior of the mobile terminal is provided, and the permission unit determines a predetermined distance from the mobile terminal based on the mobile location identified by the mobile location identifying unit and the behavior identified by the behavior identifying unit. and whose behavior falls within a predetermined range may be subject to the permission.

Further, the present invention includes a mobile position specifying unit for specifying a mobile position, which is a position where the terminal is carried on the user's body, and when the specified mobile position matches the payment conditions of the own terminal, and a permitting unit for permitting settlement using the identifier of the terminal.

Further, the present invention provides a computer with an identifier identification unit that performs wireless communication with a mobile terminal carried by a user to identify the identifier of the mobile terminal, and the user that maintains a determined posture at a determined position. a mobile position specifying unit that specifies a mobile position, which is a position where the mobile terminal is carried on the body of the user, by positioning using wireless communication with the mobile terminal carried by a mobile phone; A program for realizing a permitting unit that permits settlement using the identified identifier when the location matches the settlement conditions associated with the specified identifier of the mobile terminal.

Advantageous Effects of Invention According to the present invention, unauthorized use of electronic payment can be suppressed by an unprecedented method.

It is a figure which shows an example of a structure of the payment system 1. FIG. 2 is a diagram showing a hardware configuration of mobile terminal 10. FIG. 2 is a diagram showing a hardware configuration of a store terminal 20; FIG. 3 is a diagram showing a hardware configuration of a server device 30; FIG. 1 is a diagram showing an example of a functional configuration of a settlement system 1; FIG. 4 is a diagram showing an example of payment conditions stored in the server device 30; FIG. 4 is a sequence diagram showing an operation example of the settlement system 1; FIG.

[composition]
FIG. 1 is a diagram showing an example of a settlement system 1 of this embodiment. The payment system 1 includes a mobile terminal 10 carried by a user, a store terminal 20 installed in a commercial store or the like, a server device 30 that holds various data related to payment and performs electronic payment processing, a wireless communication network or and a communication network 2 including a wired communication network. Although FIG. 1 shows one mobile terminal 10, one store terminal 20, and one server device 30, each of these may be plural. The information processing apparatus according to the present invention may be realized by any one of the mobile terminal 10, the shop terminal 20, and the server device 30, or at least two or more of the mobile terminal 10, the shop terminal 20, or the server device 30. It may be realized by cooperation of terminals or devices. In this embodiment, an example in which the information processing apparatus according to the present invention is realized by the store terminal 20 will be described.

In payment systems currently in widespread use, the user intends to make a payment by bringing his/her mobile terminal close to the store terminal (that is, holding the mobile terminal over the store terminal). It clearly indicates that it is a user who is a user, and performs electronic payment via contactless communication such as NFC (Near field communication). In this embodiment, even if the user does not hold the mobile terminal over the store terminal, the electronic payment can be made while the mobile terminal is in the pocket of the user's clothes or in the bag, for example. Such payment that does not require the user to hold the mobile terminal over the store terminal is called touchless payment. The mechanism will be described in detail below.

FIG. 2 is a diagram showing the hardware configuration of the mobile terminal 10. As shown in FIG. The mobile terminal 10 is a computer that can be carried by a user, such as a smart phone, wearable terminal, or tablet terminal. The mobile terminal 10 physically includes a processor 1001, a memory 1002, a storage 1003, a network communication device 1004, an input device 1005, an output device 1006, a sensor 1007, a smart card 1008, a UWB (Ultra Wide Band) communication device 1009, and It is configured as a computer device including a bus for connecting them. Each of these devices operates with power supplied from a battery (not shown). Note that in the following description, the term "apparatus" can be read as a circuit, device, unit, or the like. The hardware configuration of the mobile terminal 10 may be configured to include one or a plurality of each device shown in the drawing, or may be configured without including some of the devices. Further, the mobile terminal 10 may be configured by connecting a plurality of devices each having a different housing for communication.

Each function in the mobile terminal 10 is performed by causing the processor 1001 to perform calculations, controlling communication by the network communication device 1004, and controlling the communication by the network communication device 1004 by loading predetermined software (programs) onto hardware such as the processor 1001 and the memory 1002 . It is realized by controlling at least one of data reading and writing in 1002 and storage 1003 .

The processor 1001, for example, operates an operating system to control the entire computer. The processor 1001 may be configured by a central processing unit (CPU) including an interface with peripheral devices, a control device, an arithmetic device, registers, and the like. Also, for example, a baseband signal processing unit, a call processing unit, and the like may be implemented by the processor 1001 .

The processor 1001 reads programs (program codes), software modules, data, etc. from at least one of the storage 1003 and the network communication device 1004 to the memory 1002, and executes various processes according to them. As the program, a program that causes a computer to execute at least part of the operations described later is used. The functional blocks of mobile terminal 10 may be implemented by a control program stored in memory 1002 and running on processor 1001 . Various types of processing may be executed by one processor 1001, but may also be executed by two or more processors 1001 simultaneously or sequentially. Processor 1001 may be implemented by one or more chips. Note that the program may be transmitted from the communication network 2 to the mobile terminal 10 via an electric communication line.

