JP7363430B2 - Payment systems, payment methods and programs - Google Patents

Description

The present invention relates to a terminal, a payment system, a payment method, and a program.

In electronic payment, a so-called user scan method is sometimes used. In the user scan method, store information is read by a terminal owned by the purchaser, the purchase amount is input into the terminal, communication is made with the server, and payment is made by the server. When the payment is completed, a payment completion image will be displayed on the terminal to indicate that the payment has been completed. The store staff checks the payment completion image displayed on the terminal to confirm that the payment was made properly. Further, for example, Patent Document 1 describes that when a purchaser makes a payment by communicating with a server from a user device owned by the purchaser, an order and the user device are linked.

JP 2016-201099 Publication

In this way, in the user scan method, the store staff confirms whether the payment has been made appropriately by checking the payment completion image displayed on the purchaser's terminal. Therefore, for example, store staff may not notice that they have been shown a forged payment completion image, and may mistakenly believe that the store has made a payment when in fact no payment has been made. Therefore, in electronic payment using the user scan method, there is a need to be able to confirm whether the payment has been made appropriately.

SUMMARY OF THE INVENTION In view of the above problems, an object of the present invention is to provide a terminal, a payment system, a payment method, and a program that can confirm whether the payment has been properly made in user scan type electronic payment.

A terminal according to one aspect of the present invention is a terminal owned by a purchaser that is used to settle the amount charged by a store when a transaction is made at a store whose location is fixed, and the terminal has information about the store. a store information acquisition unit that acquires store information; a terminal information acquisition unit that acquires terminal information indicating the location of the terminal when making a transaction at the store; and information that transmits the store information and the terminal information to a server. When the transmitter and the server determine that the location information of the store acquired from the store information and the terminal information match, a confirmation image uniquely assigned to the store is acquired from the server. and a display control unit that displays a payment completion image including the confirmation image.

A payment system according to one aspect of the present invention includes the terminal and the server, wherein the server includes a server information acquisition unit that acquires the store information and the terminal information from the terminal. , a determination unit that determines whether the location information of the store obtained from the store information and the terminal information match; and a determination unit that determines whether the location information of the store obtained from the store information and the terminal information match. The image forming apparatus includes an image generation section that generates the confirmation image and an image transmission section that transmits the confirmation image to the terminal.

A payment method according to one aspect of the present invention is a payment method using a terminal owned by a purchaser, which is used for payment of an amount billed from a store when a transaction is made at a store with a fixed location. a store information acquisition step of acquiring store information that is information about the store; a terminal information acquisition step of acquiring terminal information indicating the location of the terminal when making a transaction at the store; and a terminal information acquisition step of acquiring the store information and the terminal information a step of transmitting information to the store; and when the server determines that the location information of the store acquired from the store information and the terminal information match, the server uniquely assigns information to the store. The method includes a confirmation image acquisition step of acquiring a confirmation image, and a display control step of displaying a payment completion image including the confirmation image.

A program according to one aspect of the present invention is a program that causes a terminal-type computer owned by a purchaser to execute a payment method used for payment of an amount billed from a store when a transaction is made at a store with a fixed location. a store information acquisition step of acquiring store information that is information about the store; a terminal information acquisition step of acquiring terminal information indicating the location of the terminal when making a transaction at the store; the store information; and an information transmitting step of transmitting the terminal information to a server, and when the server determines that the location information of the store acquired from the store information and the terminal information match, the server sends the terminal information to the store. The computer is caused to execute a confirmation image acquisition step of acquiring a confirmation image uniquely assigned to the transaction, and a display control step of displaying a payment completion image including the confirmation image.

According to the present invention, it is possible to confirm whether the payment has been appropriately made in the electronic payment using the user scan method.

FIG. 1 is a schematic diagram of a payment system according to a first embodiment. FIG. 2 is a schematic block diagram of the terminal according to the first embodiment. FIG. 3 is a schematic block diagram of the server according to the first embodiment. FIG. 4 is a diagram showing an example of a store information acquisition image. FIG. 5 is a diagram illustrating an example of an amount information acquisition image. FIG. 6 is a schematic diagram showing an example of elements of a confirmation image. FIG. 7 is a schematic diagram showing an example of elements of a confirmation image. FIG. 8 is a schematic diagram showing an example of elements of a confirmation image. FIG. 9 is a diagram showing an example of a payment completion image. FIG. 10 is a flowchart illustrating the electronic payment process according to the first embodiment. FIG. 11 is a schematic block diagram of a server according to a first modification. FIG. 12 is a flowchart illustrating a flow for determining position information according to the first modification. FIG. 13 is a schematic diagram of a payment system according to the second embodiment. FIG. 14 is a schematic block diagram of a server according to the second embodiment. FIG. 15 is a flowchart illustrating a flow for determining position information according to the second embodiment.

Embodiments of the present invention will be described in detail below based on the drawings. Note that the present invention is not limited to the embodiments described below.

(First embodiment)
(Settlement system configuration)
FIG. 1 is a schematic diagram of a payment system according to a first embodiment. As shown in FIG. 1, the payment system 1 according to this embodiment includes a terminal 10 and a server 12. The payment system 1 is a system that performs electronic payment when a purchaser B purchases a product or service at a store A, and performs electronic payment using a user scan method. In the first embodiment, store A is a fixed store with a fixed location. Store A is provided with a store information display section 14. The store information display section 14 displays an identifier indicating the store information I1. The store information I1 is information about the store A, as will be described later, and the identifier indicating the store information I1 is an identifier that includes the store information I1. The identifier here may be arbitrary, and may be, for example, a QR code (registered trademark). The store information display section 14 may be any device that displays an identifier indicating the store information I1. For example, it may be a member on which an identifier indicating the store information I1 is printed, or it may be a member that displays an identifier indicating the store information I1. It may be a display device that displays an identifier indicating I1. Further, the payment system 1 may include a store information display section 14.

When performing electronic payment using the user scan method, purchaser B reads the store information I1 displayed on the store information display section 14 using the terminal 10 that he or she owns, and uses the store information I1 and the information from store A. Amount information I2, which is information on the billed amount, is transmitted from the terminal 10 to the server 12. The server 12 performs the payment using the store information I1 and the amount information I2, and when the payment is completed, an image indicating that the payment has been completed is displayed on the terminal 10. Staff C of store A confirms whether the payment has been made properly by checking the image displayed on the terminal 10 indicating that the payment has been completed. In other words, it can be said that the user scan method is a method in which payment is made using the terminal 10 of the purchaser B instead of the store A side. Note that the payment system 1 only needs to be configured to enable electronic payment using at least the user scan method. For example, in addition to electronic payment using the user scan method, the payment system 1 may also be configured to use a store scan method in which payment is made by communication from the store A side. It may also be configured to allow electronic payment.

