KR20220020267A - Information processing method, program, terminal - Google Patents

Abstract

An information processing method of a terminal that executes payment-related processing based on first information for performing payment by a code image includes: receiving first information transmitted from a server through a communication unit of the terminal; storing the information in the storage unit of the terminal by the control unit of the terminal, and displaying the first code image based on the first information and the visual information in a display area of the terminal, wherein the visual information is the display of the first code image and visual information based on the display in the area, wherein the payment is executed by the server based on the first information and the visual information received by the server based on the display of the first code image.

Description

Information processing method, program, terminal

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

In recent years, a service for realizing electronic money (electronic money) management of a terminal or terminal user, payment by electronic money, and the like by an application executable in a terminal such as a smartphone has been popularized. For example, Patent Document 1 discloses a technique for paying a purchase price of a product. However, there are cases in which it is inconvenient to use electronic money, for example, depending on the communication environment and communication conditions of the terminal, in some cases where payment cannot be made.

Patent Document 1: Japanese Patent Laid-Open No. 2002-176671

According to a first aspect of the present invention, there is provided an information processing method of a terminal that executes payment-related processing based on first information for performing payment by a code image, transmits the first information transmitted from a server to a communication unit of the terminal and storing the received first information in a storage unit of the terminal by a control unit of the terminal, and displaying a first code image based on the first information and the visual information in a display area of the terminal, The time information includes time information based on the display on the display area of the first code image, and the payment is made to the server based on the first information and the time information received by the server based on the display of the first code image is executed by

According to a second aspect of the present invention, a program executed by a computer of a terminal that executes processing related to a payment based on first information for performing a payment by a code image transmits the first information transmitted from the server to the terminal Receiving through the communication unit of the, storing the received first information in a storage unit of the terminal, and displaying the first code image based on the first information and the visual information in a display area of the terminal, the visual information includes visual information based on the display of the first code image in the display area, and the payment is executed by the server based on the first information and the visual information received by the server based on the display of the first code image do.

According to a third aspect of the present invention, a terminal that executes payment-related processing based on first information for performing payment by a code image includes: a communication unit for receiving first information transmitted from a server; A control unit that controls storing the first information in a storage unit of the terminal, and a display unit that displays a first code image based on the first information and time information, wherein the time information is displayed on the display unit of the first code image and the time information based on, wherein the payment is executed by the server based on the first information and the time information received by the server based on the display of the first code image.

According to a fourth aspect of the present invention, a terminal that executes processing related to payment based on first information for performing payment by code image reads a program from a memory storing the program, and performs processing based on the program Having a processor executing displaying the first code image based on the display area of the terminal, the visual information includes visual information based on the display of the first code image on the display area, and the payment is performed on the display of the first code image. executed by the server based on the first information and the time information received by the server based on the

According to a fifth aspect of the present invention, there is provided an information processing method of a server executing a settlement of a terminal that performs settlement-related processing based on first information for making a settlement by a code image, the first information being transmitted to a communication unit of the server a first code image transmitted from the code reading device on the basis of which the first code image based on the first information and the visual information displayed on the display area of the terminal is read by the code reading device receiving the first information and the time information based on the communication unit, and performing settlement based on the first information and the time information and the time information based on the reading of the first code image by the code reading device; The information includes visual information based on the display in the display area of the first code image.

According to a sixth aspect of the present invention, there is provided an information processing method of a terminal that executes payment-related processing based on first information for performing payment by a code image, transmits the first information transmitted from a server to a communication unit of the terminal receiving through the terminal, storing the received first information in the storage unit of the terminal by the control unit of the terminal, and displaying the first information and a second code image based on second information different from the first information in the display area of the terminal and displaying, wherein the payment is executed by the server based on the first information and the second information received by the server based on the display of the first code image.

According to a seventh aspect of the present invention, a program executed by a computer of a terminal that executes payment-related processing on the basis of first information for making payment by code image transmits the first information transmitted from the server to the terminal receiving through the communication unit of the, storing the received first information in the storage unit of the terminal, and displaying the first code image based on the first information and the second information different from the first information on the display area of the terminal wherein the payment is executed by the server based on the first information and the second information received by the server based on the display of the first code image.

According to an eighth aspect of the present invention, a terminal that executes payment-related processing based on first information for performing payment by a code image includes: a communication unit for receiving first information transmitted from a server; A control unit for controlling storing one information in a storage unit of the terminal, and a display unit for displaying a first code image based on the first information and second information different from the first information, wherein payment is performed by the first code executed by the server based on the first information and the second information received by the server based on the display of the image.

According to a ninth aspect of the present invention, a terminal executing processing related to payment based on first information for making payment by code image reads a program from a memory in which the program is stored, and performs processing based on the program A processor comprising: receiving the first information transmitted from the server through a communication unit of the terminal; storing the received first information in a storage unit of the terminal; the first information; and the first information display in the display area of the terminal a first code image based on second information different from and executed by the server.

According to a tenth aspect of the present invention, there is provided an information processing method of a server executing a settlement of a terminal that performs settlement-related processing based on first information for performing settlement by a code image, wherein the first information is transmitted to a communication unit of the server from the code reading device, based on the first code image being transmitted to the terminal via receiving first information and second information based on the transmitted first code image through the communication unit; including making payments.

BRIEF DESCRIPTION OF THE DRAWINGS A figure which shows an example of the structure of the communication system in one aspect of embodiment.
[ Fig. 2] Fig. 2 is a diagram showing an example of a system configuration of an in-store POS system in one aspect of the embodiment.
[FIG. 3-1] A flowchart showing an example of a process flow executed by various devices in one aspect of the embodiment.
[ Fig. 3-2 ] A diagram showing an example of a display screen of a terminal in one aspect of the embodiment.
[ Fig. 3-3 ] A diagram showing an example of a display screen of a terminal in one aspect of the embodiment.
[FIG. 3-4] A flowchart showing an example of a processing flow executed by various devices in an aspect of the embodiment.
[Fig. 4-1] A diagram showing an example of a function realized by the control unit of the server according to the first embodiment.
[Fig. 4-2] A diagram showing an example of information stored in the storage unit of the server according to the first embodiment.
[Fig. 4-3] A diagram showing an example of user registration data according to the first embodiment.
[Fig. 4-4] A diagram showing an example of store registration data according to the first embodiment.
4-5] A diagram showing an example of a payment management database according to the first embodiment.
[Fig. 4-6] A diagram showing an example of a function realized by the control unit of the terminal according to the first embodiment.
4-7] A diagram showing an example of information stored in the storage unit of the terminal according to the first embodiment.
4-8] A diagram showing an example of data for payment according to the first embodiment.
4-9] A diagram showing an example of a display screen of the terminal according to the first embodiment.
4-10] A diagram showing an example of a display screen of the terminal according to the first embodiment.
4-11] A diagram showing an example of a display screen of the terminal according to the first embodiment.
[Fig. 4-12] A flowchart showing an example of a processing flow executed by the various apparatuses according to the first embodiment.
[Fig. 4-13] A diagram showing an example of a display screen of a terminal according to a first modification.
[Fig. 4-14] A diagram showing an example of a display screen of a terminal according to a first modification.
4-15] A diagram showing an example of a display screen of a terminal according to the first modification.
[FIG. 5-1] A diagram showing an example of information stored in the storage unit of the terminal according to the second embodiment.
[Fig. 5-2] A flowchart showing an example of a processing flow executed by various devices according to the second embodiment.
[Fig. 5-3] A diagram showing an example of a function realized by the control unit of the terminal according to the second modification.
[Fig. 5-4] A diagram showing an example of information stored in the storage unit of the terminal according to the second modification.
[Fig. 6-1] A diagram showing an example of a display screen of a terminal according to the third embodiment.
[Fig. 6-2] A diagram showing an example of a display screen of a terminal according to the third embodiment.
[Fig. 6-3] A flowchart showing an example of a processing flow executed by various devices according to the third embodiment.
Fig. 6-4 is a diagram showing an example of a display screen of a terminal according to a third modification.
[Fig. 7-1] A diagram showing an example of information stored in a storage unit of a terminal according to the fourth embodiment.
[Fig. 7-2] A diagram showing an example of code supplemental condition data according to the fourth embodiment.
[Fig. 8-1] A diagram showing an example of information stored in a storage unit of a terminal according to the fifth embodiment.
[Fig. 8-2] A diagram showing an example of display mode setting data according to the fifth embodiment.
[Fig. 8-3] A diagram showing an example of display mode setting data according to the fifth embodiment.
[Fig. 8-4] A diagram showing an example of a display screen of a terminal according to the fifth embodiment.
[Fig. 8-5] A diagram showing an example of a display screen of a terminal according to the fifth embodiment.
[Fig. 8-6] A diagram showing an example of a display screen of a terminal according to the fifth embodiment.
[Fig. 8-7] A diagram showing an example of a display screen of a terminal according to the fifth embodiment.
[Fig. 9-1] A diagram showing an example of store registration data according to the sixth embodiment.
[Fig. 9-2] A diagram showing an example of a function realized by the control unit of the terminal according to the sixth embodiment.
[Fig. 9-3] A diagram showing an example of information stored in the storage unit of the terminal according to the sixth embodiment.
[Fig. 9-4] A diagram showing an example of data for payment according to the sixth embodiment.
[Fig. 9-5] A diagram showing an example of authentication skip condition data according to the sixth embodiment.
[Fig. 9-6] A flowchart showing an example of a processing flow executed by various devices according to the sixth embodiment.
[Fig. 9-7] A diagram showing an example of authentication skip condition data according to a sixth modification.
[Fig. 10] A flowchart showing an example of a processing flow executed by various devices according to the seventh embodiment.
11-1] A diagram showing an example of a payment management database according to the eighth embodiment.
[Fig. 11-2] A diagram showing an example of code management data according to the eighth embodiment.