The memory 1002 is a computer-readable recording medium, and is composed of at least one of, for example, ROM (Read Only Memory), EPROM (Erasable Programmable ROM), EEPROM (Electrically Erasable Programmable ROM), and RAM (Random Access Memory). may be The memory 1002 may also be called a register, cache, main memory (main storage device), or the like. The memory 1002 can store executable programs (program code), software modules, etc. to perform the methods of the present invention.

The storage 1003 is a computer-readable recording medium, for example, an optical disc such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disc, a magneto-optical disc (for example, a compact disc, a digital versatile disc, a Blu-ray disk), smart card, flash memory (eg, card, stick, key drive), floppy disk, magnetic strip, and/or the like. Storage 1003 may also be called an auxiliary storage device.

The network communication device 1004 is hardware (transmitting/receiving device) for communicating between computers via the communication network 2 according to a communication standard such as LTE (Long Time Evolution). Also called a communication module. The network communication device 1004 includes a high-frequency switch, duplexer, filter, frequency synthesizer, etc. in order to realize at least one of frequency division duplex (FDD) and time division duplex (TDD). may be configured to include For example, a transmitting/receiving antenna, an amplifier section, a transmitting/receiving section, a transmission path interface, etc. may be implemented by the network communication device 1004 . The transmitter/receiver may be physically or logically separated from the transmitter and receiver.

The input device 1005 is an input device (for example, a key, microphone, switch, button, camera, etc.) that receives input from the outside. The output device 1006 is an output device (eg, display, speaker, LED lamp, etc.) that outputs to the outside. Note that the input device 2005 and the output device 2006 may be integrated (for example, a touch panel).

Sensor 1007 includes, for example, an acceleration sensor, a gyro sensor, or an orientation sensor. By analyzing the sensing data detected by the sensor 1007, the attitude and behavior of the mobile terminal 10 are specified.

Smart card 1008 is a storage medium that stores data for electronic payment. The smart card 1008 stores, for example, the identifier of the smart card 1008 and authentication information for authentication with the shop terminal 20 . In this embodiment, there is a one-to-one correspondence between the mobile terminal 10 and the smart card 1008 . Therefore, the identifier of smart card 1008 can be used as the identifier of mobile terminal 10 .

The UWB communication device 1009 is hardware (transmitting/receiving device) for performing wireless communication between computers (hereinafter referred to as UWB communication) according to the UWB communication standard. In UWB, three functions of positioning, radar, and wireless communication can be realized, and particularly in this embodiment, the functions of positioning and wireless communication are used. It is known that UWB positioning accuracy is relatively high. It is also known that UWB wireless communication has a longer communication distance than, for example, NFC wireless communication. Therefore, even when the user puts the mobile terminal 10 in his or her clothing pocket or bag, UWB wireless communication can be realized between the mobile terminal 10 and the store terminal 20 .

Each device such as processor 1001 and memory 1002 is connected by a bus for communicating information. The bus may be configured using a single bus, or may be configured using different buses between devices.

The mobile terminal 10 includes hardware such as a microprocessor, a digital signal processor (DSP), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array). Alternatively, the hardware may implement part or all of each functional block. For example, processor 1001 may be implemented using at least one of these pieces of hardware.

FIG. 3 is a diagram showing the hardware configuration of the store terminal 20. As shown in FIG. The store terminal 20 is an information processing device operated at the store. The store terminal 20 may be, for example, a computer integrated with a POS (Point of Sales) cash register, a computer connected to the POS cash register, or a computer called a settlement terminal. The hardware configuration of the store terminal 20 may be configured to include one or more of the devices shown in FIG. 3, or may be configured without some of the devices. Further, the shop terminal 20 may be configured by connecting a plurality of devices each having a different housing for communication.

The store terminal 20 is physically configured as a computer device including a processor 2001, a memory 2002, a storage 2003, a network communication device 2004, an input device 2005, an output device 2006, a UWB communication device 2007, and a bus connecting them. ing. Each function of the store terminal 20 is performed by loading predetermined software (program) onto hardware such as the processor 2001 and memory 2002, the processor 2001 performs calculations, and communication is performed by the network communication device 2004 or the UWB communication device 2007. and at least one of reading and writing data in the memory 2002 and the storage 2003. The processor 2001, the memory 2002, the storage 2003, the network communication device 2004, the input device 2005, the output device 2006, the UWB communication device 2007, and the bus connecting them are the processor 1001, memory 1002, storage 1003, network The hardware is the same as the communication device 1004, the input device 1005, the output device 1006, the UWB communication device 1009, and the bus connecting them. However, the network communication device 2004 does not need to be hardware for performing communication according to the communication standard of wireless communication like the network communication device 1004 of the portable terminal 10. It may also be hardware (transmitting/receiving device) for performing communication between computers via.