(Terminal configuration)
FIG. 2 is a schematic block diagram of the terminal according to the first embodiment. The terminal 10 included in the payment system 1 is a mobile terminal owned by the purchaser B. The terminal 10 is a portable computer, and may be, for example, a smartphone, a tablet, or the like. As shown in FIG. 2, the terminal 10 includes an input section 20, a display section 22, a storage section 24, a communication section 26, and a control section 28. The input unit 20 is a device that receives operations from purchaser B, and is, for example, a touch panel. The display unit 22 is a display device that displays images. The storage unit 24 is a memory that stores calculation contents and program information of the control unit 28, and includes, for example, a RAM (Random Access Memory), a main storage device such as a ROM (Read Only Memory), and an HDD (Hard Drive). (Disk Drive) and other external storage devices. The communication unit 26 is a communication module that communicates with an external device such as the server 12, and is, for example, an antenna.

The control unit 28 is a calculation device, that is, a CPU (Central Processing Unit). The control unit 28 includes a store information acquisition unit 30, an amount information acquisition unit 32, a terminal information acquisition unit 34, an information transmission unit 36, a confirmation image acquisition unit 38, a payment completion image generation unit 40, and a display control unit 42. The control unit 28 reads a program (software) from the storage unit 24 and executes the program to obtain a store information acquisition unit 30, an amount information acquisition unit 32, a terminal information acquisition unit 34, an information transmission unit 36, a confirmation image acquisition unit 38, A payment completion image generation unit 40 and a display control unit 42 are implemented and processes are executed by them. Note that the control unit 28 may execute these functions using one CPU, or may include a plurality of CPUs and execute these functions using the plurality of CPUs. In addition, at least a portion of the store information acquisition section 30, amount information acquisition section 32, terminal information acquisition section 34, information transmission section 36, confirmation image acquisition section 38, payment completion image generation section 40, and display control section 42 are implemented in hardware. It may be realized by a hardware circuit. These functions of the control unit 28 will be explained later.

(Server configuration)
FIG. 3 is a schematic block diagram of the server according to the first embodiment. The server 12 included in the payment system 1 is a computer. The server 12 performs electronic payment based on information from the terminal 10. As shown in FIG. 3, the server 12 includes a storage section 50, a communication section 52, and a control section 54. The storage unit 50 is a memory that stores calculation contents and program information of the control unit 28, and includes, for example, a main storage device such as a RAM (Random Access Memory), a ROM (Read Only Memory), and an HDD (Hard Drive). (Disk Drive) and other external storage devices. The communication unit 52 is a communication module that communicates with an external device such as the terminal 10, and is, for example, an antenna. The server 12 and the terminal 10 transmit and receive payment information via the communication unit 52 and the communication unit 26. The method of transmitting and receiving payment information is a wireless communication method in this embodiment, but any communication method may be used.

The control unit 54 is a calculation device, that is, a CPU (Central Processing Unit). The control unit 54 includes a server information acquisition unit 60, a determination unit 62, a payment unit 64, an image generation unit 66, and an image transmission unit 68. The control unit 54 realizes a server information acquisition unit 60, a determination unit 62, a payment unit 64, an image generation unit 66, and an image transmission unit 68 by reading out and executing a program from the storage unit 50, and performs processing by them. Execute. Note that the control unit 54 may execute these functions using one CPU, or may include a plurality of CPUs and execute these functions using the plurality of CPUs. Further, at least a portion of the server information acquisition section 60, the determination section 62, the payment section 64, the image generation section 66, and the image transmission section 68 may be realized by a hardware circuit.

(electronic payment)
Next, electronic payment using the terminal 10 and server 12 will be explained. When performing electronic payment, the store information acquisition unit 30 of the terminal 10 acquires the store information I1 of the store A. Store information I1 is information uniquely assigned to store A, in other words, information that identifies store A from other stores. That is, the store information I1 differs depending on the store. Store information I1 is associated with location information I1a. The location information I1a is information indicating the location of the store A, and is set in advance. The location information I1a is information indicating, for example, the address of the store A and its coordinates on the earth.

FIG. 4 is a diagram showing an example of a store information acquisition image. In this embodiment, when making an electronic payment, the purchaser B operates the input unit 20 of the terminal 10 to read an application (software) for electronic payment. When the electronic payment application is read, the terminal 10 causes the store information acquisition unit 30 to display the store information acquisition image P1 on the display unit 22. Store information acquisition image P1 is an image for acquiring store information I1. As shown in FIG. 4, the store information acquisition image P1 is an image for imaging, and includes a frame P1a indicating an imaging range. Purchaser B places the identifier displayed on the store information display section 14 (the identifier indicating the store information I1) within the frame P1a, and operates the input section 20 to take an image. The store information acquisition unit 30 acquires store information I1 from the imaged identifier. However, the method of acquiring the store information I1 by the store information acquisition unit 30 is not limited to this, and may be arbitrary.

Further, when performing electronic payment, the amount information acquisition unit 32 of the terminal 10 acquires amount information I2. Amount information I2 is information about the amount charged by store A when purchaser B makes a transaction at store A. In other words, the billed amount is the purchase price of purchaser B at store A, and is the amount presented by staff member C, for example. FIG. 5 is a diagram illustrating an example of an amount information acquisition image. In the present embodiment, when the store information acquisition section 30 acquires the store information I1, and when the imaging of the identifier indicating the store information I1 is completed in the store information acquisition image P1, the amount information acquisition section 32 transmits the amount information acquisition section 32 to the amount information acquisition section 32. P2 is displayed on the display unit 22. As shown in FIG. 5, the amount information acquisition image P2 is an image for acquiring amount information I2, and here, it is an image that accepts input of a billed amount. Purchaser B operates the input unit 20 to input the billing amount while the amount information acquisition image P2 is displayed. The amount information acquisition unit 32 acquires the input billed amount as amount information I2. However, the method of acquiring the amount information I2 by the amount information acquisition unit 32 is not limited to this and may be arbitrary. For example, the store information display unit 14, which is a display device, displays an identifier indicating store information I1 and amount information I2, and the terminal 10 reads the identifier indicating store information I1 and amount information I2. The information I1 and the amount information I2 may be automatically acquired.