<Complying with legal matters>

It should be noted that the disclosure described in this specification is premised on compliance with the legal matters of the implementing country necessary for the practice of the present invention, such as communication secrets.

EMBODIMENT OF THE INVENTION Embodiment for implementing the information processing method etc. which concern on this invention is described with reference to drawings.

[System Configuration]

1 is a diagram showing an example of the configuration of a communication system 1 according to an embodiment of the present invention.

As shown in FIG. 1 , the communication system 1 includes a server 10 and a terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) and a store POS system via a network 30 . (40) is connected.

The server 10 provides a service for realizing transmission and reception of content including a message and the like between the terminal 20 and the terminal 20 owned by the user via the network 30 . In addition, the server 10 communicates with the terminal 20 to provide a service (hereinafter referred to as a "settlement service") for realizing an electronic payment (not limited, but an example of payment). In addition, the number of terminals 20 connected to the network 30 is not limited.

The network 30 serves to connect one or more terminals 20 , one or more servers 10 , and one or more store POS systems 40 . That is, the network 30 refers to a communication network that provides a connection path to transmit/receive data after the various devices are connected.

One or more portions of the network 30 may or may not be a wired network or a wireless network. The network 30 is, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN ( wireless LAN (WLAN), wide area network (WAN), wireless WAN (WWAN), metropolitan area network (MAN), part of the Internet, Public Switched Telephone Network (PSTN) part of, mobile phone networks, integrated service digital networks (ISDN), wireless LANs, long term evolution (LTE), code division multiple access (CDMA), Bluetooth (Bluetooth®), satellite communications, etc., or two thereof It may include a combination of the above. Network 30 may include one or more networks 30 .

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) (not limited, but an example of a terminal and an information processing device) is information processing capable of realizing the functions described in each embodiment. Any terminal may be used as long as it is a terminal. The terminal 20 may include, by way of example, but not limitation, a smartphone, a mobile phone (feature phone), a computer (including, but not limited to, a desktop, laptop, tablet, etc.), a media computer platform (by way of example, but not limitation). , cables, satellite set set-top boxes, digital video recorders), portable computer devices (including but not limited to personal digital assistants (PDAs), e-mail clients, etc.), wearable terminals (glasses-like devices, watch-like devices, etc.) or other It includes a kind of computer, or communication platform. In addition, the terminal 20 may be expressed as an information processing terminal.

Since the configurations of the terminal 20A, the terminal 20B, and the terminal 20C are basically the same, the terminal 20 will be described in the following description. In addition, if necessary, the terminal used by the user X is expressed as the terminal 20X, and user information in a predetermined service associated with the user X or the terminal 20X is expressed as the user information X. In addition, the user information is user information associated with an account used by the user in a predetermined service. User information is, for example, and not limited to, a user's name input by a user or given by a predetermined service, a user's icon image, a user's age, a user's gender, a user's address, a user's hobbies, and a user information associated with the user, such as an identifier of the

The server 10 (not limited, but an example of a server, an information processing device, and an information management device) has a function of providing a predetermined service to the terminal 20 . The server 10 may be any information processing device capable of realizing the functions described in each embodiment. Server 10 may include, by way of example, but not limitation, a server device, a computer (including, but not limited to, a desktop, laptop, tablet, etc.), a media computer platform (including, but not limited to, a cable, satellite set-top box, digital video recorders), portable computer devices (such as, but not limited to, PDAs, electronic mail clients, etc.), or other types of computers or communication platforms. In addition, the server 10 may be expressed as an information processing device. In the case where it is not necessary to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be expressed as information processing devices, respectively.

In the embodiment described below, the server 10 will be described as having a function of providing a payment service by a payment application.

The store POS system 40 is a POS system that is introduced and used in a store that is affiliated with a business operator that operates the server 10 .

The store POS system 40 includes, by way of example and not limitation, a store code reader device 50 , a code register 60 , and a store server 70 .

[Hardware (HW) configuration of each device]

The HW configuration of each device included in the communication system 1 will be described.

(1) HW configuration of terminal

1 shows an example of the HW configuration of the terminal 20 .

The terminal 20 includes a control unit 21 (CPU: central processing unit), a storage unit 28, a communication I/F 22 (interface), an input/output unit 23, a display unit 24, A microphone 25, a speaker 26, a camera 27, a watch unit 29A, and an information detection unit 29B for position calculation are provided. Each component of the HW of the terminal 20 is connected to each other via a bus B by way of example and not limitation. In addition, as the HW configuration of the terminal 20, it is not necessary to include all components. By way of example and not limitation, the terminal 20 may or may not have a configuration that excludes individual components or a plurality of components, such as the microphone 25 and the camera 27 .

The communication I/F 22 transmits and receives various data through the network 30 . Communication may be performed either by wire or wirelessly, and any communication protocol may be used as long as communication can be performed with each other. The communication I/F 22 has a function of performing communication with various devices such as the server 10 through the network 30 . The communication I/F 22 transmits various types of data to various devices such as the server 10 according to an instruction from the control unit 21 . In addition, the communication I/F 22 receives various data transmitted from various devices such as the server 10 and transmits it to the control unit 21 . In addition, the communication I/F 22 may be simply expressed as a communication unit. In addition, when the communication I/F 22 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 23 includes a device for inputting various manipulations for the terminal 20 and a device for outputting processing results processed by the terminal 20 . The input/output unit 23 may have an input unit and an output unit integrated, or may be separated into an input unit and an output unit, or may not.

The input unit is realized by any one or a combination of all kinds of devices capable of receiving an input from a user and transmitting information about the input to the control unit 21 . The input unit includes, by way of example and not limitation, a hardware key such as a touch panel, a touch display, a keyboard, or a pointing device such as a mouse, a camera (operation input through a video), and a microphone (operation input by voice).

The output unit is realized by any one or a combination of all kinds of devices capable of outputting the processing result processed by the control unit 21 . The output unit includes, by way of non-limiting example, a touch panel, a touch display, a speaker (audio output), a lens (for example, without limitation, 3D (three dimensions) output or hologram output), a printer, and the like.

The display unit 24 is realized by any one or a combination of all kinds of devices capable of displaying in accordance with the display data written in the frame buffer. The display unit 24 includes, but is not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display or an organic electroluminescence display (OELD)), a head mounted display (HMD), Projection mapping, holograms, and devices capable of displaying image or text information in air (which may or may not be vacuum) are included. In addition, such a display unit 24 may or may not display display data in 3D.

When the input/output unit 23 is a touch panel, the input/output unit 23 and the display unit 24 may be disposed to face each other with substantially the same size and shape.

The clock unit 29A is a built-in clock of the terminal 20, and outputs time information (time information). The clock part 29A is constituted by a clock using a crystal oscillator or the like as an example, not limitation. The watch unit 29A is an example, not a limitation, and may be expressed as a time time unit or a time information detection unit.

