JP7390430B2 - Payment institution server, method and program - Google Patents

Description

The present invention relates to a payment institution server, its method, and program.

In recent years, credit card payments have become commonplace at stores. For example, when paying with a credit card, the user hands the credit card to a store clerk and has the store clerk perform payment procedures using a predetermined credit card. In this way, the user who hands over the credit card is exposed to the risk of unauthorized use, such as skimming or continuous use of the credit card.

Therefore, when paying with a credit card at a store, RFID communication is performed with the customer's RFID reader/writer or mobile communication terminal with an RFID tag and built-in UIM, and personal information is input into the mobile communication terminal. An ordering terminal device that automatically transmits encrypted personal information data to an administrator server to perform payment has been disclosed (for example, Patent Document 1).
According to such an ordering terminal, it is possible to make a payment using a credit card without handing over a credit card, so it is possible to make a payment safely and securely.

Japanese Patent Application Publication No. 2012-48694

However, even if the credit card itself is not handed over to the store, personal information data is transmitted to the store's terminal, and there is a risk that this personal information data may be leaked from the store's terminal. Therefore, it is desired to further improve the security of payments.

In view of the above-mentioned problems, the present invention aims to provide a payment institution server, a method thereof, and a program that can further improve the security of payment.

In order to solve the above problems, the requesting device of the present invention provides the following solving means.

(1) A program for a payment institution server that performs payment when a user receives products or services at a store, wherein the payment institution server is a two-dimensional computer read by the user's user terminal from the store terminal of the store. Payment application information for applying for payment of the payment amount, which is the store identification information included in the barcode and the payment amount to be paid to the store, plus the user identification information of the user terminal and the user terminal location information, A payment application information receiving means received from the user terminal, comparing the user terminal location information with regular store location information registered in the payment institution server based on the store identification information read by the user terminal, a location information determining unit that determines whether a distance indicated by the user terminal location information and the store location information is within a predetermined range; the location information determining unit determines that the distance indicated by the store location information is not within the predetermined range; When the store terminal is unreliable, the store terminal functions as a means for displaying a message on the user terminal indicating that the reliability of the store terminal is low.

(2) A program for a user terminal that performs payment when a user receives products or services at a store, the user terminal connected to a payment institution server via a network, at the store, store identification information and payment information acquisition means for reading a two-dimensional barcode containing the payment amount to be paid to the store from a store terminal of the store, location information acquisition means for acquiring user terminal location information indicating the location of the user terminal, and the payment institution. a server, a store location information acquisition means for acquiring regular store location information registered in the payment institution server based on the store identification information read by the user terminal; and receiving the store location information from the payment institution server. a location information determining means for comparing the store location information and the user terminal location information and determining whether a distance indicated by the user terminal location information and the store location information is within a predetermined range; When the determining means determines that the distance indicated by the store location information is not within the predetermined range, the present invention functions as a means for displaying a message on the user terminal indicating that the reliability of the store terminal is low.

(3) In the configuration described in (1) or (2) above, the program further includes the location information determining means determining that the distance indicated by the user terminal location information and the store location information is within a predetermined range. a payment means that settles the liquidation amount when it is determined; and a payment method that sends payment completion information indicating that the payment is completed to the store terminal and the user terminal when the payment means has settled the liquidation amount; It functions as a completion information transmission means.

(4) In the configuration of (1) or (2) above, the store location information includes an address of the store and location information of one or more of the store terminals.

(5) A payment institution server that performs payment when a user receives products or services at a store, the information contained in a two-dimensional barcode read by the user's user terminal from the store terminal at the store. payment application information for applying for payment of the payment amount, which is the sum of the store identification information and the payment amount paid to the store, the user identification information of the user terminal of the user, and the user terminal location information; , comparing the payment application information receiving means received from the user terminal, the user terminal location information, and the authorized store location information registered in the payment institution server based on the store identification information read by the user terminal. and a location information determining means for determining whether a distance indicated by the user terminal location information and the store location information is within a predetermined range; means for displaying a message on the user terminal indicating that the reliability of the store terminal is low when it is determined that the shop terminal is not reliable.

(6) A method executed by a payment institution server that performs payment when a user receives products or services at a store, the method being executed by a payment institution server that performs payment when a user receives products or services at a store, the method being performed by a two-dimensional Apply for a payment to apply for the payment of the store identification information included in the barcode and the payment amount to be paid to the store, plus the user identification information and user terminal location information of the user terminal of the user. receiving payment application information from the user terminal, user terminal location information, and authorized store location information registered in the payment institution server based on the store identification information read by the user terminal; comparing and determining whether the distance indicated by the user terminal location information and the store location information is within a predetermined range; and in the determining step, determining that the distance indicated by the store location information is not within the predetermined range. If the store terminal is unreliable, the store terminal includes the step of displaying a message on the user terminal indicating that the reliability of the store terminal is low.

According to the present invention, it is possible to provide a payment institution server, a method thereof, and a program that can further improve the security of payment.