Furthermore, when performing electronic payment, the terminal information acquisition unit 34 of the terminal 10 acquires the terminal information I3. The terminal information I3 is information indicating the location of the terminal 10, that is, location information of the terminal 10. The terminal information I3 is, for example, information indicating the coordinates of the terminal 10 on the earth. The terminal information acquisition unit 34 acquires the location information of the terminal 10 when the purchaser B is making the current transaction at the store A, in other words, the current location information of the terminal 10, as the terminal information I3. While the location information I1a is a fixed value set in advance, the terminal information I3 can be said to be a variable value that changes depending on the current location of the terminal 10. In this embodiment, the terminal information acquisition unit 34 acquires the terminal information I3 using the acquisition of the store information I1 and the amount information I2 as a trigger. That is, it can be said that the terminal information acquisition unit 34 acquires the location information of the terminal 10 when acquiring the store information I1 and the amount information I2 as the terminal information I3. In this embodiment, the terminal information acquisition unit 34 communicates with a GPS (Global Positioning System) via the communication unit 26 and acquires the current position information of the terminal 10 from the GPS as terminal information I3. However, the method of acquiring the terminal information I3 by the terminal information acquisition unit 34 is not limited to acquisition from GPS, and may be arbitrary. For example, the method of acquiring the terminal information I3 by the terminal information acquisition unit 34 is not limited to acquisition from GPS, and may be any method, such as location information of a Wi-Fi (registered trademark) access point or a base station of a mobile phone network. It may be obtained by

When the acquisition of the store information I1, amount information I2, and terminal information I3 is completed, the information transmitting section 36 of the terminal 10 transmits the acquired store information I1, amount information I2, and terminal information I3 via the communication section 26. Send to server 12. The server information acquisition section 60 of the server 12 acquires, via the communication section 52, the store information I1, amount information I2, and terminal information I3 transmitted from the information transmission section 36 of the terminal 10.

The determining unit 62 of the server 12 compares the acquired store information I1 with the terminal information I3 and determines whether the purchaser B is conducting a transaction at the store A. Specifically, the determination unit 62 acquires location information I1a associated with the acquired store information I1, based on the acquired store information I1. Acquisition of the location information I1a by the determination unit 62 is optional, but for example, a table that associates store information I1 and location information I1a is stored in the storage unit 50 of the server 12, and the determination unit 62 may acquire the location information I1a from the table. The location information I1a may be acquired based on the location information I1a. Further, for example, the store information I1 itself may include the location information I1a of the store A.

The determining unit 62 determines whether the location information I1a associated with the store information I1 matches the acquired terminal information I3. That is, the determining unit 62 determines whether the location of the store A derived from the location information I1a and the location of the terminal 10 at the time of transaction derived from the terminal information I3 match. The determining unit 62 determines that the position information I1a and the terminal information I3 match when the position information I1a and the terminal information I3 satisfy a predetermined relationship. For example, if the distance between the location of the store A in the location information I1a and the location of the terminal 10 in the terminal information I3 is within a predetermined range, the determination unit 62 determines that the location information I1a and the terminal information I3 are It is determined that the location information I1a and the terminal information I3 match by satisfying the above relationship. Then, if the distance between the location of the store A in the location information I1a and the location of the terminal 10 in the terminal information I3 is longer than the predetermined range, the determination unit 62 determines that the location information I1a and the terminal information I3 are within the predetermined range. It is determined that the relationship is not satisfied and that the location information I1a and the terminal information I3 do not match. For example, if the location information I1a is information indicating a predetermined area, and the location of the terminal 10 in the terminal information I3 is within that area, the location information I1a and the terminal information I3 have a predetermined relationship. It may be determined that the position information I1a and the terminal information I3 match. If the location of the terminal 10 in the terminal information I3 is outside the area, it may be determined that the location information I1a and the terminal information I3 do not match. The determining unit 62 can determine whether the purchaser B is conducting a transaction at the store A by determining whether the location information I1a and the terminal information I3 match in this way.

The payment unit 64 of the server 12 executes electronic payment based on the store information I1 and amount information I2. The payment unit 64 executes payment by the purchaser B of the billed amount shown in the amount information I2 to the store A shown in the store information I1. In this embodiment, the payment unit 64 executes electronic payment when the determination unit 62 determines that the location information I1a and the terminal information I3 match, and when the location information I1a and the terminal information I3 do not match, the payment unit 64 performs electronic payment. If it is determined, electronic payment will not be executed.

The image generation unit 66 of the server 12 generates a confirmation image P0. The confirmation image P0 is an image uniquely assigned to the store A. That is, the confirmation image P0 is an image that is set for each store, and is an image that is different for each store. The image generation unit 66 generates the confirmation image P0 when the determination unit 62 determines that the position information I1a and the terminal information I3 match. The image generation unit 66 generates the confirmation image P0 when it is determined that the location information I1a and the terminal information I3 match and the payment unit 64 executes the payment. The image generation unit 66 does not generate the confirmation image P0 when it is determined that the position information I1a and the terminal information I3 do not match. In other words, the image generation unit 66 does not generate the confirmation image P0 when it is determined that the position information I1a and the terminal information I3 do not match and the payment unit 64 does not execute the payment.

The image generation unit 66 updates the confirmation image P0 of the store A every predetermined period. The image generation unit 66 obtains the current time and determines whether a predetermined period of time has elapsed based on the current time. In addition, although the predetermined period here is arbitrary time, it may be one day etc., for example. Further, the current time may be the time when the store information I1, the amount information I2, and the terminal information I3 are transmitted from the terminal 10, or the time when the determination unit 62 determines that the location information I1a and the terminal information I3 match. Alternatively, it may be the time when the payment was made by the payment unit 64. The image generation unit 66 generates the confirmation image P0 for store A when a new electronic payment is made at store A after a predetermined period has elapsed since the generation of the confirmation image P0 for store A. If it is determined that the location information I1a and the terminal information I3 match after a predetermined period has elapsed, a new confirmation image P0 for store A is generated. The image generation unit 66 generates, as a new confirmation image P0, an image whose content is different from the confirmation image P0 generated immediately before. On the other hand, if a new electronic payment is made at store A within a predetermined period after generating the confirmation image P0 for store A, the image generation unit 66 generates the confirmation image P0 for store A. If it is determined that the location information I1a and the terminal information I3 match within a predetermined period of time, the most recently generated confirmation image P0 is used as the payment completion image P for confirmation without generating a new confirmation image P0. Let the image be P0.

The confirmation image P0 in this embodiment is an image that will be included in a later-described payment completion image P (see FIG. 9) displayed by the terminal 10, and is a background image of the payment completion image P. In this embodiment, the confirmation image P0 includes color, brightness, and pattern as elements. The image generation unit 66 generates a new confirmation image P0 such that the new confirmation image P0 and the confirmation image P0 generated immediately before are different in at least one of color, brightness, and pattern. Furthermore, the image generation unit 66 can generate a new confirmation image P0 so that the new confirmation image P0 and the confirmation image P0 generated immediately before are different in color, brightness, and pattern. preferable. Note that the color here refers to, for example, hue, the brightness of the background here refers to, for example, lightness, and the pattern here refers to, for example, a pattern. Furthermore, in this embodiment, since the confirmation image P0 is the background image of the payment completion image P, the color of the confirmation image P0 is the background color of the payment completion image P, and the brightness of the confirmation image P0 is the background image of the payment completion image P. This is the brightness of the background of the image P, and the pattern of the confirmation image P0 can also be said to be the pattern of the background of the payment completion image P.