FIG. 4 is a diagram showing the hardware configuration of the server device 30. As shown in FIG. The hardware configuration of the server device 30 may be configured to include one or more of the devices shown in FIG. 4, or may be configured without some of the devices. Further, the server device 30 may be configured by connecting a plurality of devices having different housings for communication.

The server device 30 is physically configured as a computer device including a processor 3001, a memory 3002, a storage 3003, a network communication device 3004, an input device 3005, an output device 3006, and a bus connecting them. Each function in the server device 30 is performed by causing the processor 3001 to perform calculations, controlling communication by the network communication device 3004, and controlling the communication by the network communication device 3004 by causing the hardware such as the processor 3001 and the memory 3002 to load predetermined software (programs). It is realized by controlling at least one of data reading and writing in 3002 and storage 3003 . A processor 3001, a memory 3002, a storage 3003, a network communication device 3004, an input device 3005, an output device 3006, and a bus connecting them are the processor 2001, memory 2002, storage 2003, network communication device 2004, network communication device 2004 and The hardware is the same as the input device 2005, the output device 2006, and the bus connecting them.

FIG. 5 is a diagram showing an example of the functional configuration of the settlement system 1. As shown in FIG. In the store terminal 20 , the identifier specifying unit 21 specifies the identifier of the mobile terminal 10 that performs UWB communication with the store terminal 20 . As described above, there is a one-to-one correspondence between the mobile terminal 10 and the smart card 1008 , so the identifier stored in the smart card 1008 can be used as the identifier of the mobile terminal 10 . Therefore, in this embodiment, the identifier stored in the smart card 1008 is used as an identifier for identifying the mobile terminal 10 (hereinafter referred to as a terminal identifier). However, the terminal identifier does not have to be the identifier stored in the smart card 1008 and may be anything that can identify the mobile terminal 10 .

In the store terminal 20, the mobile position specifying unit 22 specifies the mobile position, which is the position where the mobile terminal 10 is carried on the user's body. In general, when a user makes a payment at a POS cash register, he/she carries the product to be purchased to the POS cash register and waits in front of the POS cash register until the payment is completed. In this embodiment, a 50-centimeter-square figure is drawn on the floor in front of the POS register (that is, the store terminal 20), and the user intending to make an electronic payment decides to stand in the center of the square figure. It is It is also assumed that the positions of the square figure and the POS cash register are so close that there is no space for other people to stand between them. A position where such a square figure is drawn is hereinafter referred to as a user waiting position, and a user standing at this user waiting position is assumed to be a user who intends to make a payment. In this case, the user who intends to make a payment maintains a determined posture (that is, a standing posture) at a determined user standby position. always have a determined positional relationship. For example, in front of the UWB communication device 2007 of the store terminal 20, the user stands facing the UWB communication device 2007 at a position 30 centimeters away from the UWB communication device 2007. FIG.

In this state, the location of the mobile terminal 10 on the user's body is specified by positioning using UWB communication between the mobile terminal 10 carried by the user and the UWB communication device 2007 of the shop terminal 20. be. Positions where the mobile terminal 10 exists on the user's body include, for example, the right chest pocket, the left chest pocket, the right waist pocket, the right waist back pocket, the left waist front pocket, the left waist back pocket, and the right hand pocket. It is distinguished by classification such as holding, holding in the left hand, in the handbag held in the right hand, in the handbag held in the left hand, and in the bag carried on the back. However, division of the position of the mobile terminal 10 on the user's body is not limited to these examples.

In general, the UWB communication device 2007 performs positioning of the mobile terminal 10 using UWB communication. It is difficult to measure the position of the user's body. Therefore, in the present embodiment, by fixing the positional relationship between the UWB communication device 2007 of the shop terminal 20 and the user's body, it is possible to specify the position of the mobile terminal 10 on the user's body. there is

The orientation identification unit 23 identifies the orientation of the mobile terminal 10 . Specifically, based on the sensing data detected by the sensor 1007 of the mobile terminal 10, the orientation identification unit 23 determines whether the display surface of the mobile terminal 10 is oriented vertically upward (hereinafter referred to as forward orientation). direction), vertically downward (hereinafter referred to as the opposite direction), or whether the right side face of the mobile terminal 10 faces vertically upward when the user views the display of the mobile terminal 10 (hereinafter referred to as the upper right direction). ), and whether the left side face of the mobile terminal 10 faces upward in the vertical direction when the user views the display of the mobile terminal 10 (hereinafter referred to as the upper left direction). However, the classification of the posture of the mobile terminal 10 is not limited to these examples.