In addition, the clock part 29A may be provided with the clock to which the NITZ (Network Identity and Time Zone) standard etc. are applied, and may not be provided with it.

The position calculation information detection unit 29B has a function of detecting (measuring) information necessary for the control unit 21 to calculate (measure) the position of its own terminal 20 (hereinafter referred to as “position calculation information”). is wealth The information detection unit 29B for position calculation is an example without limitation, and can also be expressed as a sensor unit for position calculation.

The position calculation information detection unit 29B is, for example, and not limited to, a satellite position sensor (satellite position sensor) which is a sensor or unit for calculating the position of the terminal 20 using a satellite positioning system such as GPS (Global Positioning System). positioning unit) or an inertial measurement sensor (inertial measurement unit (IMU)) that is a sensor or unit for calculating the position of the terminal 20 using the inertial navigation system.

The satellite positioning unit is, by way of example and not limitation, an RF receiver circuit that converts an RF (Radio Frequency) signal including a positioning satellite signal transmitted from a positioning satellite received from an antenna (not shown) into a digital signal; Baseband processing for capturing a positioning satellite signal by performing a correlation calculation process or the like on a digital signal output from the receiving circuit, and outputting information such as satellite orbit data and time data extracted from the positioning satellite signal as position calculation information circuit and the like.

The inertial measurement apparatus includes an inertial sensor, which is a sensor that detects information necessary to calculate the position of the terminal 20 by inertial navigation calculation. The inertial sensor includes, by way of example and not limitation, a 3-axis acceleration sensor or a 3-axis gyro sensor, and outputs the acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor as information for position calculation.

The control unit 21 is provided with a physically structured circuit for executing a function realized by a code or an instruction included in a program, and is realized by a data processing device embedded in hardware by way of example and not limitation. For this reason, the control unit 21 may or may not be expressed as a control circuit.

The control unit 21 is, by way of example and not limitation, a central processing unit (CPU), a microprocessor, a processor core, a multiprocessor, an ASIC (application-specific integrated circuit), an FPGA (field programmable gate array).

The storage unit 28 has a function of storing various programs and various data required for the terminal 20 to operate. The storage unit 28 includes various storage media, such as a hard disk drive (HDD), a solid state drive (SSD), a flash memory, a random access memory (RAM), and a read only memory (ROM) by way of example and not limitation. include In addition, the storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the storage unit 28 , and by executing the program P, the control unit 21 executes a process as a part included in the control unit 21 . That is, the program P stored in the storage unit 28 makes the terminal 20 realize the function executed by the control unit 21 . In addition, this program P may be expressed as a program module, and it does not need to be.

The microphone 25 is used for input of voice data. The speaker 26 is used for outputting audio data. The camera 27 is used to acquire moving picture data.

(2) HW configuration of server

1 shows an example of the HW configuration of the server 10 .

The server 10 includes a control unit 11 (CPU), a storage unit 15 , a communication I/F 14 (interface), an input/output unit 12 , a display 13 , and a clock unit 19 . Each component of the HW of the server 10 is interconnected via a bus B by way of example and not limitation. In addition, it is not essential that the HW of the server 10 includes all components as the HW configuration of the server 10 . By way of example and not limitation, the HW of the server 10 may or may not have the same configuration as that except for the display 13 .

The control unit 11 is provided with a physically structured circuit for executing a function realized by a code or an instruction included in a program, and is realized by a data processing device embedded in hardware by way of example and not limitation.

The control unit 11 is typically a central processing unit (CPU), and other microprocessors, processor cores, multiprocessors, and ASIC FPGAs may or may not be sufficient. In this invention, the control part 11 is not limited to these.

The storage unit 15 has a function of storing various programs or various data necessary for the server 10 to operate. The storage unit 15 is realized by various storage media such as HDD, SSD, and flash memory. However, in the present invention, the storage unit 15 is not limited thereto. In addition, the storage unit 15 may or may not be expressed as a memory.

The communication I/F 14 transmits/receives various data through the network 30 . Communication may be performed either by wire or wirelessly, and any communication protocol may be used as long as communication can be performed with each other. The communication I/F 14 has a function of performing communication with various devices such as the terminal 20 via the network 30 . The communication I/F 14 transmits various types of data to various devices such as the terminal 20 according to an instruction from the control unit 11 . In addition, the communication I/F 14 receives various data transmitted from various devices such as the terminal 20 and transmits it to the control unit 11 . In addition, the communication I/F 14 may be simply expressed as a communication unit. In addition, when the communication I/F 14 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 12 is realized by a device for inputting various operations to the server 10 . The input/output unit 12 is realized by any one or a combination of all kinds of devices capable of receiving an input from a user and transmitting information about the input to the control unit 11 . The input/output unit 12 is realized as a hardware key, typically represented by a keyboard, or a pointing device, such as a mouse. In addition, the input/output unit 12 may or may not include a touch panel, a camera (operation input via video), and a microphone (operation input via voice) as an example and not limitation. However, in the present invention, the input/output unit 12 is not limited thereto.

The display 13 is typically realized by a monitor (for example, without limitation, a liquid crystal display or an organic electroluminescence display (OELD)). In addition, the display 13 may be a head mounted display (HMD) etc., and it does not need to be. In addition, these displays 13 may or may not be able to display display data in 3D. In the present invention, the display 13 is not limited to these.

The clock unit 19 is a built-in clock of the server 10, and outputs time information (time information). By way of example and not limitation, the clock unit 19 includes an RTC (Real Time Clock) as a hardware clock, a system clock, and the like. The clock unit 19 may be expressed as a timekeeping unit or a time information detection unit by way of example and not limitation.

(3) Store POS system configuration

2 shows an example of the system configuration of the store POS system 40 .

The store POS system 40 is a POS system that is introduced and used in stores that are affiliated with a business operator who operates the server 10 , and is not limited thereto. and a store server 70 .

The store code reader device 50 uses the POS communication I/F 57 (for example, without limitation, wired communication I/F or wireless communication I/F of the store) to the code register 60 or the store server 70 ) and the code image for terminal display displayed on the display unit 24 of the terminal 20 at the time of accounting in the code register 60 can be read. Then, based on the reading of the code image for terminal display, payment request information is transmitted to the server 10 by the communication I/F 54, and after payment is made in the server 10, information about the payment result (For example, a notification of completion of payment for a store to be described later) is received from the server 10 by the communication I/F 54 .

The store code reader device 50 is, by way of example and not limitation, a control unit 51 , an input/output unit 52 , a display unit 53 , a communication I/F 54 , a storage unit 55 , and a sound output unit ( 56 ), a POS communication I/F 57 , a code reader 58 , and a clock unit 59 .

The code reader 58 is a code reader for reading a two-dimensional code, and in this specification, a two-dimensional code (eg, QR) displayed on the display unit 24 of the terminal 20 and presented by a user of the terminal 20 . and a two-dimensional code reader (eg, a QR code reader) for reading a code for terminal display as a code (registered trademark).

The code register 60 is a non-limiting example, and is communicatively connected to the store code reader device 50 and the store server 70 by the POS communication I/F 57, and the store code reader device 50 is Based on the payment completion notification for the store received from the server 10, a receipt printed with information such as the total amount of products sold or the user's electronic money balance of the terminal 20 is issued. In addition, as a non-limiting example, a display may be configured integrally with the code register 60 or provided separately from the code register 60 so as to face the display surface on the customer side. The code register 60 is a register configured to be compatible with a payment application, and may be referred to as a deferred terminal corresponding to a payment application.

The store server 70 is, for example, and not limited to, store information on its own store, information about products sold in its own store, information about services provided in its own store, or sales of products in its own store. B. Manage various information such as information on sales related to service provision. The store server 70 is configured to be able to communicate with the store code reader device 50 and the code register 60 by the POS communication I/F 57 , and at the same time, via the network 30 , the server 10 etc. It is configured to be able to communicate with an external device of

In addition, the store server 70 does not necessarily need to be configured to be able to communicate directly with the store code reader device 50 , and may be configured to be able to communicate with the store code reader device 50 through the code register 60 . good night. For example, the store code reader device 50 may transmit the payment completion notification for the store received from the server 10 to the code register 60 and then transmit it from the code register 60 to the store server 70 . there is.

(4) Others

The server 10 stores the program P in the storage unit 15 , and by executing the program P, the control unit 11 executes a process as a part included in the control unit 11 . That is, the program P stored in the storage unit 15 causes the server 10 to realize each function executed by the control unit 11 . This program P may or may not be expressed as a program module.