6 to 8 are schematic diagrams showing examples of elements of the confirmation image. FIG. 6 shows an example of a table of color candidates for the confirmation image P0, and the image generation unit 66 may select, for example, a color for the new confirmation image P0 from among the colors in FIG. 6. The image generation unit 66 selects a color different from the color in the confirmation image P0 generated immediately before as the color in the new confirmation image P0. In FIG. 6, colors facing each other across the center have a complementary color relationship. The image generation unit 66 selects a color that is opposite to the color in the most recent confirmation image P0 (F1 in FIG. 6) and a color that is aligned with that color (here, two on the left and right). The color in the new confirmation image P0 may be randomly selected from (F2 in FIG. 6). Further, FIG. 7 shows an example of a table of brightness candidates for the confirmation image P0, and the image generation unit 66 selects the brightness of the new confirmation image P0 from the respective brightnesses in FIG. 7, for example. It's fine. The image generation unit 66 may randomly select the brightness of the new confirmation image P0 from brightnesses different from the brightness of the confirmation image P0 generated immediately before. Further, FIG. 8 shows an example of a table of pattern candidates for the confirmation image P0, and the image generation unit 66 may select a new pattern for the confirmation image P0 from, for example, each of the patterns in FIG. The image generation unit 66 may randomly select a pattern for a new confirmation image P0 from patterns that are different from the pattern for the confirmation image P0 generated immediately before. However, the method of generating the new confirmation image P0 is not limited to the above, and may be any method as long as the content is different from the most recently generated confirmation image P0. Further, the confirmation image P0 is not limited to being the background image of the payment completion image P, and the elements are not limited to those described above.

The image transmitting unit 68 of the server 12 transmits the confirmation image P0 generated by the image generating unit 66 to the terminal 10 via the communication unit 52. That is, when the image generation section 66 generates a new confirmation image P0, in other words, when a predetermined period of time has elapsed since the generation of the most recent confirmation image P0, the image transmission section 68 sends the image generation section 66 sends the new confirmation image P0 generated by the terminal 10 to the terminal 10. Furthermore, when the image transmitting section 68 reads out the confirmation image P0 most recently generated by the image generating section 66, in other words, within a predetermined period after generating the most recent confirmation image P0, the image generating section 66 The most recently generated confirmation image P0 is transmitted to the terminal 10. Further, the image transmitting unit 68 transmits the information when it is determined that the location information I1a and the terminal information I3 do not match, in other words, when the electronic payment is not executed because the location information I1a and the terminal information I3 do not match. does not transmit the confirmation image P0 to the terminal 10.

The confirmation image acquisition unit 38 of the terminal 10 acquires the confirmation image P0 transmitted from the image transmission unit 68 of the server 12 via the communication unit 26. That is, the confirmation image acquisition unit 38 determines that when the server 12 determines that the location information I1a and the terminal information I3 match, in other words, the location information I1a and the terminal information I3 match and the electronic payment is executed. In this case, a confirmation image P0 is obtained from the server 12. On the other hand, if the server 12 determines that the location information I1a and the terminal information I3 do not match, the confirmation image acquisition unit 38 executes the electronic payment because the location information I1a and the terminal information I3 do not match. If not, the confirmation image P0 is not acquired from the server 12.

Further, the confirmation image P0 is updated every time a predetermined period of time passes. For this reason, the confirmation image acquisition unit 38 can perform a transaction before a predetermined period has elapsed after a new confirmation image P0 is generated for the store A, or in other words, when a transaction is made at the same store A during the predetermined period. , obtain the same confirmation image P0. Then, when a predetermined period of time has elapsed since a new confirmation image P0 was generated for store A, the confirmation image acquisition unit 38 determines whether a transaction is made at the same store A after the elapse of a predetermined period of time. , a new confirmation image P0 different from that used during the predetermined period is acquired. In this way, the confirmation image acquisition unit 38 acquires the same confirmation image P0 during a predetermined period, and acquires a new confirmation image P0 when the predetermined period has elapsed.

FIG. 9 is a diagram showing an example of a payment completion image. The payment completion image generation unit 40 of the terminal 10 generates the payment completion image P, and the display control unit 42 of the terminal 10 causes the display unit 22 to display the payment completion image P generated by the payment completion image generation unit 40. The payment completion image P is an image indicating that the payment has been completed. The payment completion image P includes the confirmation image P0 acquired by the confirmation image acquisition unit 38. More specifically, the payment completion image P includes a confirmation image P0 and a payment information image P3 indicating information regarding the payment. In the example of FIG. 9, the payment completion image P is an image in which a confirmation image P0 is arranged around the payment information image P3. That is, the confirmation image P0 is the background image of the payment information image P3. In the example of FIG. 9, the payment completion image P includes images P3a, P3b, P3c, and P3d as the payment information image P3. The image P3a is an image showing information about the store A where the payment was made, and may be, for example, the logo of the store A. Image P3b is an image showing the billed amount, that is, the paid amount. Image P3c is an image indicating that payment has been completed. Image P3d is an image showing the payment time. However, the layout of the payment information image P3 in FIG. 9 is an example, and the images P3a, P3b, P3c, and P3d may be arranged in any order. Further, the payment information image P3 may be any image indicating information regarding payment, and is not limited to including images P3a, P3b, P3c, and P3d.

The display control unit 42 of the terminal 10 causes the display unit 22 to display the payment completion image P as described above. Purchaser B shows staff C the payment completion image P displayed on the display unit 22. By checking the confirmation image P0 included in the payment completion image P, the staff C can confirm whether the payment has been properly completed. Further, as described above, the confirmation image P0 is updated every time a predetermined period of time passes. That is, before a predetermined period has elapsed after a new confirmation image P0 is generated for store A, in other words, when a transaction is made at the same store A during the predetermined period, the display control unit 42 A payment completion image P including the same confirmation image P0 is displayed. Then, when a predetermined period of time has elapsed since a new confirmation image P0 was generated for store A, the display control unit 42 controls the display control unit 42 to displays a payment completion image P including a new confirmation image P0 different from that used during the predetermined period.

In the above description, the payment completion image generation unit 40 of the terminal 10 has generated the payment completion image P based on the confirmation image P0. In other words, the payment completion image generation unit 40 of the terminal 10 has generated the payment information image P3 indicating information regarding the payment. However, the present invention is not limited thereto, and, for example, the server 12 may generate the payment completion image P. In other words, the server 12 may generate the confirmation image P0 and the payment information image P3 and transmit them to the terminal 10. In this case, the display control unit 42 of the terminal 10 causes the display unit 22 to display the payment completion image P transmitted from the server 12.

