JPWO2022190344A5 - - Google Patents
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- JPWO2022190344A5 JPWO2022190344A5 JP2023505032A JP2023505032A JPWO2022190344A5 JP WO2022190344 A5 JPWO2022190344 A5 JP WO2022190344A5 JP 2023505032 A JP2023505032 A JP 2023505032A JP 2023505032 A JP2023505032 A JP 2023505032A JP WO2022190344 A5 JPWO2022190344 A5 JP WO2022190344A5
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- payment
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- 238000000034 method Methods 0.000 claims 5
- 238000006243 chemical reaction Methods 0.000 claims 4
- 230000005540 biological transmission Effects 0.000 claims 2
Claims (10)
顧客に商品を販売又はサービスを提供したことにより生じる決済に関する決済情報を含む決済代行要求を前記決済代行サーバに送信する、管理サーバと、を含み、
前記決済代行サーバは、
口座開設を希望する利用者から口座情報を取得し、前記利用者を識別するための顧客ＩＤを生成し、前記顧客ＩＤと前記口座情報を紐づけるための紐づけ情報を生成する、口座情報管理部と、
外部装置から取得した前記紐づけ情報に基づき前記顧客ＩＤを特定し、前記特定された顧客ＩＤに基づき前記口座情報を特定すると共に、前記特定された口座情報と前記決済代行要求に含まれる決済情報を用いて決済処理を行う、決済処理部と、
を備える、システム。 A payment processing server,
a management server that sends a payment agency request to the payment agency server including payment information regarding payments caused by selling products or providing services to customers ;
The payment agency server is
Account information management that acquires account information from a user who wishes to open an account, generates a customer ID to identify the user, and generates linking information to link the customer ID and the account information. Department and
Identifying the customer ID based on the linking information obtained from an external device, identifying the account information based on the identified customer ID, and payment information included in the identified account information and the payment agency request. a payment processing unit that performs payment processing using
A system equipped with.
前記顧客ＩＤを前記口座情報に変換するための第１の変換テーブルと、
前記紐づけ情報を前記顧客ＩＤに変換するための第２の変換テーブルと、をさらに備え、
前記決済処理部は、
前記第２の変換テーブルを参照し、前記紐づけ情報から前記顧客ＩＤを取得し、
前記第１の変換テーブルを参照し、前記取得された顧客ＩＤから前記口座情報を取得する、請求項１に記載のシステム。 The payment agency server is
a first conversion table for converting the customer ID to the account information;
further comprising a second conversion table for converting the linking information to the customer ID,
The payment processing unit is
refer to the second conversion table and obtain the customer ID from the linking information;
The system according to claim 1, wherein the account information is obtained from the obtained customer ID by referring to the first conversion table.
前記口座情報管理部は、前記生成された紐づけ情報を前記認証サーバに送信し、
前記認証サーバは、
前記利用者の生体認証に用いる生体情報と、前記利用者と前記管理サーバが設置されたサービス提供者の組み合わせにより一意に定まるサービスユーザＩＤと、前記紐づけ情報と、を対応付けて認証情報データベースに記憶する、請求項１又は２に記載のシステム。 further includes an authentication server;
The account information management unit transmits the generated linking information to the authentication server,
The authentication server is
An authentication information database is created by associating biometric information used for biometric authentication of the user, a service user ID uniquely determined by a combination of the user and the service provider where the management server is installed, and the linking information. 3. The system according to claim 1 or 2, wherein the system stores:
前記認証サーバは、前記認証要求に含まれる生体情報と前記認証情報データベースに記憶された生体情報を用いた生体認証により前記サービスユーザＩＤを特定し、前記特定したサービスユーザＩＤを前記管理サーバに送信し、
前記管理サーバは、前記認証サーバから受信したサービスユーザＩＤを用いて前記顧客に商品を販売又はサービスを提供すると共に、前記認証サーバから受信したサービスユーザＩＤを含む紐づけ情報送信要求を前記認証サーバに送信し、
前記認証サーバは、前記紐づけ情報送信要求に含まれるサービスユーザＩＤに対応する紐づけ情報を含む紐づけ情報通知と前記サービスユーザＩＤを前記決済代行サーバに送信する、請求項３に記載のシステム。 The management server transmits an authentication request including biometric information of the customer to the authentication server,
The authentication server identifies the service user ID through biometric authentication using the biometric information included in the authentication request and the biometric information stored in the authentication information database, and transmits the identified service user ID to the management server. death,
The management server sells products or provides services to the customer using the service user ID received from the authentication server, and sends a linking information transmission request including the service user ID received from the authentication server to the authentication server. and send it to
The system according to claim 3, wherein the authentication server transmits the service user ID and a link information notification including link information corresponding to the service user ID included in the link information transmission request to the payment agent server. .
前記決済代行サーバは、前記サービスユーザＩＤが共通する前記紐づけ情報通知と前記決済代行要求を受信すると、前記決済処理を実行する、請求項４に記載のシステム。 The management server transmits the payment agent request including the service user ID received from the authentication server and the payment information to the payment agent server,
5. The system according to claim 4, wherein the payment agent server executes the payment processing upon receiving the association information notification and the payment agent request having the same service user ID.