1 is a diagram illustrating the concept of a payment service in a payment system to which a payment institution server according to a first embodiment of the present invention is applied; FIG. 1 is a diagram showing a functional configuration of a payment system according to a first embodiment of the present invention. FIG. 2 is a diagram schematically showing data stored in a store information DB in a table format. This is a display example of an image displayed on a store terminal input/output means. This is a display example of an image displayed on a store terminal input/output means. It is a diagram showing a payment processing flow executed by the payment institution server according to the first embodiment of the present invention. FIG. 7 is a diagram illustrating the concept of a payment service in a payment system to which a payment institution server according to a second embodiment of the present invention is applied. It is a diagram showing the functional configuration of a payment system according to a second embodiment of the present invention. FIG. 7 is a diagram showing a payment processing flow executed by a user terminal according to a second embodiment of the present invention.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, modes for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the subsequent figures, the same numbers or symbols are given to the same elements throughout the description of the embodiments. Further, in the diagram of the functional configuration, arrows between functional blocks indicate the direction of data flow or the flow direction of processing.

[First embodiment]
(Basic concept/basic configuration)
FIG. 1 is a diagram illustrating the concept of a payment service in a payment system to which a payment institution server according to a first embodiment of the present invention is applied. The payment system 1 is a system that enables payment by credit card when the user of the credit card applies for payment instead of from the member store of the credit card.

The payment system 1 is a payment system managed by a payment institution (payment institutions include not only conventional financial institutions (credit card companies, banks, etc.) but also virtual currency payment institutions that operate virtual currency and electronic money). Stores (member stores of credit cards (cards that allow payments in traditional currencies, virtual currencies, and electronic money) connected to the institution server 10 and the payment institution server 10 via a network, Store terminals 20 managed at stores, retail stores, department stores, flea markets, vehicles providing transportation services such as taxis, gates, etc.) and user terminals 30 operated by users (credit card users). Be prepared.

According to the payment system 1, for example, when paying at a store, payment information is displayed on the store terminal 20 in the form of a two-dimensional barcode. This payment information includes store identification information, which is information for identifying a store and is registered in advance in the payment institution server 10, and amount information indicating the amount of payment by the user to the store. Such settlement information is read by the user terminal 30.

The user terminal 30 reads the payment information displayed on the store terminal 20, and also acquires user terminal position information indicating the position of the user terminal 30 using, for example, a GPS (Global Positioning System, Global Positioning Satellite) function.

Then, the user terminal 30 transmits payment application information for applying to the payment institution server 10 for payment by credit card to the payment institution server 10. This payment application information includes user identification information that identifies the user (e.g., credit card number or any other information that can identify the user in the payment institution server 10), store identification information and amount included in the payment information. In addition to this information, it also includes acquired user terminal location information, etc.

The payment institution server 10 receives the payment application information, and acquires store location information indicating the location of the store stored in advance in association with the store identification information included in the payment application information. The payment institution server 10 then compares the user terminal location information included in the received payment application information with the store location information, and determines whether the distance indicated by the user terminal location information and the store location information is within a predetermined range. judge. When the payment institution server 10 determines that the distance indicated by the user terminal location information and the store location information is within a predetermined range, the payment institution server 10 settles the payment amount indicated by the amount information. Note that store location information may be any information that indicates the location of the store (information indicated by latitude and longitude, information indicating address, etc.), and if the store has multiple store terminals, information for each store terminal may be used. It is desirable that the information indicates the location.

Then, based on the payment application information, when the payment amount indicated by the amount information is settled, the payment institution server 10 sends payment completion information indicating that the payment is completed, which is managed at the store identified by the store identification information. It is transmitted to the store terminal 20 and the user terminal 30 identified by the user identification information. On the other hand, when the payment institution server 10 determines that the distance between the location of the store terminal 20 and the location of the user terminal 30 is not within the predetermined range, the payment institution server 10 sends, for example, error message information indicating that the payment was not possible to the store terminal. 20 and the user terminal 30.

The store terminal 20 and user terminal 30 that have received the payment completion information display a payment completion image or the like on the display means (for example, a display, etc.) indicating that the payment has been completed. This allows the store clerk and the user to confirm that the price at the store has been paid.

According to the payment system 1 including such a payment institution server 10, when a user makes a payment at a store, the user can proceed with the payment process without passing his or her information to the store. In addition, the location of the store and the location of your terminal can be compared, and the payment process can proceed only if these are within a predetermined range. This makes it possible to prevent payments from being made to other stores.
Therefore, it is possible to further improve the security of payment.

(Functional configuration)
FIG. 2 is a diagram showing the functional configuration of the payment system according to the first embodiment of the present invention. The payment system 1 is a system that allows payment by credit card, and includes a payment institution server 10 that allows payment by credit card, and a store terminal managed in a store that is connected to the payment institution server 10 via a network. 20 and a user terminal 30 operated by a user.