Next, the electronic payment process will be explained based on a flowchart. FIG. 10 is a flowchart illustrating the electronic payment process according to this embodiment. As shown in FIG. 10, when performing electronic payment, the terminal 10 acquires store information I1 through the store information acquisition section 30 (step S10), and acquires amount information I2 through the amount information acquisition section 32 (step S10). S12), the terminal information acquisition unit 34 acquires terminal information I3 (step S14). It is preferable that the terminal information acquisition unit 34 acquires the terminal information I3, that is, executes step S14, after acquiring the store information I1 and amount information I2, in other words, after executing steps S10 and S12. Thereby, the terminal information acquisition unit 34 can appropriately acquire the location of the terminal 10 when the purchaser B is conducting the current transaction at the store A as the terminal information I3. The order of step S10 and step S12 is arbitrary. After acquiring the store information I1, amount information I2, and terminal information I3, the terminal 10 transmits the store information I1, amount information I2, and terminal information I3 to the server 12 using the information transmitter 36 (step S16).

The server 12 uses the server information acquisition unit 60 to acquire store information I1, amount information I2, and terminal information I3 from the terminal 10 (step S18). The server 12 uses the determination unit 62 to determine whether the location information I1a associated with the store information I1 matches the acquired terminal information I3 (step S20). If the location information I1a and the terminal information I3 match (step S20; Yes), the server 12 acquires time information (step S22), and the payment unit 64 executes payment (step S24). Time information is information indicating the current time. After executing the payment, the server 12 uses the image generation unit 66 to determine whether a predetermined period of time has elapsed (step S25). The image generation unit 66 compares the time when the confirmation image P0 for store A was most recently generated with the current time, and calculates a predetermined period from the time when the confirmation image P0 for store A was most recently generated to the current time. Determine whether the period has elapsed. If the predetermined period has elapsed (step S25; Yes), the image generation unit 66 generates a new confirmation image P0. On the other hand, if the predetermined period has not elapsed (step S25; No), the image generation unit 66 acquires the most recently generated confirmation image P0 (step S26). For example, the image generation unit 66 acquires the most recently generated confirmation image P0 stored in the storage unit 50. Then, the server 12 transmits the confirmation image P0 to the terminal 10 using the image transmitting unit 68 (step S28). When the image generation unit 66 generates a new confirmation image P0, the image transmission unit 68 transmits the new confirmation image P0 to the terminal 10. Furthermore, when the image generation unit 66 acquires the most recently generated confirmation image P0, the image transmission unit 68 transmits the most recently generated confirmation image P0 to the terminal 10.

The terminal 10 uses the confirmation image acquisition unit 38 to acquire the confirmation image P0 transmitted from the server 12 (step S30). Then, in the terminal 10, the payment completion image generation unit 40 generates the payment completion image P including the confirmation image P0, and the display control unit 42 displays the payment completion image P on the display unit 22 (step S32). The process ends when the payment completion image P is displayed. Note that if the server 12 determines that the location information I1a and the terminal information I3 do not match (step S20; No), it ends this process without making payment or transmitting the confirmation image P0 to the terminal 10. . In this case, the terminal 10 does not display the payment completion image P. Note that if the location information I1a and the terminal information I3 do not match, the server 12 may transmit information to the terminal 10 that the payment has not been executed.

Note that in the description of this embodiment, the location information I1a is set in advance as the location information of the store A. However, the location information I1a may be set during execution of the initial electronic payment. In this case, when executing the initial electronic payment, the server 12 acquires the store information I1, amount information I2, and terminal information I3 from the terminal 10, without checking whether the location information I1a and the terminal information I3 match. Execute payment. The server 12 acquires the terminal information I3 multiple times by repeating this process. Then, if the terminal information I3 for each process matches a predetermined number or more, in other words, if the same terminal information I3 is acquired a predetermined number of times, the server 12 sets the terminal information I3 as the location information I1a. It's fine. After setting the position information I1a, the process explained in FIG. 10 is executed. Note that the method for determining whether the terminal information I3 matches each other is the same as the method for determining whether the location information I1a and the terminal information I3 match. The predetermined number of times here is arbitrary, but it is preferably a plurality of times.

When electronic payments are made using such a user scan method, even if the payment completion image is forged, there is a risk that Staff C will not notice and the payment will be mistakenly recognized as being properly paid when in fact it was not. be. In contrast, the payment system 1 according to the present embodiment causes the terminal 10 to display the payment completion image P including the confirmation image P0 when the location information I1a and the terminal information I3 match. The payment system 1 can confirm whether the purchaser B carrying the terminal 10 is conducting a transaction at the store A by determining whether the location information I1a and the terminal information I3 match. Furthermore, when the location information I1a and the terminal information I3 match, by displaying the confirmation image P0 unique to store A, staff C can confirm that the payment has been made to store A. It becomes possible. That is, the staff C can recognize that the payment has been appropriately completed at the store A when the confirmation image P0 is displayed. Therefore, for example, if the payment completion image is forged, the staff member C can recognize that the image is different from the confirmation image P0, and thus is prevented from mistakenly assuming that the payment has been made properly. Furthermore, the payment system 1 according to the present embodiment displays the same confirmation image P0 until a predetermined period of time has elapsed, and updates the confirmation image P0 after the predetermined period of time has elapsed. Therefore, the staff member C views the same confirmation image P0 within a predetermined period of time, making it possible to easily and accurately confirm the payment. By updating the confirmation image P0 every predetermined period, it is possible to prevent the confirmation image P0 from being forged.

As explained above, the terminal 10 according to the present embodiment is used to settle the amount charged by store A when a transaction is made at store A whose location is fixed, and is owned by purchaser B. . The terminal 10 includes a store information acquisition section 30, a terminal information acquisition section 34, an information transmission section 36, a confirmation image acquisition section 38, and a display control section 42. The store information acquisition unit 30 acquires store information I1, which is information about the store A. The terminal information acquisition unit 34 acquires terminal information I3 indicating the location of the terminal 10 at the time of transaction at store A. The information transmitter 36 transmits store information I1 and terminal information I3 to the server 12. When the server 12 determines that the location information I1a of the store A acquired from the store information I1 matches the terminal information I3, the confirmation image acquisition unit 38 uniquely assigns the information to the store A from the server 12. A confirmation image P0 is obtained. The display control unit 42 displays the payment completion image P including the confirmation image P0. The terminal 10 according to the present embodiment displays the payment completion image P including the confirmation image P0 when it is determined that the location information I1a and the terminal information I3 match. By checking the confirmation image P0, the staff C can recognize that the payment has been properly completed at the store A. Therefore, according to the terminal 10 according to the present embodiment, the staff C can recognize whether the payment has been properly completed. It can be confirmed.