The behavior identifying unit 24 identifies behavior of the mobile terminal 10 . Specifically, posture identification unit 23 analyzes sensing data detected by sensor 1007 of mobile terminal 10 in time series to identify movement of mobile terminal 10 (that is, movement of the user). Since each user is free to move within the commercial store, it is conceivable that some users may pass through the above-described user waiting position without intending to make an electronic payment, for example. Therefore, in the present embodiment, based on the behavior of the mobile terminal 10 identified by the behavior identifying unit 24, the behavior falls within a predetermined range so as not to identify such a user as a user who intends to make a payment. The mobile terminal 10 (that is, the mobile terminal 10 that is almost stationary) is specified.

The permitting unit 25 determines whether or not to permit the user of the mobile terminal 10 to perform electronic payment. Therefore, the permitting unit 25 first measures the distance from the store terminal 20 to the mobile terminal 10 using the UWB positioning function. The distance measured here is more accurately the distance between the UWB communication device 2007 of the store terminal 20 and the UWB communication device 1009 of the portable terminal 10 . Based on the measured distance and the behavior of the mobile terminal 10 identified by the behavior identifying unit 24, the permitting unit 25 determines that the mobile terminal 10 exists within a predetermined distance from the own device (store terminal 20) and the behavior is within a predetermined range. specifies the mobile terminal 10 that fits in. As described above, the positions of the user waiting position and the POS cash register are so close that there is no space for a person to stand between them. Therefore, if the above-mentioned "predetermined distance" is about the distance between the user waiting position and the POS cash register (store terminal 20), the permitting unit 25 allows a plurality of users carrying the mobile terminals 10 in the store to Among them, the user who is closest to the POS cash register (store terminal 20) and who does not move much is the mobile terminal 10 (that is, the user who carries such a mobile terminal 10 and is almost stationary near the store terminal 20). users) can be identified. In this way, the identified mobile terminal 10 is regarded as the mobile terminal 10 of the user who intends to make the payment, and is subject to determination as to whether or not the user permits the electronic payment. Appropriate values for the "predetermined distance range" and "predetermined behavior range" as thresholds used when identifying such mobile terminal 10 are determined experimentally or by simulation. It is stored in permission unit 25 .

Then, permission unit 25 determines whether or not the mobile location specified by mobile location specifying unit 22 matches the payment conditions associated with the terminal identifier of mobile terminal 10 specified by identifier specifying unit 21. , and if both match, the electronic payment using that terminal identifier is permitted. On the other hand, if the mobile location specified by the mobile location specifying unit 22 does not match the payment conditions associated with the terminal identifier of the mobile terminal 10 specified by the identifier specifying unit 21, the permission unit 25 Do not allow electronic payments using identifiers.

Here, FIG. 6 is an example of the payment terms stored in the payment terms storage unit 31 of the server device 30 . As shown in FIG. Payment conditions including the carrying position and posture of the mobile terminal 10 are stored in association with the terminal identifier of each mobile terminal 10 . For example, the payment conditions under which electronic payment is permitted for the user of the mobile terminal 10 with the terminal identifier “ID001” are that the mobile terminal 10 is carried in the pocket of the right chest, and the posture of the mobile terminal 10 is forward. Orientation. As for these payment conditions, for example, the contents specified in advance by the user of each mobile terminal 10 are stored in the payment condition storage unit 31 . In other words, only the legitimate user of the mobile terminal 10 can know the payment terms associated with each mobile terminal 10 . Therefore, a third party who illegally obtains the mobile terminal 10 that the user should be carrying, or a third party who illegally logs in to another person's electronic payment service with his/her own mobile terminal 10 cannot make a payment known to the legitimate user. I don't know the conditions. Therefore, when electronic payment is required at a commercial store or the like, a user who carries the mobile terminal 10 in a way that meets such payment conditions is regarded as a legitimate user of the mobile terminal 10. be able to.

Note that the payment terms corresponding to one terminal identifier are not limited to one type. In the example of FIG. 6, the payment conditions under which electronic payment is permitted for the user of the mobile terminal 10 with the terminal identifier "ID001" are that the mobile terminal 10 is carried in the right chest or left chest pocket, and The posture of the mobile terminal 10 may be in the forward direction. It may be a chest pocket and the orientation of the mobile terminal may be in the forward or reverse direction.

Returning to the description of FIG. 5, in the store terminal 20, the payment data communication unit 26 performs data communication related to payment through UWB communication with the UWB communication device 1009 of the mobile terminal 10 for which electronic payment is permitted by the permission unit 25. conduct. In the server device 30, the payment data communication unit 32 performs data communication regarding payment with the payment data communication unit 26 of the store terminal 20 by UWB communication.

[motion]
Next, the operation of the payment system 1 will be described with reference to FIG. In the following description, for example, when the shop terminal 20 is described as a processing subject, specific software (program) is loaded onto hardware such as the processor 2001 and the memory 2002 so that the processor 2001 performs an operation, and processing is executed by controlling communication by the network communication device 2004 or UWB communication device 2007 and data reading and/or writing in the memory 2002 and storage 2003 . The same applies to the mobile terminal 10 as well.