The same is true for other devices.

In each embodiment of this invention, it demonstrates as realizing by the CPU of the terminal 20 and/or the server 10 executing the program P.

The same is true for other devices.

In addition, the control unit 21 of the terminal 20 and/or the control unit 11 of the server 10 is not only a CPU having a control circuit, but also an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc. Each processing may be realized by a logic circuit (hardware) or a dedicated circuit formed by . In addition, these circuits may be implemented by one or more integrated circuits, and a plurality of processes shown in each embodiment may be implemented by one integrated circuit, or it may not. Also, the LSI is sometimes referred to as a VLSI, a super LSI, an ultra LSI, or the like according to a difference in integration degree. For this reason, the control unit 21 may or may not be expressed as a control circuit.

The same is true for other devices.

In addition, the program P of each embodiment of the present invention (by way of non-limiting example, a software program, a computer program, or a program module) may or may not be provided in a state stored in a computer-readable storage medium. The storage medium may store the program P in "a non-transitory tangible medium". In addition, the program P may be for realizing the function of each embodiment of this invention, and it does not need to be. In addition, a so-called difference file (differential program) may or may not be sufficient as what can implement|achieve the function of each embodiment of this invention in combination with the program P already recorded in the storage medium.

The storage medium may include one or more semiconductor-based, or other integrated circuits (ICs) (eg, but not limited to, Field-Programmable Gate Array (FPGA) or Application-Specific Integrated Circuit (ASIC), etc.), HDD (Hard Disk Drive), etc. , HHD (Hybrid Hard Drive), Optical Disk, ODD (Optical Disk Drive), magneto-optical disk, magneto-optical drive, floppy diskette, FDD (Floppy Disk Drive), magnetic tape, SSD (Solid State Drive), RAM drive, secure digital a card or drive, any other suitable storage medium, or a suitable combination of two or more thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, as appropriate. The storage medium is not limited to these examples, and any device or medium may be used as long as the program P can be stored therein. In addition, the storage medium may or may not be expressed as a memory.

The server 10 and/or the terminal 20 read the program P stored in the storage medium and execute the read program P to realize the functions of the plurality of functional units shown in the respective embodiments.

The same is true for other devices.

In addition, the program P of the present invention may or may not be provided to the server 10 and/or the terminal 20 via any transmission medium (communication network or broadcast wave, etc.) capable of transmitting the program. The server 10 and/or the terminal 20 implement|achieve the function of the some functional part shown in each embodiment by executing the program P downloaded via the Internet etc. as an example and not limitation.

The same is true for other devices.

In addition, each of the embodiments of the present invention can be realized in the form of a data signal in which the program P is embodied by electronic transmission.

At least a part of the processing in the server 10 and/or the terminal 20 may or may not be realized by cloud computing composed of one or more computers.

At least part of the processing in the terminal 20 may or may not be configured to be performed by the server 10 . In this case, the server 10 may or may not perform at least a part of the processing of the respective functional units of the control unit 21 of the terminal 20 .

At least a part of the processing in the server 10 may be configured to be performed by the terminal 20, or may not be necessary. In this case, at least a part of the processing of the respective functional units of the control unit 11 of the server 10 may or may not be configured such that the terminal 20 performs the processing.

Unless explicitly stated, the configuration of the judgment in the embodiment of the present invention is not essential, and a predetermined process is operated when the judgment condition is satisfied, or a predetermined process is performed when the judgment condition is not satisfied, or It may or may not be good.

In addition, the program of this invention uses script languages, such as ActionScript and JavaScript (trademark), compiler languages, such as Objective-C, Java (registered trademark), and markup language, such as HTML5, as an example and not limitation. to be mounted

In addition, in this specification, the expression "by communication I/F" is used appropriately. This indicates that the device transmits/receives various types of information and data through communication I/F (via communication unit) based on control of a control unit (processor or the like) by way of example and not limitation.

<First embodiment>

Recently, as an application (application software) related to a network service, an application such as an application for electronic payment using electronic money (payment application), an application for remittance of electronic money (remittance application), or some or all functions of these applications A payment application that integrates .

The embodiment described below is an example, not a limitation, and is an embodiment in which a user of the terminal 20 performs payment by using a payment application that is stored and executed in the terminal 20 . Specifically, we propose a technology that can properly execute payments even offline.

Hereinafter, a business that provides a payment service by a payment application is referred to as a “payment service provider”. In addition, the payment service provider may or may not be expressed as a business operator that provides a payment application or a business operator of the server 10 .

In addition, hereinafter, it will be described that the server 10 is operated and managed by the payment service provider. In addition, below, the name of a payment application is appropriately called "Payment App", and it shows and demonstrates.

In addition, the payment application may be provided by the server 10 as a standalone application having no function of a so-called Messaging Service (MS), or provided by the server 10 as a complex application having the function of MS. It may be possible to In addition, the messaging service may or may not include an instant messaging service (IMS) that enables transmission and reception of contents such as simple messages between the terminals 20 .

In addition, the payment application may be provided by the server 10 as a stand-alone application that does not have a function of a so-called social networking service (SNS), or as a complex application having a function of SNS, to the server 10 It may be provided by

In addition, MS (including IMS) can be considered as one form (one form) of SNS. For this reason, MS and SNS may or may not be distinguished from each other.

In addition, a store affiliated with a payment service provider is referred to as a "merchant (merchant store)", and in FIG. 1, "merchant S1", "merchant S2", ... is shown as

In addition, "electronic money" is electronic money that is distinct from physical money, and it means electronic money owned by the terminal 20 managed in the payment application or the terminal 20 user, and "payment" is this electronic money It means electronic payment using money.

In addition, electronic money may be expressed as "electronic money" or "digital currency (digital money)", and it is not necessary to do so.

In addition, as "electronic money (electronic money)" or "digital currency (digital money)", legal currency may be used and virtual currency may be used.

In addition, "electronic money (electronic money)" and "digital currency (digital money)" may include crypto currency (encryption asset).

In addition, the virtual currency may include physical money, such as a coupon.

The contents described in the first embodiment are applicable to any of the other respective embodiments.

<Payment method>

(1) Online payment

First, as an aspect, an online payment method will be described with reference to a flowchart.

Hereinafter, "online" indicates whether the terminal 20 can communicate with the server 10, and "online state" indicates this online state. In addition, "online payment" shall indicate that payment is made by the server 10 in an online state.

In the following, communication between the terminal 20 and the server 10 is an example, not a limitation, and a frequency band different from the wireless LAN communication realized through a base station installed by a communication company (communication carrier) or the like. Assume that it is realized by the first communication method using The first communication method includes, by way of example and not limitation, packet communication (so-called mobile data communication in the terminal 20).

In addition, as a communication method, you may use the 2nd communication method different from the 1st communication method, and it is not necessary to do so. The second communication method includes, by way of non-limiting example, a wireless LAN (eg, WiFi (registered trademark)).

In addition, the "online state" may or may not define that the terminal 20 and the server 10 can communicate by at least one of a 1st communication method and a 2nd communication method.

3-1 is a flowchart showing an example of a processing flow executed by each apparatus in this case. In order from the left, the processing executed by the control unit 21 of the terminal 20, the processing executed by the control unit 51 of the store code reader device 50, and the processing executed by the control unit 11 of the server 10 Each example is shown.

Each step in each process is represented by a combination of uppercase letters and numbers in the alphabet, and the term “step” is omitted in this specification.

In addition, the flowchart described below is merely illustrative of the processing in the present embodiment, and some steps may not be executed or additional steps may be inserted in the flowchart described below.

These are the same for other flowcharts in this specification.

First, the control unit 21 transmits, by the communication I/F 22 (via the communication I/F 22), code generation request information for requesting generation of a code for terminal display to the server 10 ( A110).

Hereinafter, by way of example and not limitation, "code information" refers to information stored in a code image by encoding (encoding), etc. or information stored in a code image (hereinafter referred to as "original information" in the sense of original information). It will be described as a concept including a "code image" in which original information is stored. That is, "code information" includes "original information" and "code image".

"Original information" may be expressed as "encoding information" or "stored information", or it may not be expressed as such.

In addition, below, it is assumed that "code" has substantially the same meaning as "code information" as an example without limitation.

However, this definition is only an example to the last, and is not limited thereto.