Furthermore, the terminal 10 further includes an amount information acquisition unit 32 that acquires amount information I2 that is information on the billed amount. The confirmation image acquisition unit 38 receives the confirmation image P0 from the server 12 when the server 12 determines that the location information I1a and the terminal information I3 match and the payment with the billed amount included in the amount information I2 is completed. get. The terminal 10 according to the present embodiment displays the payment completion image P including the confirmation image P0 when the location information I1a and the terminal information I3 match and the electronic payment is completed. Therefore, according to the terminal 10 according to the present embodiment, it is possible to confirm whether the payment has been appropriately made.

Further, the confirmation image acquisition unit 38 acquires the same confirmation image P0 when a transaction is made at the same store A during a predetermined period, and when a transaction is made at the same store A after the predetermined period has elapsed, the confirmation image acquisition unit 38 A confirmation image P0 different from that during the period is acquired. According to the terminal 10 according to the present embodiment, since the same confirmation image P0 is displayed within a predetermined period, it is possible to easily and accurately confirm the payment, and the confirmation image P0 is updated every predetermined period. This can prevent the confirmation image P0 from being forged.

Further, the confirmation image P0 during the predetermined period and the confirmation image P0 after the predetermined period are different in at least one of color, brightness, and pattern. According to the terminal 10 according to the present embodiment, by changing the confirmation image P0 in this way, the staff C can easily and accurately confirm the payment.

Further, the terminal information acquisition unit 34 acquires terminal information I3 from GPS. According to the terminal 10 according to the present embodiment, since the terminal information I3 is acquired from GPS, it is possible to accurately grasp the position of the terminal 10.

Further, the payment system 1 according to the present embodiment includes a terminal 10 and a server 12. The server 12 includes a server information acquisition section 60, a determination section 62, an image generation section 66, and an image transmission section 68. The server information acquisition unit 60 acquires store information I1 and terminal information I3 from the terminal 10. The determining unit 62 determines whether the location information I1a of the store A obtained from the store information I1 and the terminal information I3 match. The image generation unit 66 generates a confirmation image P0 when it is determined that the position information I1a and the terminal information I3 match. The image transmitter 68 transmits the confirmation image P0 to the terminal 10. According to the payment system 1 according to the present embodiment, it is possible to confirm whether the payment has been appropriately performed.

(First modification)
Next, a first modification of the first embodiment will be described. In the first modification, the method of setting location information I1a by the server 12a is different from the first embodiment. Descriptions of parts in the first modification that have the same configuration as those in the first embodiment will be omitted.

FIG. 11 is a schematic block diagram of a server according to a first modification. The control unit 54a of the server 12a according to the first modification includes a position information setting unit 63a. In the first modification, store information I1 and initial position information I1b are associated in advance. The initial location information I1b is information indicating the location of the store A that is set in advance. In the first modification, the initial location information I1b is associated with the store information I1 as the location information of the store A, but the initial location information I1b is undetermined location information that is initially set, and is not an official location information. It has not been determined as position information I1a. In the first modification, the location information setting unit 63a sets the location information I1a based on the initial location information I1b and the terminal information I3. This will be explained in detail below.

The server 12a acquires store information I1, amount information I2, and terminal information I3 from the terminal 10 during electronic payment before the location information I1a is officially set. The location information setting unit 63a acquires initial location information I1b associated with the store information I1 from the store information I1. Then, the location information setting unit 63a determines whether the initial location information I1b and the terminal information I3 match. The method for determining whether the initial location information I1b and the terminal information I3 match is the same as the method for determining whether the location information I1a and the terminal information I3 match in the first embodiment. When the initial location information I1b and the terminal information I3 match, the location information setting unit 63a determines the initial location information I1b as the location information I1a of the store A, sets the initial location information I1b as the location information I1a, It is associated with store information I1. Furthermore, the server 12a repeats the electronic payment process multiple times before the location information I1a is officially set. Then, when the number of times that the initial location information I1b and the terminal information I3 match is equal to or greater than a predetermined number of times, the location information setting unit 63a determines the initial location information I1b as the location information I1a of the store A, and sets the initial location Information I1b is associated with store information I1 as location information I1a. The predetermined number of times here is arbitrary, but it is preferably a plurality of times.

On the other hand, if the initial location information I1b and the terminal information I3 do not match, the location information setting unit 63a determines the terminal information I3 as the location information I1a of the store A, sets the terminal information I3 as the location information I1a, It may be associated with the store information I1. More specifically, if the number of times that the initial location information I1b and the terminal information I3 do not match is equal to or greater than a predetermined number of times, and the respective pieces of terminal information I3 match, the location information setting unit 63a sets the terminal information I3 to The terminal information I3 may be determined as the location information I1a of the store A, and the terminal information I3 may be associated with the store information I1 as the location information I1a. The predetermined number of times here is arbitrary, but it is preferably a plurality of times.

After determining the location information I1a as described above, the server 12a executes electronic payment in the same manner as in the first embodiment. Note that the server 12a may perform electronic payment without confirming whether the location information I1a matches the terminal information I3 until the location information I1a is determined. Further, since the server 12a does not confirm whether the location information I1a and the terminal information I3 match until the location information I1a is determined, the server 12a does not need to generate the confirmation image P0. In this case, the terminal 10 does not need to receive the confirmation image P0 and display the confirmation image P0 (the payment completion image P including the confirmation image P0) until the location information I1a is determined.

FIG. 12 is a flowchart illustrating a flow for determining position information according to the first modification. As shown in FIG. 12, the server 12a uses the server information acquisition unit 60 to acquire store information I1, amount information I2, and terminal information I3 from the terminal 10 (step S40). The server 12a uses the location information setting unit 63a to check whether the initial location information I1b acquired from the store information I1 and the terminal information I3 match (step S42). If the initial location information I1b and the terminal information I3 match (Step S42; Yes), and the number of times the initial location information I1b and the terminal information I3 match is equal to or greater than a predetermined number of times (Step S44; Yes), the location information The setting unit 63a associates the initial location information I1b with the store information I1 as the confirmed location information I1a (step S46). If the number of times that the initial location information I1b and the terminal information I3 match has not reached the predetermined number of times (step S44; No), the process returns to step S40 and the next store information I1 and amount information are set without setting the location information I1a. Wait for acquisition of I2 and terminal information I3.

Further, if the initial location information I1b and the terminal information I3 do not match (Step S42; No), and the number of times that the initial location information I1b and the terminal information I3 do not match is less than a predetermined number of times (Step S47; No). ), that is, if the number of times of disagreement is less than the predetermined number of times, the process returns to step S40 without determining the position information I1a. That is, the location information setting unit 63a returns to step S40 and waits for the next payment without determining the location information I1a until the initial location information I1b and the terminal information I3 do not match for a predetermined number of times. On the other hand, if the number of times that the initial location information I1b and the terminal information I3 do not match is equal to or greater than the predetermined number, the location information setting unit 63a associates the terminal information I3 with the store information I1 as the determined location information I1a (step S48 ). Furthermore, if the initial location information I1b and the terminal information I3 do not match a predetermined number of times, and the previous terminal information I3 matches each other, the location information setting unit 63a determines that the terminal information I3 has been determined. It may be associated with the store information I1 as the location information I1a.