(Configuration of payment institution server 10)
The payment institution server 10 includes a store information transmitting/receiving means 11, a registration means 12, a payment application information receiving means 13, a position information determining means 14, a payment means 15, a payment completion information transmitting means 16, and a store information storage means. It includes a store information database (hereinafter referred to as store information DB) 110, which is an example of the above, and a user information database (hereinafter referred to as user information DB) 120.

The store information transmitting/receiving means 11 receives store information (store name, store location information, transfer destination (bank account), etc.) from the store terminal 20. Further, the store information transmitting/receiving means 11 transmits store identification information and store terminal identification information stored in association with the store information to the store terminal 20 by the registration means 12 .

The registration means 12 identifies the store based on the store information (store name, store location information, transfer destination (bank account), etc.) sent from the store terminal 20 of the store desired to be registered as a credit card member store. The store identification information is stored in the store information DB 110 in association with each other. Moreover, when a certain store has a plurality of store terminals 20, the registration means 12 associates the store identification information of the certain store with store terminal identification information for identifying each store terminal 20, and stores the associated store terminal identification information in the store information DB 110.
In addition, the registration means 12 inputs the user information (user name, e-mail address of the user terminal 30, debit destination (bank account), etc.) sent from the user terminal 30 of the user who wishes to register as a credit card user. User identification information for identifying the user (for example, credit card number, telephone number of the user terminal 30, etc.) is associated and stored in the user information DB 120.

Further, when the registration means 12 receives store information (store location information, etc.) from the store terminal 20 of a store already registered in the store information DB 110, the registration means 12 uses the received contents as the contents registered in the store information DB 110. Update. With this, for example, even if the store moves (normal relocation or opening at an arbitrary location such as a flea market), it is possible to pre-register the location information of the store to which the store will be moved.

FIG. 3 is a diagram schematically showing data stored in the store information DB in a table format.
The store information DB 110 stores store identification information for identifying the store terminal 20, store information (for example, store name, store location information, transfer destination (bank account), etc.), and store terminal identification information in association with each other. ing. The store location information includes information indicating the address of the store and store terminal location information indicating the location of the store terminal 20 installed in the store. In this way, the store location information may be information indicating an address, or may be information indicated by latitude and longitude, as long as the location of the store (store terminal) can be specified.

A plurality of store terminal identification information can be associated with one store identification information. In this case, the store terminal location information of the store location information can be associated with a plurality of store terminal identification information, respectively. That is, when a plurality of store terminals 20 are provided in one store, each store terminal 20 is registered. Therefore, for example, in one restaurant, it is possible to install a store terminal 20 for each of a plurality of tables, and to register each store terminal 20 for each table in the store information DB 110. In such restaurants, registered store terminal location information is checked for each table, and payment can be made using a highly secure credit card. This reduces the processing burden on the store terminal 20 on the store side, and reduces the processing burden on the user's side. Now, customers can pay by credit card without having to wait for other customers to complete their payments as in the past.

Returning to FIG. 2, in the user information DB 120, user identification information is associated with user information, the limit amount of the user, the available amount, and the like.

The payment application information receiving means 13 receives from the user terminal 30 payment application information for applying for payment by credit card, which includes store identification information for identifying the store and amount information indicating the amount to be paid to the store. .
Further, the payment application information receiving means 13 receives payment application information including user terminal position information indicating the position of the user terminal 30 from the user terminal 30 . Note that the user terminal location information includes not only location information acquired by GPS, but also payment application information that includes user terminal identification information (phone number, etc.), and the user terminal 30 is sent to the telephone company from the user terminal identification information. Information obtained by inquiring about location information may also be used.
Further, the payment application information receiving means 13 receives payment application information including store terminal identification information for identifying the store terminal 20 from the user terminal 30 .

The location information determining means 14 stores store location information indicating the location of the store stored in the store information DB 110 in advance in association with the store identification information included in the payment application information received by the payment application information receiving means 13. get.
The location information determining unit 14 compares the user terminal location information received from the user terminal 30 by the payment application information receiving unit 13 with store location information indicating the location of the store terminal 20 acquired based on the store identification information, It is determined whether the distance indicated by the user terminal location information and the store location information is within a predetermined range (for example, within 1 m, etc.). Note that the store location information and the user terminal location information may be, for example, a MAC (Media Access Control) address or the like, in addition to information indicated by latitude and longitude, as long as the location can be specified.
As an example of a method of using a MAC address to determine location information, the following method can be exemplified.
In addition to the store identification information and the MAC address of the store terminal 20, the information sent from the user terminal 30 to the payment institution server 10 by the user terminal transmission means 31 includes short-range communication (e.g. Bluetooth (registered trademark), ANT (registered trademark), WLAN (Wireless LAN,), ZigBee (registered trademark), etc.) It is also possible to include information that only shows the facts.) The payment institution server 10 stores the MAC address of the store terminal 20 in advance in association with store identification information, and the received MAC address corresponds to the store identification information (or store terminal identification information) stored in advance. In addition to checking whether the MAC address is a MAC address, the user terminal 30 determines whether there is information indicating that the store identification information was acquired by the user terminal 30 through communication using short-range communication between the user terminal 30 and the store terminal 20. Then, it is determined whether the store terminal 20 is within a predetermined distance range.