前記管理サーバは、前記認証サーバから受信したサービスユーザＩＤと前記決済情報を含む前記決済代行要求を前記決済代行サーバに送信し、
前記決済代行サーバは、前記サービスユーザＩＤが共通する前記紐づけ情報通知と前記決済代行要求を受信すると、前記決済処理を実行する、請求項３に記載のシステム。 When the authentication server succeeds in the biometric authentication, the authentication server transmits a linking information notification including the linking information corresponding to the service user ID of the successfully authenticated person to the payment agent server,
The management server transmits the payment agent request including the service user ID received from the authentication server and the payment information to the payment agent server,
4. The system according to claim 3, wherein the payment proxy server executes the payment processing upon receiving the association information notification and the payment proxy request that have the same service user ID.
前記認証サーバは、前記利用者の生体情報と、前記サービス提供者ごとの紐づけ情報と、前記サービス提供者ごとの前記サービスユーザＩＤと、を対応付けて前記認証情報データベースに記憶する、請求項３に記載のシステム。 The payment agency server generates the linking information for each of the plurality of service providers,
The authentication server stores the biometric information of the user, the association information for each service provider, and the service user ID for each service provider in the authentication information database in association with each other. The system described in 3.
前記認証サーバは、前記所定期間、前記サービスユーザＩＤ及び前記紐づけ情報を前記決済代行サーバに送信せず、
前記決済代行サーバは、前記所定期間に受信した前記決済代行要求を前記所定期間保持されているサービスユーザＩＤ及び紐づけ情報を用いて処理する、請求項４に記載のシステム。 The payment agent server retains the service user ID and the linking information used in the payment process for a predetermined period after the payment process is completed;
the authentication server does not transmit the service user ID and the linking information to the payment agent server for the predetermined period;
5. The system according to claim 4, wherein the payment proxy server processes the payment proxy request received during the predetermined period using a service user ID and linking information held for the predetermined period.
前記管理サーバは、前記認証サーバから受信した前記トークンと前記決済情報を含む前記決済代行要求を前記決済代行サーバに送信し、
前記決済代行サーバは、前記トークンが共通する前記紐づけ情報通知と前記決済代行要求を受信すると、前記決済処理を実行する、請求項６に記載のシステム。 When the biometric authentication is successful, the authentication server sends a linking information notification containing a token generated for each purchase transaction and the linking information to the payment agent server in place of the service user ID of the successful authentication user. send,
The management server transmits the payment agent request including the token and the payment information received from the authentication server to the payment agent server,
7. The system according to claim 6, wherein the payment agent server executes the payment process upon receiving the association information notification and the payment agent request that share the same token.
管理サーバと、
を含むシステムにおいて、
口座開設を希望する利用者から口座情報を取得し、
前記利用者を識別するための顧客ＩＤを生成し、
前記顧客ＩＤと前記口座情報を紐づけるための紐づけ情報を生成し、
顧客に商品を販売又はサービスを提供したことにより生じる決済に関する決済情報を含む決済代行要求を前記決済代行サーバに送信し、
外部装置から取得した前記紐づけ情報に基づき前記顧客ＩＤを特定し、
前記特定された顧客ＩＤに基づき前記口座情報を特定し、
前記特定された口座情報と前記決済代行要求に含まれる決済情報を用いて決済処理を行う、決済代行方法。 A payment processing server,
management server,
In a system that includes
Obtain account information from users who wish to open an account,
generating a customer ID for identifying the user;
generating linking information for linking the customer ID and the account information;
Sending a payment agency request to the payment agency server that includes payment information related to payments caused by selling products or providing services to the customer;
identifying the customer ID based on the linking information obtained from an external device;
identifying the account information based on the identified customer ID;
A payment agency method that performs payment processing using the specified account information and payment information included in the payment agency request.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/JP2021/009996 WO2022190344A1 (en) | 2021-03-12 | 2021-03-12 | System and proxy payment method |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JPWO2022190344A1 JPWO2022190344A1 (en) | 2022-09-15 |
| JPWO2022190344A5 true JPWO2022190344A5 (en) | 2023-11-17 |
Family
ID=83226501
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2023505032A Pending JPWO2022190344A1 (en) | 2021-03-12 | 2021-03-12 |
Country Status (2)
| Country | Link |
|---|---|
| JP (1) | JPWO2022190344A1 (en) |
| WO (1) | WO2022190344A1 (en) |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP4676058B2 (en) * | 2000-11-10 | 2011-04-27 | ヤフー株式会社 | Electronic payment system, payment method, payment server |
| US7502761B2 (en) * | 2006-02-06 | 2009-03-10 | Yt Acquisition Corporation | Method and system for providing online authentication utilizing biometric data |
| JP6806586B2 (en) * | 2017-02-17 | 2021-01-06 | 株式会社日本総合研究所 | Payment reception device, computer system, payment reception method and payment reception program |
-
2021
- 2021-03-12 WO PCT/JP2021/009996 patent/WO2022190344A1/en active Application Filing
- 2021-03-12 JP JP2023505032A patent/JPWO2022190344A1/ja active Pending
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