In FIG. 7, the UWB communication device 2007 of the store terminal 20 periodically transmits a polling signal to the commercial store where the store terminal 20 is installed. When the user enters the commercial store, the UWB communication device 1009 of the mobile terminal 10 carried by the user receives the polling signal from the UWB communication device 2007 of the store terminal 20 . In response to receiving this polling signal, the mobile terminal 10 starts UWB communication with the store terminal 20 and starts detection of acceleration or the like by the sensor 1007 . The detection by this sensor 1007 is repeatedly performed at sufficiently short time intervals. The sensing data detected by the sensor 1007 is transmitted to the shop terminal 20 by UWB communication together with the terminal identifier stored in the smart card 1008 (step S11).

In the store terminal 20, the permitting unit 25 identifies the mobile terminal 10 to be determined as to whether to permit electronic payment (step S12). In this process, the distance from the user's body to the mobile terminal 10 is measured using the UWB positioning function, and the behavior of the mobile terminal 10 is specified based on the sensing data. This positioning is repeatedly performed for each mobile terminal 10 at sufficiently short time intervals. The permission unit 25 sets the conditions that the measured position of the mobile terminal 10 is within a predetermined distance range from the own device (store terminal 20) and the behavior of the mobile terminal 10 is within a predetermined range. It is determined whether or not (hereinafter referred to as a stationary condition) is satisfied. This stationary condition includes a condition that whether or not the time-series displacement of the acceleration when present within a predetermined distance range from the store terminal 20 is within a threshold value (this is referred to as a first stationary condition); A condition (this is referred to as a second stationary condition ) and If the time-series displacement of acceleration is within the threshold value under the first stationary condition and the displacement of the distance is within the threshold value under the second condition, the mobile terminal 10 is considered to be substantially stationary at the user standby position. Conceivable.

For example, if the time-series displacement of the acceleration is within the threshold value under the first stationary condition, the portable terminal 10 is considered to be substantially stationary (that is, the user holding the portable terminal 10 is also substantially stationary). good too. However, even if the user stops at the user waiting position, the user may shake the body or move the hand, for example. Therefore, the threshold value used in the first stationary condition must be a value of a certain magnitude in consideration of such body movements of the user. However, when such a threshold value of a certain magnitude is used in the first stationary condition, for example, a user who is moving extremely slowly while holding the mobile terminal 10 may be mistaken as a user who intends to make a payment. There is a possibility that it will be identified by Therefore, in this embodiment, in addition to the first stationary condition focusing on the relative displacement of the mobile terminal 10, the second stationary condition focusing on the absolute displacement of the mobile terminal 10 is used. This reduces the possibility of erroneously recognizing a user who intends to make a payment.

Then, when it is determined that all of the stationary conditions including the first stationary condition and the second stationary condition are satisfied, the permitting unit 25 sends the measured mobile position and orientation of the mobile terminal 10 to the server device 30. Notify (step S13). The server device 30 compares the mobile position and posture transmitted from the store terminal 20 with the stored contents of the payment condition storage unit 31 (step S14), and the comparison result is transmitted from the server device 30 to the store terminal 20. (step S15).

In the store terminal 20, the permitting unit 25 permits settlement using the terminal identifier when the identified mobile phone position matches the payment conditions associated with the terminal identifier of the mobile terminal 10 (step S16). ). Then, the payment data communication unit 26 performs data communication regarding payment with the mobile terminal 10 according to a well-known procedure (step S17). Data communication regarding this payment includes, for example, authentication of the smart card 1008 and notification of the payment amount. The data acquired by this data communication is transmitted from the store terminal 20 to the server device 30 via the communication network 2 . Then, data communication regarding payment is performed between the store terminal 20 and the server device 30 according to a well-known procedure (step S18). Then, the server device 30 performs processing related to electronic payment. Specifically, the server device 30 collects the settlement amount from the user using the bank account or credit card corresponding to the terminal identifier, and sends the settlement amount to a financial institution such as a bank or a credit card company. Perform notification processing. In addition, when the server device 30 itself is under the control of a financial institution, when the server device 30 manages the balance prepaid by the user, or when the server device 30 provides value information called points given to the user When doing so, the server device 30 itself performs processing such as registering the settlement amount and the like in association with the terminal identifier.

According to the embodiment described above, whether or not to allow electronic payment is determined based on the carrying position and orientation of the mobile terminal 10. Therefore, for example, whether or not electronic payment is permitted is determined based only on the orientation of the mobile terminal 10. Compared to such a mechanism, the effect of suppressing unauthorized use is higher. In addition, even if the user does not perform an operation to clearly indicate that the payment will be made, it is possible to accurately identify the user who will make the payment and perform the electronic payment.

[Modification]
The invention is not limited to the embodiments described above. The embodiment described above may be modified as follows. Also, two or more of the following modified examples may be combined for implementation.
[Modification 1]
In the above-described embodiment, whether or not to permit electronic payment is determined based on the payment conditions regarding the carrying position and orientation of the mobile terminal 10, but the payment conditions regarding the orientation of the mobile terminal 10 are not necessarily essential. In other words, the permission unit 25 may determine permission for electronic payment based on the position of the mobile terminal 10 on the user's body.