The payment means 15 receives the payment amount indicated by the amount information received by the payment application information receiving means 13 when the location information determining means 14 determines that the distance indicated by the user terminal location information and the store location information is within a predetermined range. settle the payment. Further, the payment means 15 refers to the user information DB 120 based on the payment application information received by the payment application information receiving means 13, and determines whether or not the user can pay by credit card (for example, the payment amount information indicates It is determined whether the amount exceeds the available amount, etc.), and if it is determined that it is possible, the payment is made.

Based on the payment application information received by the payment application information receiving means 13, the payment completion information transmitting means 16 sends payment completion information indicating that the payment has been completed when the payment means 15 has settled the payment amount indicated by the amount information. It is transmitted to the store terminal 20 and user terminal 30 identified by the store identification information.
Further, when the payment application information receiving means 13 has received the payment application information including the store terminal identification information, the payment completion information transmitting means 16 transmits the payment completion information to the store terminal identified by the store terminal identification information. Send to 20.

Further, the payment completion information transmitting means 16 transmits information when the location information determining means 14 determines that the distance indicated by the user terminal location information and store location information is not within a predetermined range, or when the payment means 15 determines that payment is not possible. sends error information indicating the reason why payment is not possible to the store terminal 20 and user terminal 30.

(Configuration of store terminal 20)
The store terminal 20 includes equipment suitable for each store (for example, a general cash register, a mobile terminal, a smartphone, a tablet terminal, a car navigation system installed in a vehicle providing transportation services such as a taxi, a personal computer, a game device, etc.). , information home appliances such as televisions and refrigerators that can be connected to the network). The store terminal 20 may be the device itself as described above, or may be a control device that can communicate information with the plurality of devices described above via a local network.

The store terminal 20 includes a store information transmitting/receiving means 21, a checkout means 22, a display control means 23, and a store terminal input/output means 24, which is an example of a display means.

The store information transmitting/receiving means 21 transmits store information (store name, store location information, transfer destination (bank account), etc.) to the payment institution server 10.
Further, the store information transmitting/receiving means 21 receives store identification information and store terminal identification information from the payment institution server 10.

The store location information may be the address of the store, or may be location information acquired by the GPS function of the store terminal 20. The store terminal 20 may, for example, acquire store terminal location information, which is store location information, at any timing and transmit it to the payment institution server 10. For example, if the location where the store terminal 20 is installed changes (normal relocation or opening at an arbitrary location such as a flea market), the person managing the store terminal 20 can use the store terminal to provide store location information. The location information may be acquired and transmitted to the payment institution server 10.

The accounting means 22 calculates the settlement amount, which is the amount charged to the user (the consideration paid by the user to the store), based on the operation of the person managing the store terminal 20 or the user's operation.

When the accounting means 22 calculates the payment amount, the display control means 23 displays a two-dimensional bar indicating payment information including amount information indicating the payment amount, store identification information and store terminal identification information received by the store information transmitting/receiving means 21. Control is performed to display the code on the store terminal input/output means 24. Note that the payment information can be displayed in any display format that can be read by the user terminal 30, such as a one-dimensional barcode.
Furthermore, when receiving payment completion information from the payment institution server 10, the display control means 23 controls the store terminal input/output means 24 to display the payment completion information.

The store terminal input/output means 24 is composed of, for example, a display or a touch panel, and displays a two-dimensional barcode indicating payment information, payment completion information, etc. under the control of the display control means 23.

4 and 5 are display examples of images displayed on the store terminal input/output means.
As shown in FIG. 4, the display control means 23 performs control to display a two-dimensional barcode indicating the payment amount and payment information on the store terminal input/output means 24 when the accounting means 22 calculates the payment amount. . A user who pays the displayed settlement amount reads the two-dimensional barcode using the user terminal 30, and transmits settlement application information to the settlement institution server 10 based on the settlement information indicated by the read two-dimensional barcode.

The payment institution server 10 performs payment based on the received payment application information, and transmits payment completion information indicating that the payment has been completed to the store terminal 20. When the store terminal 20 receives the payment completion information, as shown in FIG. 5, the display control means 23 sends the payment information to the store terminal input/output means 24 instead of the payment information indicated by the two-dimensional barcode shown in FIG. Control is performed to display completion information (in the example shown in FIG. 5, a character image of "OO credit card payment completed").

(Configuration of user terminal 30)
Returning to FIG. 2, the user terminal 30 is comprised of devices suitable for each user (eg, a mobile terminal, a smartphone, a tablet terminal, a personal computer, a game device, etc.). The user terminal 30 may be the device itself as described above, or may be a control device that can communicate information with the plurality of devices described above via a local network. Further, the user terminal 30 may be a terminal installed in a store and operable by a user.