For example, the term "code information" may or may not be used in the meaning of "original information".

Further, for example, the term "code" may or may not be used in the meaning of "code image".

In the present embodiment, as an example of the original information, it is a number that is uniquely generated by the server 10 for each terminal 20 of the source of the code generation request information or for each user of the terminal 20, and has a random number of predetermined digits. “Payment number”, which is a number, is exemplified. The payment number is information associated with the terminal 20 or the terminal 20 user, and may also be referred to as information used for payment by the server 10 .

Hereinafter, the code for payment generated by the server 10 due to the code generation request information is referred to as a "code for terminal display", and the code image of the code for terminal display is referred to as "code image for terminal display".

The details will be described later, but the number for payment is stored in the code image for terminal display.

The number for payment and the code image for terminal display are examples of "first information" for performing payment by the code image, and are transmitted from the server 10 .

Hereinafter, a case where the information for requesting the server 10 to generate the above-described code image for terminal display is used as the code generation request information is exemplified. That is, this processing is an example and not limitation, and it is assumed that generation of a code image for terminal display is requested from the terminal 20 to the server 10, and in A110, code generation for requesting generation of a code image for terminal display The request information is transmitted to the server (10).

In addition, in this specification, the "code for terminal display" is demonstrated as a code used for payment in the payment type "terminal code display".

In the payment type "terminal code display", when the terminal 20 user pays at a store, etc., using the payment application stored in the terminal 20, the terminal display code image displayed on the terminal 20 is displayed in the store. Present to the staff as code register (60). Then, the terminal display code image is read out by the store code reader device 50 or the like, thereby realizing payment.

Since the terminal display code is a code (code image) presented by the terminal 20 user to an employee of a store or the like, it can also be expressed as "code for presentation" or "code for user presentation".

The code generation request information transmitted from A110 may include, by way of example, not limitation, identification information for identifying the terminal 20 or a user of the terminal 20 . For example, terminal identification information (eg, terminal ID) for identifying one's own terminal 20, user identification information (eg, user ID) for identifying the user of one's terminal 20, account information of a payment application (eg, application ID) and the like are included here.

When the code generation request information is received from the terminal 20 by the communication I/F 14 (C110), the control unit 11 executes a code generation process for terminal display (C120).

Specifically, as a non-limiting example, a method (algorithm) of generating a random number of a predetermined number of digits (eg, about 10 to 12 digits) is used, and a random number of a predetermined number is used as a payment number. generate And, as an example and not limitation, a code image for terminal display including at least a payment number as original information is generated. More specifically, at least the number for payment is encoded (encoded) and graphically (imaged) to generate a code image for terminal display represented by an image of a two-dimensional code (eg, QR code). In addition, the terminal 20 or terminal 20 user identification information included in the received code generation request information and the generated payment number are associated with each other and stored in the storage unit 15 .

Next, the control unit 11 transmits the generated terminal display code (in this example, the terminal display code image) to the terminal 20 by way of the communication I/F 14 (C130). The terminal 20 receives the terminal display code (in this example, the terminal display code image) from the server 10 by the communication I/F 22 (A130). In this case, the control unit 21 displays the received code image for terminal display on the display unit 24 by way of example and not limitation.

After that, when the terminal display code image displayed on the display unit 24 is presented by the terminal 20 user to a store employee or the like, the control unit 51 controls the terminal display code image displayed on the display unit 24 of the terminal 20 . Control is performed so that the image is read by the code reader 58 (B150).

Then, the control unit 51 accesses the server 10 by the communication I/F 54 using an application interface (API) associated with the payment application, etc., provided (distributed) by the payment service provider, At least the payment number obtained by decoding from the read terminal display code image, identification information for identifying the store or the store code reader device 50 (hereinafter referred to as "store identification information"), and the payment scheduled amount ( Hereinafter, the payment request information including the "planned payment amount") is transmitted to the server 10 by the communication I/F 54 (B160).

When payment request information is received from the store code reader device 50 through the communication I/F 14 (C160), the control unit 11 performs a payment process (C170). Specifically, it is determined whether the number for payment included in the received payment request information is stored in the storage unit 15 in association with the terminal 20 or identification information of the terminal 20 user. And when it is stored, it is determined that "payment is possible", and the terminal 20 or terminal 20 user's electronic money balance (application of a payment application) identified from the identification information stored in association with the payment number. The payment is made by subtracting the expected payment amount from the balance of the electronic money associated with the ID (hereinafter, simply referred to as “balance”).

Thereafter, the control unit 11 transmits a store payment completion notification (hereinafter referred to as a "store payment completion notification") to the store code reader device 50 via the communication I/F 14 (C180). The in-store payment completion notification includes, by way of example and not limitation, payment information for stores such as the effect that the payment has been completed (successful), the payment date and time (settlement date and time), and the payment amount (payment amount).

In addition, the control unit 11 transmits a terminal payment completion notification (hereinafter, referred to as "terminal payment completion notification") to the terminal 20 via the communication I/F 14 (C190). The payment completion notification for terminals includes, by way of example and not limitation, the effect that the payment has been completed (successful), the date and time of the payment (payment date and time), store identification information of the store where the payment was made (payment store identification information), and the amount paid ( payment information for terminals, such as payment amount). Then, the control unit 11 ends the process.

In addition, here, when the payment by the server 10 is successful, it is assumed that the store payment completion notification and the terminal payment completion notification are transmitted from the server 10, but the server 10 cannot make the payment due to insufficient balance or the like. there are cases where there is no In this case, what is necessary is just to transmit to the store code reader device 50 and the terminal 20 a notification (for example, a payment error notification, a payment NG notification) to the effect that payment was not possible.

The same is true for other treatments.

Upon receiving a notice of completion of in-store payment from the server 10 through the communication I/F 54 (B180), the control unit 51 ends the processing.

In addition, when receiving the terminal payment completion notification from the server 10 by the communication I/F 22, the control unit 21 to the terminal 20 as data of the payment application based on the received terminal payment completion notification Update the stored balance. In addition, the control unit 21 displays the payment result on the display unit 24 (A190). Then, the control unit 21 ends the process.

3-2 is a diagram illustrating an example of a main screen displayed in a payment application executed in the terminal 20 .

This main screen is a display screen displayed when the payment application is started, and "Payment App", which is the name of the payment application, is displayed at the top of the screen. In the frame below it, the balance (here, "3,000 yen") is displayed, and next to it, a charge button for charging (adding) electronic money is displayed. In addition, a plurality of function icons corresponding to various functions of the payment application are displayed below it.

Among these function icons, the icon indicated by "code" is a "code icon" for displaying a code display screen on the display unit 24 by way of example, not limitation. When this code icon is touch-operated by the user of the terminal 20 , as an example and not limitation, code generation request information is transmitted from the terminal 20 to the server 10 , and the code for terminal display by the server 10 . is created Then, the generated terminal display code is transmitted from the server 10 to the terminal 20 , and the code display screen shown in FIG. 3-3 is displayed on the display unit 24 of the terminal 20 .

3-3 is a diagram showing an example of a code display screen.

On this code display screen, the characters of “code” are displayed at the top of the screen, and the points tab for setting the payment method, points owned by the user, and whether or not to use the points to make a payment is displayed below it. there is.

In addition, below it, as a code image of the code for terminal display acquired from the server 10, a code image for one-dimensional terminal display displayed as a barcode and a code image for two-dimensional terminal display displayed as a QR code QC0 are different in the display screen. Each area is marked. In addition, under the barcode, as an example, a 12-digit number for payment is displayed.

In addition, in this example, the terminal display code displayed on the code display screen has a time limit (hereinafter referred to as "code use deadline") that can be used for payment using the code. The code expiration date is an example, not a limitation, and is "the date and time that a specified time (eg, "5 minutes") has elapsed from the time (date and time) when the code for terminal display on the terminal 20 was displayed (display started)" can do. The stipulated time can be changed to an appropriate setting.

The code expiration date is a deadline based on the code display time (code display date and time) on the terminal 20 side, and since it is a deadline for displaying the terminal display code on the terminal 20, it can also be expressed as "code display deadline". .

In addition, the prescribed time can also be expressed as "code display time".

And, below the code image QC0 for the two-dimensional terminal display, the remaining time until the code expiration date is displayed in a countdown format. This remaining time is displayed based on the information clocked by the clock unit 29A of the terminal 20 . When the remaining time becomes "0", this code for terminal display becomes unusable, and it becomes necessary to re-acquire the code for terminal display from the server 10 when making a payment.