Since the height differs depending on the user, for example, the payment conditions may include the height of the user who carries the mobile terminal 10 with the terminal identifier. In this case, the authorization unit 25 uses the height included in the payment conditions as a guide to recognize the position of the mobile terminal 10 on the user's body in the height direction, and the carrying position is, for example, the chest pocket or the waist. It suffices to specify that it is a pocket or the like.

[Modification 2]
In the above-described embodiment, the mobile position specifying unit 22 determines the mobile position of the mobile terminal 10 by positioning using UWB communication, on the premise that the user's body always has a predetermined positional relationship with respect to the UWB communication device 2007 of the store terminal 20 . was identified. If the user's body does not always have a predetermined positional relationship with respect to the UWB communication device 2007 of the shop terminal 20, the mobile phone position specifying unit 22 determines the mobile phone position on the user's body based on the change in the position of the mobile terminal 10. You may make it specify a position. For example, as a payment condition related to the mobile phone position, the payment condition is that the mobile terminal 10 is moved from the user's waist pocket to the chest pocket from the time point before the electronic payment is requested to the time when the electronic payment is requested. Register. In this case, the mobile position specifying unit 22 calculates the amount of change and the direction of change when the position of the mobile terminal 10 carried by the user is changed using UWB communication with the mobile terminal 10, thereby determining the position of the mobile terminal 10. Identify changes in position. Then, the permitting unit 25 compares the content of the specified change in the mobile phone position with the settlement conditions, and determines whether or not to permit the electronic settlement.

[Modification 3]
The payment terms described above may vary according to some rules. For example, payment terms may vary depending on the payment amount or type of transaction. For example, the payment conditions when the payment amount is equal to or greater than the threshold may be made stricter than the payment conditions when the payment amount is less than the threshold. Specifically, in the example of FIG. 6, the payment conditions under which electronic payment is permitted for the user of the mobile terminal 10 with the terminal identifier "ID001" are set to: If the position of the mobile terminal 10 is in the pocket of the right chest, the posture of the mobile terminal is in the forward direction, and the amount of payment is less than the threshold, the carrying position of the mobile terminal 10 is the pocket of the right chest or the left chest, and the mobile terminal may be oriented in the forward or reverse direction. This is based on the idea that when the payment amount is large, it is desirable to check the legitimacy of the user who intends to make the payment more strictly.

Payment terms may also vary depending on the type of commercial transaction conducted in response to electronic payment, and the location or time of the transaction. As types of commercial transactions, for example, commercial transactions such as sales of products and commercial transactions such as provision of transportation services can be considered. When the store terminal according to the present invention is installed at, for example, a railway ticket gate, and the user carrying the mobile terminal 10 passes through the ticket gate slowly or after temporarily stopping at the ticket gate, the above embodiment and the In a similar manner, a form of use such as permitting electronic payment is also conceivable. In this case, the passage of the ticket gate through which the user passes corresponds to the user waiting position. In the case of such a commercial transaction of selling products and a commercial transaction of providing transportation services, the payment conditions for the former (sale of products) are set such that the mobile terminal 10 is carried in the pocket of the right chest, and the mobile terminal , and the payment condition for the latter (provision of transportation service) may be that the mobile terminal 10 is carried in the left chest pocket and the mobile terminal is oriented forward. Different settlement conditions for each type of commercial transaction would be more effective in suppressing fraudulent use. Similarly, it is conceivable to have different payment terms depending on the place or time at which the transaction takes place.

[Modification 4]
For example, when a plurality of users are in a relationship of friends or parents and children, they may move together in close proximity to each other. can be. When the portable terminal 10 existing at the user waiting position and substantially stationary cannot be identified as one, that is, exists within a predetermined distance range from the store terminal 20 and the behavior falls within a predetermined range. When there are a plurality of mobile terminals 10 as mobile terminals, the permission unit 25 may determine whether or not to allow electronic payment for each of these mobile terminals 10 . Then, if the payment conditions are satisfied for any one of these mobile terminals 10, the permitting unit 25 permits electronic payment for that mobile terminal 10. FIG. If two or more mobile terminals 10 out of these mobile terminals 10 satisfy the payment conditions, the permission unit 25 allows electronic payment to the mobile terminal 10 with the higher priority. This priority is given to a plurality of mobile terminals 10 belonging to a pre-registered group. determined in advance. In other words, in the case of this example, the permission unit 25 selects a plurality of mobile terminals 10 carried by parents and children as mobile terminals that are within a predetermined distance range from the store terminal 20 and whose behavior is within a predetermined range. When specified, electronic payment is permitted for the mobile terminal 10 carried by the parent in accordance with the order of priority. This priority is stored in the settlement condition storage unit 31 in association with the terminal identifier for each group, and the permission unit 25 refers to the stored priority to determine whether or not to permit electronic settlement.