The user terminal 30 includes a user terminal control means 31, a user terminal transmitting/receiving means 32 which is an example of a user terminal receiving means and a user terminal transmitting means, a settlement information obtaining means 33, and a user terminal position control means 32 which is an example of a position information obtaining means. It includes an information acquisition means 34 and a user terminal input/output means 35.

The user terminal control means 31 controls the entire user terminal 30 including other various means, and executes each process shown below.

The user terminal transmitting/receiving means 32 transmits user information to the payment institution server 10 under the control of the user terminal control means 31 based on the user's operation. Further, when the user terminal transmitting/receiving means 32 acquires payment information by the payment information acquisition means 33 described later, the user terminal transmitting/receiving means 32 transmits the payment application information to the payment institution server 10 under the control of the user terminal control means 31.
Further, when the payment institution server 10 settles the payment amount indicated by the amount information based on the payment application information, the user terminal transmitting/receiving means 32 sends a payment completion indicating that the payment is completed under the control of the user terminal control means 31. Information is received from the payment institution server 10.
Further, if store terminal identification information is included in the payment information acquired by the payment information acquisition means 33 (described later), the user terminal transmitting/receiving means 32 transmits payment application information including the store terminal identification information to the payment institution server 10. do.

The payment information acquisition means 33 acquires payment information including store identification information and amount information indicating the amount of payment to be made to the store from the store terminal 20 .
Further, the settlement information acquisition means 33 acquires settlement information including store terminal identification information for identifying the store terminal 20 from the store terminal 20 .
Specifically, the payment information acquisition means 33 is composed of a module that reads a two-dimensional barcode including a camera, and reads the two-dimensional barcode indicating the payment information displayed on the store terminal input/output means 24, and performs payment processing. Get information.

The user terminal position information acquisition means 34 acquires user terminal position information indicating the position of the user terminal 30 using the GPS function of the user terminal 30. The user terminal location information acquisition means 34 acquires user terminal location information, for example, when the settlement information acquisition means 33 acquires settlement information. Note that the user terminal location information acquisition means 34 may obtain not only GPS but also a location calculated from the radio wave intensity of a telephone company's antenna as the user terminal location information, or a wireless LAN (Local Area Network) or the like. The position calculated by short-range wireless communication may be acquired as the user terminal position information.

Further, when receiving payment completion information from the payment institution server 10, the user terminal control means 31 controls the user terminal input/output means 35 to display the payment completion information.

The user terminal input/output means 35 is configured with a touch panel, for example, and under the control of the user terminal control means 31 displays a two-dimensional barcode indicating payment information, payment completion information, etc. It accepts operations that trigger a process for acquiring a two-dimensional barcode indicating information, a process for transmitting payment application information to the payment institution server 10, etc.

The functional configuration of the system described above is just an example, and one functional block (database and functional processing unit) may be divided, or multiple functional blocks may be combined into one functional block. Each functional processing unit uses a CPU (Central Processing Unit) built into the device, a ROM (Read Only Memory), a flash memory, and an SSD (Solid Processing Unit).
It is realized by a computer program that is executed by the CPU by reading a computer program (for example, core software or an application that causes the CPU to execute the various processes described above) stored in a storage device such as a hard disk or the like. In other words, each functional processing unit reads and writes necessary data such as tables from a database (DB) stored in a storage device or a storage area in memory, and in some cases, This is realized by controlling hardware (for example, input/output devices, display devices, communication interface devices). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it also means a simple collection of tables and files, and the internal structure of the database itself does not matter.

(Processing flow)
In the subsequent processing flow diagrams (flowcharts), the processing order of each step may be changed as long as the relationship between input and output of each step is not impaired. FIG. 6 is a diagram showing a payment processing flow executed by the payment institution server according to the first embodiment of the present invention.

In step S1, the payment application information receiving means 13 includes store identification information for identifying the store, amount information indicating the amount of payment to the store, and user terminal location information indicating the location of the user terminal 30, and the credit card Payment application information for applying for payment is received from the user terminal 30.
Further, the payment application information receiving means 13 may receive payment application information including store terminal identification information for identifying the store terminal 20 from the user terminal 30.

In step S2, the location information determining means 14 determines the store location acquired from the store information DB 110 based on the user terminal location information received from the user terminal 30 by the payment application information receiving means 13 in step S1 and the store identification information. It is determined whether the distance indicated by the user terminal location information and the store location information is within a predetermined range. If the location information determining means 14 determines that the distance indicated by the user terminal location information and the store location information is within a predetermined range, the process proceeds to step S3, and if it does not determine that the distance is within the predetermined range, the process proceeds to step S6. Processing is moved to .

In step S3, the payment means 15 refers to the user information DB 120, based on the payment application information received by the payment application information receiving means 13 in step S1, and determines whether the user is able to pay by credit card. If the payment means 15 determines that payment is possible, the process proceeds to step S4, and if it does not determine that payment is possible, the process proceeds to step S6.