As explained above, in the first modified example, the initial location information I1b indicating the location of the store A is associated with the store information I1 in advance, and the server 12a associates the store information I1 with the location information I1a. It further includes a location information setting section 63a. When the initial location information I1b and the terminal information I3 match, the location information setting unit 63a associates the initial location information I1b with the store information I1 as the determined location information I1a of the store A. Then, if the initial location information I1b and the terminal information I3 do not match, the location information setting unit 63a associates the terminal information I3 with the store information I1 as the determined location information I1a of the store A. In the first modification, since the location information I1a is set by comparing the initial location information I1b and the terminal information I3, it is possible to confirm, for example, that the initial location information I1b is incorrectly set, and the electronic payment can be executed appropriately.

(Second embodiment)
Next, a second embodiment will be described. The second embodiment differs from the first embodiment in that the store Ab is a mobile store and the location information I1a is updated when the store Ab moves. In the second embodiment, descriptions of parts that have the same configuration as the first embodiment will be omitted.

FIG. 13 is a schematic diagram of a payment system according to the second embodiment. As shown in FIG. 13, the store Ab in the second embodiment is a mobile store whose location (location) can be moved. Store Ab is, for example, a vehicle-type store. However, store Ab is not limited to a vehicle-type store as long as it is a mobile store. The payment system 1b according to the second embodiment is a system in which a purchaser B makes an electronic payment when purchasing products or services at a store Ab, which is a mobile store.

FIG. 14 is a schematic block diagram of a server according to the second embodiment. The control unit 54b of the server 12b according to the second embodiment includes a location information setting unit 63b. Here, since store Ab is movable, it may move its location and conduct transactions at a different location. Therefore, even if the location information I1a is associated with the store information I1 in advance, there is a possibility that the location information I1a may differ from the actual location of the store Ab due to movement of the store Ab. On the other hand, the location information setting section 63b updates and sets the location information I1a when the store Ab moves and its location is changed. This will be explained in detail below.

Similarly to the first embodiment, the server 12b acquires store information I1, amount information I2, and terminal information I3 from the terminal 10 even in electronic payment after the location of store Ab has been moved. The location information setting unit 63b acquires location information I1a associated with the store information I1, that is, set location information I1a, from the store information I1. Then, the location information setting unit 63b determines whether the location information I1a and the terminal information I3 match. If the location information I1a and the terminal information I3 match, the location information setting unit 63b determines that the location information I1a indicates the correct location of the store Ab, and does not update the location information I1a. That is, in this case, the set position information I1a is determined as the position information I1a after movement. On the other hand, if the location information I1a and the terminal information I3 do not match, the location information setting unit 63b updates the location information I1a, assuming that the store Ab has moved and the location information I1a does not indicate the correct location of the store Ab. do. Specifically, if the initial location information I1b and the terminal information I3 do not match, the location information setting unit 63b determines the terminal information I3 as the new location information I1a after movement. Furthermore, in this embodiment, the server 12b repeats the electronic payment process multiple times after the location of the store Ab has been moved. Then, if the number of times that the location information I1a and the terminal information I3 do not match is equal to or greater than a predetermined number of times, and the respective pieces of terminal information I3 match, the location information setting unit 63b sets the terminal information I3 after the movement. is determined as new position information I1a. The predetermined number of times here is arbitrary, but it is preferably a plurality of times.

After determining the post-movement position information I1a as described above, the server 12b executes electronic payment using the same method as in the first embodiment. Note that the server 12a may perform electronic payment regardless of whether the location information I1a matches the terminal information I3 until the location information I1a after the movement is determined. Further, the server 12a does not need to generate the confirmation image P0 until the post-movement position information I1a is determined. In this case, the terminal 10 does not need to receive the confirmation image P0 and display the confirmation image P0 (the payment completion image P including the confirmation image P0) until the post-movement position information I1a is determined.

FIG. 15 is a flowchart illustrating a flow for determining position information according to the second embodiment. FIG. 15 shows the flow when the server 12b acquires store information I1, amount information I2, and terminal information I3 from the terminal 10, that is, when there is a request for electronic payment. As shown in FIG. 15, when the store Ab moves (step S50; Yes), the server 12b determines that the location information setting unit 63b matches the location information I1a associated with the store information I1 and the terminal information I3. (Step S52). If the store Ab has not moved (step S50; No), it is assumed that the location information I1a does not need to be updated, and this process is terminated. Perform electronic payments using methods. Note that the method for determining whether the store Ab has moved may be arbitrary, but for example, when the server 12b obtains information that the store Ab has moved, it may be determined that the store Ab has moved. For example, the staff member C may transmit the information that the store Ab has moved to the server 12b. For example, the server 12b receives store information I1, amount information I2, and terminal information I3 from the terminal 10 during the period from when it acquires information that store Ab has moved until it accepts electronic payments a threshold number of times. It may be determined that the store Ab has moved during the period until the reception is received the threshold number of times. If the server 12b receives the electronic payment more than the threshold number of times after acquiring the information that the store Ab has moved, the server 12b determines that the store Ab has moved.In other words, the server 12b determines that the store Ab has not moved. You may do so. Although the threshold number of times here is arbitrary, it is preferably a plurality of times.

If the location information I1a and the terminal information I3 match (step S52; Yes), the location information setting unit 63b retains the set location information I1a and converts the set location information I1a into the confirmed location information. I1a (step S54). That is, the location information setting unit 63b determines that the already set location information I1a indicates the correct location of the store Ab. In this case, the server 12b uses the set location information I1a to execute the electronic payment flow described in the first embodiment.

If the location information I1a and the terminal information I3 do not match (step S52; No), and if the terminal information I3 acquired after the store Ab moved match a predetermined number of times or more (step S56; Yes), in other words, For example, if the number of times that the location information I1a and the terminal information I3 do not match is equal to or greater than a predetermined number of times, and the respective terminal information I3 match each other, the location information setting unit 63b sets the location based on the terminal information I3. Information I1a is updated (step S58). Specifically, the location information setting unit 63b determines the terminal information I3 as the new location information I1a. In this case, the server 12b uses the updated new location information I1a to execute the electronic payment flow described in the first embodiment.

Also, if the location information I1a and the terminal information I3 do not match (step S52; No), and if the terminal information I3 acquired after the store Ab moved does not match a predetermined number of times or more (step S56; No) The location information setting unit 63b returns to step S50 without updating the location information I1a, and receives the next store information I1, amount information I2, and terminal information I3. That is, if the number of times that the location information I1a and the terminal information I3 do not match is not equal to or more than a predetermined number of times, or the condition that the terminal information I3 obtained after the store Ab moves does not match the predetermined number of times or more, the location The process of setting location information I1a continues without updating information I1a or retaining existing location information I1a. Note that the server 12b may execute electronic payment in this case, that is, even before setting the location information I1a.