The terminal 20 user presents the code display screen of FIG. 3-3 to the store staff as the code register 60 until the code expiration date, and reads the terminal display code image in the store code reader device 50 by make a payment In this case, the store code reader device 50 accesses the server 10 by the communication I/F 54 using the above-described API or the like, and transmits information necessary for payment to the server 10 . Accordingly, payment processing is performed by the server 10 .

In addition, as described above, if the terminal 20 is configured to display a code display screen on the display unit 24 at the timing when the terminal display code is received from the server 10, it is not limited as an example, and the server ( When 10) generates a code image for terminal display, it stores the code expiration date in association with the generated terminal display code image, and at the same time notifies the terminal 20 of the associated code expiration date, and the server 10 and The terminal 20 may be configured to share information on the expiration date of the code.

Although the processing for realizing an online payment has been exemplified so far, it is necessary that the terminal 20 and the server 10 are in a communicationable state (online state) in order to apply the above processing. Of course, it is also necessary that the store code reader device 50 and the server 10 are in a state capable of communication.

However, when payment is made in a place with bad radio wave conditions, such as underground, or when the line is congested at an event venue, etc., the communication volume of the terminal 20 for a certain period (eg, one month) exceeds a certain amount. In the case where a limit or communication speed limit is applied, it is assumed that the terminal 20 and the server 10 are unable to communicate (or difficult to communicate), making it difficult to make a payment. Accordingly, a method for realizing payment even in such a case is exemplified below.

(2) Offline payment

An offline payment method as an aspect of the method of the present invention will be described with reference to a flowchart.

Hereinafter, "offline" indicates that the terminal 20 cannot communicate with the server 10, and "offline state" indicates this offline state. In addition, "offline payment" shall indicate that payment is made by the server 10 in an offline state. In addition, it is assumed that the store code reader device 50 can communicate with the server 10 on the premise.

In addition, in the following, based on the code for terminal display generated by the server 10, the code for payment that is processed (including processing, generation, display, etc.) on the terminal 20 side is "for extended terminal display" code", and the code image of this code for extended terminal display is called "code image for extended terminal display."

The code for extended terminal display is a code used for payment in the payment type "terminal code display" like the code for terminal display, but is not limited to only online payment, and is a code that can be used for offline payment as well.

In addition, the code for displaying the extended terminal may be used not only for offline payment but also for online payment. That is, it is not essential to determine (detect) whether the terminal 20 is in an offline state, and it is possible to make payment using the extended terminal display code regardless of the online state/offline state.

This is also true for other treatments.

3-4 is a flowchart showing an example of a processing flow executed by each apparatus in this case. The drawings are the same as the above-described flowcharts.

The flowchart of FIG. 3-4 is a rewritten version of the flowchart of FIG. 3-1 with an offline specification. The flowchart of FIG. 3-1 is, by way of example and not limitation, a processing step in an online state (eg A240), a processing step in an offline state (eg A250, B250, B280), and returning from an offline state to an online state. The processing steps in one case (eg, A290, C290) are different.

After A130, the control unit 21 stocks the received terminal display code (in this example, a terminal display code image) in the storage unit 28 (A240).

Here, "stock" means storing the received terminal display code in the storage unit 28 for later use.

In addition, in this specification, "stock" may be simply expressed as "store". In addition, stocking the code for terminal display is sometimes expressed as "store the code for terminal display in code stock data for terminal display".

In this process, in order to enable offline payment, the terminal display code (in this example, the terminal display code image) acquired from the server 10 in the online state is stocked (stored) in the storage unit 28 of the terminal 20, put And, when payment in an offline state is required, the stocked terminal display code is used to enable payment without the need to communicate with the server 10 .

Described specifically. After A240, it is said that it went offline.

Here, the terminal 20 is an example, not a limitation, and detects that it has gone offline by any one of the following methods.

(A) During execution of the payment application in the terminal 20, a connection confirmation request is transmitted from the server 10 to the terminal 20 at a regular timing or a specific timing, and the connection confirmation request is sent from the terminal 20 For , a connection response including identification information (eg, application ID) is sent to the server 10 . In this case, if the control unit 21 of the terminal 20 does not receive the connection confirmation request from the server 10, it is determined that it is in the offline state.

(B) during execution of the payment application in the terminal 20, at regular timing or at a specific timing, a connection notification including identification information (eg, application ID) is transmitted from the terminal 20 to the server 10, The server 10 causes a connection confirmation to be transmitted to the terminal 20 in response to the connection notification. In the offline state, the connection notification cannot be transmitted from the terminal 20 to the server 10 . For this reason, as an example and not a limitation, when the control part 21 of the terminal 20 detects generation|occurrence|production of the transmission error of a connection notification, it determines with being in an offline state.

In addition, whether the terminal 20 is in an offline state by acquiring information on the communication status of its own terminal 20 by using a library or an application that acquires the network connection status as an example and not limitation. may or may not be judged.

In the offline state, when the terminal display code image stocked in A240 is displayed on the display unit 24 (A250) and presented by the user to a store employee, etc., the control unit 51 controls the display unit 24 of the terminal 20 Control is performed to read the code image for terminal display displayed in , by the code reader 58 (B250). Then, the control unit 51 shifts the processing to B160.

After B160, upon receiving a notification of completion of payment for in-store payment from server 10 by communication I/F 54 (B280), based on the received notification of completion of payment for in-store, offline payment is completed (successful) ) is verbally notified to the terminal 20 user.

After C180, the control unit 11 transmits a terminal payment completion notification to the terminal 20 (C290). However, in the offline state, the terminal 20 cannot receive the payment completion notification for the terminal. When the terminal 20 returns to the online state, a terminal payment completion notification transmitted from the server 10 is received by the terminal 20 . Then, when the terminal payment completion notification is received from the server 10 by the communication I/F 22 , the control unit 21 displays the payment result on the display unit 24 based on the received terminal payment completion notification (A290).

The processing described above is an example of processing for offline payment.

Here, since the code for terminal display is a one-time code, it is considered to set a code usage period for the code for terminal display for offline payment as well as for online payment.

However, this method cannot be directly applied to offline payment. Because, in the online state, the server 10 communicates with the terminal 20 and can recognize that the terminal display code is displayed on the terminal 20 , so the time information of the clock unit 19 of the server 10 . Based on the , it can be determined whether the code expiration date has elapsed. However, since the server 10 cannot communicate with the terminal 20 in the offline state, it cannot recognize that the terminal display code is displayed on the terminal 20 .

Specifically, in an online state, when a payment application is activated in the terminal 20, as an example, and not limitation, identification information (eg, application ID) for identifying the terminal 20 or the terminal 20 user is the terminal (20) to the server (10). Thereby, the server 10 can recognize that the payment application was started in the terminal 20. However, in the offline state, even if the payment application is started, identification information cannot be transmitted from the terminal 20 to the server 10 . For this reason, even if the code for terminal display is displayed on the terminal 20, since the server 10 cannot recognize this, it cannot specify the code use period either.

In addition, for example, the code image for terminal display displayed by the malicious user in the payment application of his/her terminal 20 is saved by a screen shot of his/her terminal 20, and the saved code image for terminal display. You can also use to pay.

In addition, there is a possibility that the code image for terminal display displayed in the payment application of one user terminal 20 is photographed by another user by the camera of the user terminal 20 and payment is made.

<Function Configuration>

(1) Server function configuration

4-1 is a diagram showing an example of a function realized by the control unit 11 of the server 10 in the present embodiment.

Hereinafter, a case in which the user of the terminal 20 uses the payment application stored in the terminal 20 to make a payment by the above-described payment type “terminal code display” is exemplified as an example, not limitation.

The server 10 includes a payment management processing unit 111 as a function realized by the control unit 11 .

The payment management processing unit 111, according to the payment management processing program 151 stored in the storage unit 15, manages various information or data related to the payment application executed in the terminal 20 or the terminal 20 or the terminal (20) It has a function of executing payment management processing for managing the user's payment by electronic money.

The payment management processing unit 111 is an example, not a limitation, and a code generation processing unit 1111 for terminal display that generates a code for terminal display by a code generation processing for terminal display, and a payment processing unit that executes settlement by payment processing (1113) is included as a functional part.