In step S4, the settlement means 15 settles the settlement amount indicated by the amount information received by the settlement application information receiving means 13 in step S1.

In step S5, the payment completion information transmitting means 16 sends payment completion information indicating that the payment has been completed to the store identified by the store identification information based on the payment application information received by the payment application information receiving means 13 in step S1. It is transmitted to the terminal 20 and the user terminal 30.
Further, if the payment application information receiving means 13 has received the payment application information including the store terminal identification information in step S1, the payment completion information transmitting means 16 transmits the payment completion information to the store terminal identification information identified by the store terminal identification information. The information is sent to the store terminal 20.

In step S6, the payment completion information transmitting means 16 transmits error information indicating the reason why the payment is not possible to the store terminal 20 and the user terminal 30.

[Second embodiment]
(Basic concept/basic configuration)
Next, a second embodiment of the present invention will be described.
FIG. 7 is a diagram illustrating the concept of a payment service in a payment system to which a payment institution server according to the second embodiment of the present invention is applied.
The payment system 1A compares the user terminal location information and the store location information, and determines whether the distance indicated by the user terminal location information and the store location information is within a predetermined range, not by the payment institution server 10 but by the user terminal 30. The payment system 1 differs from the payment system 1 of the first embodiment (see FIG. 1) in that this is performed.
In the following description, the same components as in the first embodiment are denoted by the same reference numerals, and the description thereof will be omitted or simplified.

The payment system 1A is managed by a payment institution (payment institutions include institutions that operate virtual currency and electronic money in addition to conventional financial institutions), and includes a payment institution server 10 that allows payment by credit card. Stores connected to the payment institution server 10 via a network (member stores of credit cards (cards that allow payments using traditional currency, virtual currency, or electronic money), restaurants, retail stores, It includes a store terminal 20 managed at a department store, a flea market, a vehicle providing transportation services such as a taxi, a gate, etc.) and a user terminal 30 operated by a user (credit card user).

According to the payment system 1, for example, when paying at a store, payment information is displayed on the store terminal 20 in the form of a two-dimensional barcode. This payment information includes store identification information, which is information for identifying a store and is registered in advance in the payment institution server 10, and amount information indicating the amount of payment by the user to the store. Such settlement information is read by the user terminal 30.

The user terminal 30 reads the payment information displayed on the store terminal 20 and receives (acquires) store location information of the store identified by the store identification information included in the payment information from the payment institution server 10. Further, the user terminal 30 acquires user terminal position information indicating the position of the user terminal 30 using, for example, a GPS function.

The user terminal 30 compares the acquired store location information with the acquired user terminal location information and determines whether the distance indicated by the user terminal location information and the store location information is within a predetermined range.

Then, when the user terminal 30 determines that the distance indicated by the user terminal location information and the store location information is within a predetermined range, the user terminal 30 includes the user identification information, store identification information, and amount information, and applies for payment by credit card. The payment application information to be sent is sent to the payment institution server 10. On the other hand, if the user terminal 30 does not determine that the distance indicated by the user terminal location information and the store location information is within the predetermined range, the user terminal 30 displays, for example, error information and sends the payment application information to the payment institution server 10. Do not send.

The payment institution server 10 receives the payment application information and settles the payment amount indicated by the amount information included in the received payment application information.
Then, based on the payment application information, when the payment amount indicated by the amount information is settled, the payment institution server 10 sends payment completion information indicating that the payment is completed, which is managed at the store identified by the store identification information. It is transmitted to the store terminal 20 and the user terminal 30 identified by the user identification information.

The store terminal 20 and user terminal 30 that have received the payment completion information display a payment completion image or the like on the display means (for example, a display, etc.) indicating that the payment has been completed. This allows the store clerk and the user to confirm that the price at the store has been paid.

According to such a payment system 1A, the same effects as the payment system 1 of the first embodiment are achieved.

(Functional configuration)
FIG. 8 is a diagram showing the functional configuration of a payment system according to the second embodiment of the present invention. The payment system 1A is a system that allows payment by credit card, and includes a payment institution server 10 that allows payment by credit card, and a store terminal managed in a store that is connected to the payment institution server 10 via a network. 20 and a user terminal 30 operated by a user.
In the payment system 1A, the user terminal transmitting/receiving means 32 functions as a store location information acquisition means for acquiring store location information indicating the location of the store from the payment institution server 10, and compares the user terminal location information with the store location information. The payment system of the first embodiment is characterized in that the user terminal 30, not the payment institution server 10, is provided with a location information determining means for determining whether the distance indicated by the user terminal location information and the store location information is within a predetermined range. 1 (see Figure 2).

The payment institution server 10 uses the store information transmitting/receiving means 11 to transmit store location information indicating the location of the store to the user terminal 30 at an arbitrary timing. For example, the store information transmitting/receiving means 11 may transmit store location information to the user terminal 30 in response to a request from the user terminal 30, or store location information may be sent to the store location information at the timing when the registration means 12 registers or updates the store information. may be transmitted to the user terminal 30.