As explained above, the server 12b according to the second embodiment further includes a location information setting section 63b. The location information setting unit 63b sets location information I1a to be associated with the store information I1 when the store Ab moves. The location information setting unit 63b sets new location information I1a based on the terminal information I3 when the already set location information I1a and the terminal information I3 do not match. Since the server 12b according to the second embodiment sets the terminal information I3 as new location information I1a when the set location information I1a and the terminal information I3 do not match, even if the store Ab moves, the store information It becomes possible to appropriately set the position information I1a linked to I1. Therefore, in the second embodiment, it is possible to confirm whether the payment has been made appropriately even at the mobile store. Further, since the server 12b sets the location information I1a based on the terminal information I3, there is no need for the staff member C to reset the location information I1a each time he or she moves, for example.

Although the embodiments and modifications of the present invention have been described above, the embodiments are not limited to the contents of these embodiments and modifications. Furthermore, the above-mentioned components include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those that are in a so-called equivalent range. Furthermore, the above-mentioned components can be combined as appropriate, and the configurations of each embodiment and modification example can also be combined. Furthermore, various omissions, substitutions, or changes to the constituent elements can be made without departing from the gist of the embodiments and modifications described above.

1 Payment system 10 Terminal 12 Server 30 Store information acquisition unit 32 Amount information acquisition unit 34 Terminal information acquisition unit 36 Information transmission unit 38 Confirmation image acquisition unit 40 Payment completion image generation unit 42 Display control unit 60 Server information acquisition unit 62 Judgment unit 64 Payment section 66 Image generation section 68 Image transmission section A Store B Purchaser C Staff I1 Store information I1a Location information I2 Amount information I3 Terminal information P Payment completion image P0 Confirmation image

Claims (7)

A payment system including a terminal owned by a purchaser and a server, which is used to settle the amount charged by the store when a transaction is made at the store ,
The terminal is
a store information acquisition unit that acquires store information that is information about the store;
a terminal information acquisition unit that acquires terminal information indicating the location of the terminal when making a transaction at the store;
an information transmitter that transmits the store information and the terminal information to the server ;
Acquisition of a confirmation image for acquiring a confirmation image uniquely assigned to the store from the server when the server determines that the location information of the store acquired from the store information and the terminal information match. Department and
a display control unit that displays a payment completion image including the confirmation image;
including;
The server is
a server information acquisition unit that acquires the store information and the terminal information from the terminal;
a determination unit that determines whether the location information of the store acquired from the store information and the terminal information match;
an image generation unit that generates the confirmation image when it is determined that the location information of the store acquired from the store information and the terminal information match;
an image transmitter that transmits the confirmation image to the terminal;
including;
The store information is associated in advance with initial location information indicating the location of the store,
The server further includes a location information setting unit that associates the store information with location information of the store,
The location information setting section includes:
If the initial location information and the terminal information match, associate the initial location information with the store information as confirmed location information of the store;
If the initial location information and the terminal information do not match, associating the terminal information with the store information as confirmed location information of the store;
payment system . The terminal further includes an amount information acquisition unit that acquires amount information that is information on the billed amount,
The confirmation image acquisition unit determines that the server has determined that the location information of the store acquired from the store information and the terminal information match, and has completed payment with the billed amount included in the amount information. The payment system according to claim 1, wherein the confirmation image is obtained from the server in the case where the confirmation image is obtained from the server. The confirmation image acquisition unit includes:
When a transaction is made at the same store during a predetermined period, the same confirmation image is obtained;
The payment system according to claim 1 or 2, wherein when a transaction is made at the same store after the predetermined period has elapsed, the confirmation image different from that during the predetermined period is acquired. 4. The payment system according to claim 3, wherein the confirmation image during the predetermined period and the confirmation image after the predetermined period are different in at least one of color, brightness, and pattern. The payment system according to any one of claims 1 to 4, wherein the terminal information acquisition unit acquires the terminal information from GPS. A payment method using a terminal owned by a purchaser and a server , which is used to settle the amount charged by the store when a transaction is made at the store ,
a store information acquisition step of acquiring store information , which is information about the store, by the terminal ;
a terminal information acquisition step of acquiring terminal information indicating the location of the terminal at the time of transaction at the store , using the terminal;
an information transmitting step of transmitting the store information and the terminal information to a server by the terminal ;
a server information acquisition step of acquiring the store information and the terminal information from the terminal by the server;
a determination step in which the server determines whether the location information of the store acquired from the store information and the terminal information match;
an image generation step of generating a confirmation image uniquely assigned to the store when the server determines that the location information of the store acquired from the store information and the terminal information match;
an image sending step of sending the confirmation image to the terminal by the server;
a confirmation image acquisition step of acquiring the confirmation image from the server by the terminal when the server determines that the location information of the store acquired from the store information and the terminal information match;
a display control step of displaying a payment completion image including the confirmation image by the terminal ;
including;
The store information is associated in advance with initial location information indicating the location of the store,
further comprising a location information setting step of associating the store information with location information of the store by the server;
In the location information setting step,
When the initial location information and the terminal information match, associating the initial location information with the store information as confirmed location information of the store;
If the initial location information and the terminal information do not match, associating the terminal information with the store information as confirmed location information of the store;
Payment Method. A program that causes a terminal-type computer and server owned by a purchaser to execute a payment method used to settle the amount charged by the store when a transaction is made at the store , the program comprising:
a store information acquisition step of acquiring store information , which is information about the store, by the terminal-type computer ;
a terminal information acquisition step of acquiring , by the terminal computer, terminal information indicating the location of the terminal computer when making a transaction at the store;
an information transmitting step of transmitting the store information and the terminal information to a server by the terminal-type computer ;
a server information acquisition step of acquiring the store information and the terminal information from the terminal-type computer by the server;
a determination step in which the server determines whether the location information of the store acquired from the store information and the terminal information match;
an image generation step of generating a confirmation image uniquely assigned to the store when the server determines that the location information of the store acquired from the store information and the terminal information match;
an image sending step of sending the confirmation image to the terminal computer by the server;
a confirmation image acquisition step of acquiring the confirmation image from the server by the terminal-type computer when the server determines that the location information of the store acquired from the store information and the terminal information match; ,
a display control step of displaying a payment completion image including the confirmation image by the terminal-type computer ;
make the computer execute
The store information is associated in advance with initial location information indicating the location of the store,
further comprising a location information setting step of associating the store information with location information of the store by the server;
In the location information setting step,
If the initial location information and the terminal information match, associate the initial location information with the store information as confirmed location information of the store;
If the initial location information and the terminal information do not match, associating the terminal information with the store information as confirmed location information of the store;
program.

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