The code generation processing unit 1111 for terminal display generates a code image for terminal display displayed as a two-dimensional code by way of example, not limitation. A two-dimensional code is a code of a display system that has information in the horizontal and vertical directions, and a matrix code in which small squares are arranged vertically (hereinafter referred to as "matrix code"), or a one-dimensional code (limited to As an example not, there is a stacked code (hereinafter, referred to as a “stack code”) in which a plurality of barcodes are stacked up and down.

In this embodiment, for simplification of explanation, a QR code (registered trademark), which is an example of a widely used matrix code, will be described as an example of a code for terminal display.

In addition, unlike this embodiment, codes such as SP codes, vericodes, maxi codes, CP codes, and chameleon codes may or may not be used as matrix codes other than QR codes. In addition, various stack codes other than the matrix code may or may not be used.

In addition, the code generation processing unit 1111 for terminal display, as the code for terminal display, in addition to the two-dimensional code (as a non-limiting example, QR code) to generate a one-dimensional code (as an example, but not limited to, barcode) You may or may not do so. This is because, depending on the store, reading of a two-dimensional code is not supported, but reading of a one-dimensional code can be supported in some cases.

The settlement processing unit 1113 is provided with a function of performing settlement processing based on information transmitted from the store POS system 40 and information transmitted from the terminal 20 as an example without limitation.

4-2 is a diagram showing an example of information stored in the storage unit 15 of the server 10 in the present embodiment.

In the storage unit 15, by way of example and not limitation, a payment management processing program 151 that is read by the control unit 11 and executed as a payment management processing is stored as a program.

In addition, the storage unit 15 stores, by way of example and not limitation, user registration data 153 , store registration data 155 , a payment management database 157 , and code management data 159 as data.

The user registration data 153 is user registration data of the terminal 20 and the terminal 20 using the payment service, and an example of the data configuration is shown in FIG. 4-3.

The user registration data 153 is an example, not a limitation, and is stored in association with a user name, a terminal phone number, a terminal mail address, an application ID, an authentication password, and other registration information.

The user name is the name of the user of the terminal 20 who uses the payment service, and the name registered when the user of the terminal 20 uses the payment service is stored.

The terminal phone number is the phone number of the user terminal 20 of this user name, and the phone number of the terminal 20 registered when the terminal 20 user uses the payment application is stored.

The terminal mail address is the mail address of the user terminal 20 of this user name, and the mail address of the terminal 20 registered when the terminal 20 user uses the payment application is stored.

A terminal phone number and terminal mail address are examples of identification information for identifying the terminal 20 (hereinafter referred to as "terminal identification information").

The application ID is an account (account information) of the payment application, and is an ID that enables the terminal 20 or the terminal 20 user to be identified. This application ID is not limited, but a unique ID is set and stored by the server 10 as an example.

The authentication password is an authentication password that requests input from the user when authentication processing for payment (hereinafter, simply referred to as "authentication processing") is performed in the user terminal 20 of this user name, and the password set by the user is stored.

In addition, the authentication processing for payment does not necessarily have to be executed, and it is possible not to execute it. In this case, it is not necessary to store the authentication password in the registration data 153 .

Other registration information is other registration information of the user of this user name, and includes, by way of example and not limitation, a user icon image or a user's profile, which is image data of an icon used by a user in a payment application.

The store registration data 155 is registration data of a store that is affiliated with a business operator (a business operator of the server 10 ) that provides a payment application. A data configuration example of the store registration data 155A, which is an example of the store registration data 155, is shown in FIG. 4-4.

In the store registration data 155A, the type of business, store name, store location information, store POS system information, and store ID are correlated and stored as store information by way of example and not limitation.

The industry of the store is stored in the industry. This industry includes, by way of example and not limitation, various types of industries such as "convenience store", "supermarket", "pharmacy", "pub", "department store", "restaurant", "bookstore", "watch store" .

In the store name, the store name of the store included in (belonging to) the industry is stored for each industry.

In the store location information, location information (hereinafter, referred to as “store location information”) of the location of the store with this store name is stored. This store location information may indicate the location of a store in two-dimensional or three-dimensional coordinates, or may indicate the location of a store in longitude and latitude (latitude, longitude, and altitude in some cases).

The store POS system information stores information about the store POS system 40 used in the store. This store POS system information includes information necessary for the server 10 to communicate with the store code reader device 50 or the store server 70 by way of example and not limitation.

The store POS system 40 obtains in advance a software package for a payment application provided (distributed) from the server 10 as an example, but not limitation, in order to process in connection with the server 10 in advance, and a store code reader device (50) or stored in the store server 70, this software package can be called and used from a program for processing payment in the store. An application programming interface (API) is an example, and the store code reader device 50 transmits information to the server 10 by activating the API, for example, and realizes information reception from the server 10 .

In addition, the server 10 is an example, and not limited to, information such as the type of business, store name, store location information, store POS system information, etc. of the store, from the store server 70 of the store, store registration data ( 155) can be saved.

The store ID is an ID functioning as identification information for identifying the store of this store name. This store ID is not limited, but a unique ID is set for each store by the server 10 and is stored as an example.

A store ID is an example of store identification information.

The payment management database 157 is a database in which data for managing information about payment of each terminal 20 user is stored in a stack type, and an example of the configuration of the payment management database 157A as an example is shown in FIGS. indicates.

The payment management database 157A stores payment management data generated for each terminal 20 or each user of the terminal 20 .

In each payment management data, by way of example and not limitation, application ID, balance, points, daily limit setting amount, automatic recharging setting, and payment history data are stored.

The application ID stored in the user registration data 153 is stored in the application ID.

The balance stores the balance associated with the application ID.

Points are stored in points that can be accumulated at merchants affiliated with various services related to payment applications or payment application providers. Points are, by way of non-limiting example, a value equivalent to 1 yen per point, and can be exchanged for gift certificates or merchandise, and also can be converted into cash in a payment application and used for settlement.

In the daily limit set amount, the upper limit amount per day of the amount available for payment by the terminal 20 or the terminal 20 user possessing this application ID is stored.

The automatic recharging setting is a setting whether to automatically replenish (automatic replenishment) electronic money when the remaining balance (eg, "500 yen") or "0 yen" becomes "0 yen", by the user of the terminal 20 When automatic charging is set, “ON” is stored, otherwise “OFF” is stored. The automatic recharging may be made from a bank account registered by the user of the terminal 20 by way of example and not limitation.

The payment history data is data related to the user's payment history of this application ID, and by way of example and not limitation, for this application ID, the payment date and time, which is the date and time when the payment was made by the server 10, and the ID of the store where the payment was made The in-store ID, the payment store name, which is the store name of the store ID, and the payment amount, which is the amount paid, are associated and stored in time series.

In addition, it is not necessary to store all of the above information in the payment management data. By way of example and not limitation, some or all of points, daily limit setting amount, and automatic recharging setting may not be stored in the payment management data.

In addition, each time payment is made, payment history information may be transmitted to the terminal 20 to be stored in the terminal 20 , so that the server 10 may not store the payment history data.

The code management data 159 is data for managing a code (in this embodiment, a code for terminal display), and is an example, not a limitation, and is identified from the application ID stored in the user registration data 153 and the application ID. The data associated with the original information (eg, payment number) of the terminal display code image generated for the terminal 20 or terminal 20 user is stored.

Further, instead of and in addition to the application ID, terminal identification information such as a terminal phone number stored in the user registration data 153 may be stored in the code management data 159 or may not be stored.

(2) Functional configuration of the terminal

4-6 are diagrams showing an example of a function realized by the control unit 21 of the terminal 20 in the present embodiment.

The terminal 20 includes a payment application processing unit 211 as a function realized by the control unit 21 .

The payment application processing unit 211 has a function of executing payment application processing for payment-related processing based on the payment application software 281 stored in the storage unit 28 .

The payment application processing unit 211 functions as an example, and not by way of limitation, a generation processing unit 2111 for extended terminal display that executes code generation processing for extended terminal display, and a code display processing unit 2113 that executes code display processing. included as a part.

In the present embodiment, the payment-related processing is an example, not a limitation, and a processing for obtaining a terminal display code from the server 10 (a processing for requesting the server 10 to generate a terminal display code or a generated terminal) Including processing for receiving display code from server 10), processing for stocking terminal display code obtained from server 10, processing for displaying stocked terminal display code image, stocking terminal display code A process for generating a code image for extended terminal display (code generation process for extended terminal display) based on It is a concept including the overall processing executed by the terminal 20 as processing related to a certain type of processing after payment, such as processing to be acquired, and more specifically processing related to processing after payment is made.