The order of priority may be a privilege given to each user of the portable terminal 10 after payment, or a priority order determined according to the amount of money to be settled (referred to as the amount of payment). For example, of two users u1 and u2 who are in a friend relationship, one user u1 is a member of a commercial store, and is given some benefits (for example, points that can be used by the user) in accordance with the purchase of products. However, the other user u2 is assumed to be a user to whom such privileges are not granted. Whether or not the user to whom the privilege is granted is associated with the terminal identifier and stored in the payment condition storage unit 31. low number of users who do not Therefore, in the case of this example, the permission unit 25 selects a plurality of mobile terminals 10 carried by the users u1 and u2 as mobile terminals that are within a predetermined distance range from the shop terminal 20 and whose behavior falls within a predetermined range. When it is specified, it is determined whether or not to permit electronic payment for the mobile terminal 10 carried by user u1 according to the order of priority.

[Modification 5]
In the above-described embodiment, the store terminal 20 includes the identifier identifying section 21, the mobile position identifying section 22, the posture identifying section 23, the behavior identifying section 24, and the permitting section 25, and the server device 30 includes the payment condition storage section 31. However, each of these functions may be provided in any one of the mobile terminal 10, the store terminal 20, and the server device 30. FIG. For example, if the mobile terminal 10 has a mobile position specifying unit that specifies the mobile position, which is the position where the mobile terminal is carried on the user's body, and the specified mobile position matches the payment conditions of the mobile terminal 10, , and a permitting unit that permits settlement using the identifier of the own terminal. Further, in this case, the mobile terminal 10 is provided with a computer, a mobile position specifying unit for specifying a mobile position, which is a position where the mobile terminal is carried on the user's body, If it matches, it stores a program for realizing a permitting unit that permits settlement using the identifier of its own terminal.

[Modification 6]
The method for performing wireless communication and positioning between the mobile terminal 10 and the store terminal 20 is not limited to using UWB.

[Other Modifications]
It should be noted that the block diagrams used in the description of the above embodiments show blocks in units of functions. These functional blocks (components) are implemented by any combination of at least one of hardware and software. Also, the method of realizing each functional block is not particularly limited. That is, each functional block may be implemented using one device physically or logically coupled, or directly or indirectly using two or more physically or logically separated devices (e.g. , wired, wireless, etc.) and may be implemented using these multiple devices. A functional block may be implemented by combining software in the one device or the plurality of devices.

Functions include judging, determining, determining, calculating, calculating, processing, deriving, examining, searching, checking, receiving, transmitting, outputting, accessing, resolving, selecting, choosing, establishing, comparing, assuming, expecting, assuming, Broadcasting, notifying, communicating, forwarding, configuring, reconfiguring, allocating, mapping, assigning, etc. can't For example, a functional block (component) that makes transmission work is called a transmitting control unit (transmitting unit) or a transmitter (transmitter). In either case, as described above, the implementation method is not particularly limited.

For example, a store terminal or the like according to an embodiment of the present disclosure may function as a computer that performs processing of the present disclosure.

Each aspect/embodiment described in the present disclosure includes LTE (Long Term Evolution), LTE-A (LTE-Advanced), SUPER 3G, IMT-Advanced, 4G (4th generation mobile communication system), 5G (5th generation mobile communication system), FRA (Future Radio Access), NR (new Radio), W-CDMA (registered trademark), GSM (registered trademark), CDMA2000, UMB (Ultra Mobile Broadband), IEEE 802.11 (Wi-Fi (registered trademark) )), IEEE 802.16 (WiMAX®), IEEE 802.20, UWB (Ultra-WideBand), Bluetooth®, other suitable systems, and extended It may be applied to at least one of the next generation systems. Also, a plurality of systems may be applied in combination (for example, a combination of at least one of LTE and LTE-A and 5G, etc.).

The processing procedures, sequences, flowcharts, etc. of each aspect/embodiment described in this disclosure may be rearranged as long as there is no contradiction. For example, the methods described in this disclosure present elements of the various steps using a sample order, and are not limited to the specific order presented.

Input/output information and the like may be stored in a specific location (for example, memory), or may be managed using a management table. Input/output information and the like can be overwritten, updated, or appended. The output information and the like may be deleted. The entered information and the like may be transmitted to another device.

The determination may be made by a value represented by one bit (0 or 1), by a true/false value (Boolean: true or false), or by numerical comparison (for example, a predetermined value).

Although the present disclosure has been described in detail above, it should be apparent to those skilled in the art that the present disclosure is not limited to the embodiments described in this disclosure. The present disclosure can be practiced with modifications and variations without departing from the spirit and scope of the present disclosure as defined by the claims. Accordingly, the description of the present disclosure is for illustrative purposes and is not meant to be limiting in any way.