The user terminal transmitting/receiving means 32 receives store location information from the payment institution server 10 at an arbitrary timing under the control of the user terminal control means 31. For example, the user terminal transmitting/receiving means 32 may receive the store location information of the store identified by the store identification information included in the payment information at the timing when the payment information acquisition means 33 acquires the payment information, or may receive the store location information of the store identified by the store identification information included in the payment information. Store location information may be received at a timing when the load is relatively low.

The location information determination means 36 compares the store location information acquired by the user terminal transmitting/receiving means 32 and the user terminal location information acquired by the user terminal location information acquisition means 34, and determines the user terminal location information and the acquired store location information. It is determined whether the distance indicated by is within a predetermined range (for example, within 1 m, etc.).

When the location information determining section 36 determines that the distance indicated by the user terminal location information and the acquired store location information is within a predetermined range, the user terminal transmitting/receiving means 32 includes store identification information and amount information, Send payment application information for applying for payment by credit card to the payment institution server.
On the other hand, if the location information determining section 36 does not determine that the distance indicated by the user terminal location information and the acquired store location information is within the predetermined range, the user terminal control section 31 controls the user terminal input/output section 35 to , error information indicating that the reliability of the store terminal 20 is low is displayed.

Based on the received payment application information, the payment institution server 10 performs payment of the payment amount indicated by the amount information. That is, in the payment system 1A of the second embodiment, the user terminal 30 determines whether the distance indicated by the user terminal location information and the store location information is within a predetermined range, and the payment institution server 10 does not perform the determination. Payment is made based on the payment application information provided. In this way, by performing the process of determining whether the distance indicated by the user terminal location information and the store location information is within a predetermined range at each user terminal 30, payment application information is received from a plurality of user terminals 30, The processing load on the payment institution server that processes each payment can be reduced.

Note that both the payment institution server 10 and the user terminal 30 may determine whether the distance indicated by the user terminal location information and the store location information is within a predetermined range. In this case, double checking becomes possible and safety is improved.

(Processing flow)
In the subsequent processing flow diagrams (flowcharts), the processing order of each step may be changed as long as the relationship between input and output of each step is not impaired. FIG. 9 is a diagram showing a payment processing flow executed by a user terminal according to the second embodiment of the present invention.

In step S11, the payment information acquisition means 33 acquires payment information including store identification information for identifying the store and amount information indicating the amount of payment to the store from the store terminal 20 managed at the store.
Further, the settlement information acquisition means 33 acquires settlement information including store terminal identification information for identifying the store terminal 20 from the store terminal 20 .

In step S12, the user terminal transmitting/receiving means 32 receives (acquires) store location information of the store identified by the store identification information included in the payment information acquired by the payment information acquisition means 33 in step S11 from the payment institution server 10. do.

In step S13, the user terminal location information acquisition means 34 acquires user terminal location information indicating the location of the user terminal 30.

In step S14, the location information determining means 36 compares the store location information acquired by the user terminal transmitting/receiving means 32 in step S12 and the user terminal location information acquired by the user terminal location information acquiring means 34 in step S13, and It is determined whether the distance indicated by the terminal location information and the store location information is within a predetermined range. If the location information determining means 36 determines that the distance indicated by the user terminal location information and the store location information is within a predetermined range, the process proceeds to step S15, and if it does not determine that the distance is within the predetermined range, the process proceeds to step S18. Processing is moved to .

In step S15, the user terminal transmitting/receiving means 32 transmits to the payment institution server 10 payment application information that includes store identification information and amount information and requests payment by credit card.
Further, if the store terminal identification information is included in the payment information acquired by the payment information acquisition means 33 in step S11, the user terminal transmitting/receiving means 32 sends the payment application information including the store terminal identification information to the payment institution server 10. Send.

In step S16, when the payment institution server 10 settles the payment amount indicated by the amount information based on the payment application information, the user terminal transmitting/receiving means 32 indicates that the payment is completed under the control of the user terminal control means 31. Payment completion information is received from the payment institution server 10.

In step S17, the user terminal control means 31 controls the user terminal input/output means 35 to display payment completion information.

In step S18, the user terminal control means 31 causes the user terminal input/output means 35 to display an error message indicating that the reliability of the store terminal 20 is low. In this step, the user terminal control means 31 displays, for example, ``Caution! <Detailed information>'' According to the information obtained from the payment terminal, this store has the name of the contracted member store "OO Restaurant" and the store location (address). "Tokyo OO Ward XX". The address derived from the location information of the customer's mobile device is "OO address, Kita-ku, Osaka city...". Credit card transactions are risky. Displays an error message with simplified meaning, such as ``.

(Effects of embodiment)
According to the first and second embodiments, when a user makes a payment at a store, the user can proceed with the payment process without passing his or her information to the store.
Therefore, it is possible to further improve the security of payment.

In addition, the location of the store and the location of your terminal can be compared, and the payment process can proceed only if these are within a predetermined range. This makes it possible to prevent payments from being made to other stores.

Further, the payment application information includes store terminal identification information that identifies each store terminal 20 within the store instead of the entire store, and payment completion information can be transmitted for each store terminal 20. Therefore, for example, in one restaurant, store terminals 20 are installed for each of a plurality of tables, and payments can be made using the store terminals 20 for each table. As a result, the processing load on the store terminal 20 can be reduced on the store side, and the user can make a payment without having to wait for other customers to complete their checkout, unlike in the past.

Although the present invention has been described above using the embodiments, it goes without saying that the technical scope of the present invention is not limited to the scope described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the embodiments described above. Furthermore, it is clear from the claims that forms with such changes or improvements may also be included within the technical scope of the present invention. In the above embodiment, the present invention is described as an invention of a request device, but the present invention can also be regarded as an invention of a request method.

1,1A Payment system 10 Payment institution server 11 Store information transmission/reception means 12 Registration means 13 Payment application information reception means 14 Location information determination means 15 Payment means 16 Payment completion information transmission means 20 Store terminal 21 Store information transmission/reception means 22 Accounting means 23 Display Control means 24 Store terminal input/output means 30 User terminal 31 User terminal control means 32 User terminal transmission/reception means 33 Payment information acquisition means 34 User terminal location information acquisition means 35 User terminal input/output means 36 Location information determination means 110 Store information DB (store information database)
120 User information DB (user information database)

Claims (6)

A payment institution server program that performs payment when a user receives products or services at a store,
The payment institution server,
Adding the user identification information and user terminal location information of the user terminal to the store identification information included in the two-dimensional barcode read by the user terminal of the user from the store terminal of the store and the settlement amount of payment to the store. payment application information receiving means for receiving payment application information for applying for payment of the payment amount from the user terminal;
The user terminal location information is compared with the regular store location information registered in the payment institution server based on the store identification information read by the user terminal, and the user terminal location information and the store location information indicate position information determining means for determining whether the distance is within a predetermined range;
means for displaying a message on the user terminal indicating that the reliability of the store terminal is low when the location information determining means determines that the distance indicated by the store location information is not within the predetermined range;
A program that functions as A user terminal program that performs payment when a user receives products or services at a store,
The user terminal connected to the payment institution server via a network,
At the store, a payment information acquisition means reads a two-dimensional barcode containing store identification information and a payment amount to be paid to the store from a store terminal of the store;
location information acquisition means for acquiring user terminal location information indicating the location of the user terminal;
Based on the store identification information, receive regular store location information registered in the payment institution server from the payment institution server, compare the regular store location information with the user terminal location information, and location information determining means for determining whether the distance indicated by the user terminal location information and the authorized store location information is within a predetermined range;
means for displaying a message on the user terminal indicating that the reliability of the store terminal is low when the location information determining means determines that the distance indicated by the authorized store location information is not within the predetermined range;
A program that functions as The program further includes:
a payment unit that settles the payment amount when the location information determination unit determines that the distance indicated by the user terminal location information and the authorized store location information is within a predetermined range;
Settlement completion information transmitting means for transmitting settlement completion information indicating that the settlement is completed to the store terminal and the user terminal when the settlement means settles the settlement amount;
The program according to claim 1 , which is made to function as a program. 3. The program according to claim 1, wherein the authorized store location information includes an address of the store and location information of one or more of the store terminals. A payment institution server that performs payment when a user receives products or services at a store,
At the store, the user identification information of the user's user terminal and the user are included in the store identification information included in the two-dimensional barcode read by the user's user terminal from the store terminal of the store and the settlement amount paid to the store. Payment application information receiving means for receiving payment application information for applying for payment of the payment amount including terminal location information from the user terminal;
The user terminal location information is compared with the regular store location information registered in the payment institution server based on the store identification information read by the user terminal, and the user terminal location information and the store location information indicate position information determining means for determining whether the distance is within a predetermined range;
means for displaying a message on the user terminal indicating that the reliability of the store terminal is low when the location information determining means determines that the distance indicated by the store location information is not within the predetermined range;
A payment institution server equipped with A method executed by a payment institution server that performs payment when a user receives products or services at a store, the method comprising:
At the store, the user identification information of the user's user terminal and the store identification information included in the two-dimensional barcode read by the user's user terminal from the store terminal and the settlement amount of the payment to the store are included. receiving from the user terminal payment application information for applying for payment of the payment amount including user terminal location information;
The user terminal location information is compared with the regular store location information registered in the payment institution server based on the store identification information read by the user terminal, and the user terminal location information and the store location information indicate determining whether the distance is within a predetermined range;
In the determining step, if it is determined that the distance indicated by the store location information is not within the predetermined range, displaying a message on the user terminal indicating that the reliability of the store terminal is low;
method including.