Software, whether referred to as software, firmware, middleware, microcode, hardware description language or otherwise, includes instructions, instruction sets, code, code segments, program code, programs, subprograms, and software modules. , applications, software applications, software packages, routines, subroutines, objects, executables, threads of execution, procedures, functions, and the like. Software, instructions, information, etc. may also be sent and received over a transmission medium. For example, the software uses wired technology (coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL), etc.) and/or wireless technology (infrared, microwave, etc.) to create websites, Wired and/or wireless technologies are included within the definition of transmission medium when sent from a server or other remote source.

Information, signals, etc. described in this disclosure may be represented using any of a variety of different technologies. For example, data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description may refer to voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, light fields or photons, or any of these. may be represented by a combination of
The terms explained in this disclosure and the terms necessary for understanding the present disclosure may be replaced with terms having the same or similar meanings.

In addition, the information, parameters, etc. described in the present disclosure may be expressed using absolute values, may be expressed using relative values from a predetermined value, or may be expressed using other corresponding information. may be represented.

As used in this disclosure, the phrase "based on" does not mean "based only on," unless expressly specified otherwise. In other words, the phrase "based on" means both "based only on" and "based at least on."

Any reference to elements using the "first," "second," etc. designations used in this disclosure does not generally limit the quantity or order of those elements. These designations may be used in this disclosure as a convenient method of distinguishing between two or more elements. Thus, reference to a first and second element does not imply that only two elements can be employed or that the first element must precede the second element in any way.

The "unit" in the configuration of each device described above may be replaced with "means", "circuit", "device", or the like.

Where "include," "including," and variations thereof are used in this disclosure, these terms are inclusive, as is the term "comprising." is intended. Furthermore, the term "or" as used in this disclosure is not intended to be an exclusive OR.

In this disclosure, where articles have been added by translation, such as a, an, and the in English, the disclosure may include the plural nouns following these articles.

In the present disclosure, the term "A and B are different" may mean "A and B are different from each other." The term may also mean that "A and B are different from C". Terms such as "separate," "coupled," etc. may also be interpreted in the same manner as "different."

1: payment system, 2: communication network, 10: mobile terminal, 1001: processor, 1002: memory, 1003: storage, 1004: network communication device, 1005: input device, 1006: output device, 1007: sensor, 1008: smart card, 1009: UWB communication device, 20: shop terminal, 21: identifier identification unit, 22: mobile position identification unit, 23: posture identification unit, 24: behavior identification unit, 25: permission unit, 26: payment data communication unit, 2001: processor, 2002: memory, 2003: storage, 2004: network communication device, 2005: input device, 2006: output device, 2007: UWB communication device, 30: server device, 31: payment condition storage unit, 32: payment data Communication unit, 3001: processor, 3002: memory, 3003: storage, 3004: network communication device, 3005: input device, 3006: output device.

Claims (7)

an identifier identification unit that performs wireless communication with a mobile terminal carried by a user and identifies an identifier of the mobile terminal ;
A mobile position, which is a position where the mobile terminal is carried on the user's body by positioning using wireless communication with the mobile terminal carried by the user maintaining a determined posture at a determined position a mobile locator that identifies the
and a permitting unit that permits payment using the identified identifier of the mobile terminal when the identified mobile terminal location matches the payment conditions associated with the identifier of the identified mobile terminal. processing equipment. a mobile position specifying unit that uses wireless communication with the mobile terminal to calculate a change amount and a change direction when the position of the mobile terminal carried by the user is changed ;
The permission unit permits payment using the identifier when the specified change amount and change direction of the mobile phone position match the payment conditions.
2. The information processing apparatus according to claim 1, wherein: An orientation identification unit that identifies an orientation of the mobile terminal,
wherein the permission unit permits payment using the identified identifier of the mobile terminal when the identified mobile phone position and orientation match the payment conditions associated with the identified identifier of the mobile terminal. 3. The information processing apparatus according to claim 1 or 2 . The information processing apparatus according to any one of claims 1 to 3 , wherein the payment conditions differ according to the amount of money to be settled. 5. The information processing apparatus according to any one of claims 1 to 4 , wherein the payment conditions differ according to the type, place, or time of commercial transaction performed according to the payment. A behavior identifying unit that identifies behavior of the mobile terminal,
Based on the carrying position specified by the carrying position specifying part and the behavior specified by the behavior specifying part, the permission part exists within a predetermined distance range from the own device and the behavior is within a predetermined range. 6. The information processing apparatus according to any one of claims 1 to 5 , wherein the mobile terminal that fits in the mobile terminal is subject to the permission. to the computer ,
an identifier identification unit that performs wireless communication with a mobile terminal carried by a user and identifies an identifier of the mobile terminal ;
A mobile position, which is a position where the mobile terminal is carried on the user's body by positioning using wireless communication with the mobile terminal carried by the user maintaining a determined posture at a determined position a mobile locator that identifies the
and a permitting unit that permits payment using the identified identifier of the mobile terminal when the identified mobile terminal location matches the payment conditions associated with the identifier of the identified mobile terminal.

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