4-7 are diagrams showing an example of information stored in the storage unit 28 of the terminal 20 in the present embodiment.

The storage unit 28 stores the payment application software 281 as application software acquired by downloading from the server 10 in advance, for example, and not by way of limitation.

The payment application software 281 includes, by way of example and not limitation, a payment application program 282 and payment application data 283 .

The payment application data 283 stores various data used in the payment application software. In this payment application data 283, the code stock data 2831 for terminal display, the data 2832 for payment, and the store data 2833 are stored by way of example rather than limitation.

In the code stock data 2831 for terminal display, data of the terminal display code acquired from the server 10 in an online state is stored.

The payment data 2832 is data for payment stored in the terminal 20, and the configuration of the payment data 2832A as an example thereof is shown in FIGS. 4-8 .

In the payment data 2832A, by way of example and not limitation, application ID, points, balance, daily limit setting amount, automatic charging setting, and payment history data are stored.

The control unit 21, based on the payment completion notification for the terminal received from the server 10 after returning to the online state, by way of example and not limitation, the payment date and time, which is the date and time paid by the server 10, and the server Store ID, which is the ID of the store paid by (10), the name of the payment store that is the name of the store of the store ID, and the payment amount, which is the amount paid by the server 10, are stored in time series in the payment history data .

The store data 2833 stores various kinds of store information stored in the store registration data 155A of the server 10 by way of example and not limitation.

The store data 2833 may be, by way of example and not limitation, the latest store information transmitted from the server 10 to the terminal 20 at the update timing of the payment application software 281 to be updated.

In addition, in the storage unit 28, the terminal data 289 is stored by way of example and not limitation.

The terminal data 289 is data related to the terminal 20, and includes, by way of non-limiting example, terminal identification information such as a terminal phone number and terminal mail address, various setting information on the terminal 20 side, and the like.

<Example of display screen>

4-9 are diagrams illustrating an example of a main screen of a payment application displayed on the display unit 24 of the terminal 20 in the present embodiment.

The structure of this main screen is the same as that of FIG. 3-2, and the state in which the "code icon" was touched by the user of the terminal 20 is displayed here.

4-10 are diagrams showing an example of a code display screen displayed on the display unit 24 of the terminal 20 in the present embodiment. This code display screen is an example, not a limitation, and is displayed by touching a "code icon" as shown in FIGS. 4-9 in an offline state.

In this code display screen, the code image of the first extended terminal display code, which is the extended terminal display code in this embodiment, is a one-dimensional first extended terminal display code image displayed as a barcode and 2 displayed as a QR code. The code image QC1 for the first extended terminal display of the dimension is respectively displayed in different areas in the display screen. In addition, a payment number displayed in 12 digits is displayed under the code image for displaying the first extended terminal in one dimension.

The first extended terminal display code image (not limiting, but an example of a first code image based on first information and visual information) is received from the server 10 and stocked on the terminal 20 code image for terminal display The original information stored in (in this example, the payment number) and time information (in this example, timestamp information) generated on the terminal 20 side are encoded code images.

Here, the timestamp information is information indicating the date, time, date, time, etc. of the occurrence of a specific event (specific event), and at which time information or data (here, the code for the first extended terminal display) associated with the timestamp information is displayed. It serves as an electronic visual certificate to prove that it has certainly existed.

In this example, "the first extended terminal display code image is displayed on the display unit 24 of the terminal 20" is a specific event, and the control unit 21 of the terminal 20 controls the first extended terminal display Timestamp information including the time at which the code image was displayed (display started) (hereinafter referred to as "code display time") is generated. Code display time and timestamp information are examples of "time information", and are generated based on information timed by the clock unit 29A of the terminal 20 .

According to the code display time, a time limit for making a payment using the code image for the first extended terminal display (hereinafter, referred to as "the first code usage period") is determined. In this embodiment, by way of example and not limitation, "the date and time when the first specified time (eg, "5 minutes") has elapsed from the code display time (code display date and time)" is set as the first code use period. The first prescribed time can be appropriately set.

The first code usage period is a time limit based on the code display time (code display date and time) on the terminal 20 side, and since it is a time limit for displaying the extended terminal display code on the terminal 20, "first code display time limit" ' can also be expressed.

In addition, the 1st prescribed time can also be expressed as "the 1st code display time".

In addition, the code use period and code display period may or may not be set in place of or in addition to the code use period or code display period. For example, when the code image for extended terminal display is read in the store code reader device 50 or the like within the code usage period or code display period, payment is made possible, and the code usage period or code display period is extended after elapse When the terminal display code is read by the store code reader device 50 or the like, payment is made impossible.

In addition, the code expiration date (code display deadline) may or may not be used in the meaning of "period".

For example, the first code usage period described above may be defined as "the period from the code display time (code display date and time) until the first stipulated time elapses" as an example rather than limiting. no need to

In the case of offline payment, the user of the terminal 20 presents the code display screen of FIGS. 4-10 to the store staff as the code register 60 until the first code expiration date, and the code image for the first extended terminal display is read by the store code reader device 50, and payment is made. In this case, the store code reader device 50 transmits payment request information including information acquired by decoding from the read first extended terminal display code image (in this example, payment number and timestamp information) to the server 10 . to the server 10 to make the payment.

4-11 are diagrams illustrating an example of a payment result screen displayed on the display unit 24 based on the terminal payment completion notification received from the server 10 after returning from the offline state to the online state.

This payment result screen includes a message “You can check details from “Payment history” along with the text “Payment completed” in the center of the screen of the code display screen of FIG. 4-10, and “Confirmation” for confirming the payment details. icon” is displayed in a pop-up format.

In the example of the display screen above, the user's convenience is improved because the terminal 20 can display the code display screen by touching the code icon, for example, without being conscious of whether the user is in an online state/offline state. can be improved

<Processing>

4-12 is a flowchart showing an example of a processing flow executed by each apparatus in the present embodiment. In order from the left, the first payment application processing, which is an example of the payment application processing executed by the control unit 21 of the terminal 20, is an example of the in-store payment processing executed by the control unit 51 of the store code reader device 50 The 1st settlement management process which is an example of a 1st store settlement process and the settlement management process which the control part 11 of the server 10 performs is shown, respectively.

The flowchart of FIGS. 4-12 is a partially modified flow chart of FIGS. 3-4 . The flowchart of FIGS. 3-4 is an example and not a limitation, and processing steps (eg, A350, B350, B360) in an offline state are different.

In this process, the identification information for identifying the terminal 20 or the terminal 20 user is made into the above-mentioned application ID, for example.

In A240 , the control unit 21 stores the terminal display code in the terminal display code stock data 2831 of the storage unit 28 .

In the offline state, by way of example and not limitation, when a code display operation is performed by the user of the terminal 20 , the code generation processing unit 2111 for extended terminal display performs code generation processing (X) for extended terminal display and at the same time , the code display processing unit 2113 performs code display processing (X) (A350).

The code generation process for extended terminal display (X) is an example and not a limitation, and generates the above-mentioned 1st code image for extended terminal display. Specifically, the number for payment obtained by decoding from the code image for terminal display stocked in the code stock data 2831 for terminal display, and timestamp information generated by the control unit 21 are encoded (encoded), and a figure A code image for displaying the first extended terminal is generated by imaging (imaging).

Note that, depending on the store, reading of a two-dimensional code is not supported, but reading of a one-dimensional code can be supported in some cases. There, the code generation processing unit 1111 for terminal display, in addition to the two-dimensional code (as a non-limiting example, a QR code), is displayed as a one-dimensional code (as a non-limiting example, a barcode), the first extended terminal You may or may not want to generate code images for display.

Further, instead of the code display time, timestamp information including "code display date and time" including date information in addition to the time may be generated, or it may not be so.

Further, in order to prevent a third party from deciphering the original information, the information obtained by encrypting the payment number or timestamp information may be encoded, or it may not be so.

In addition, instead of encoding the timestamp information, the code display time or code display date and time itself may be encoded, or it may not be so.

In the code display processing (X), the display unit 24 displays a code display screen including at least the first extended terminal display code image by way of example and not limitation.

In addition, as described above, when the code image for the first two-dimensional extended terminal display is generated in the code generation process for extended terminal display (X), it is an example, not a limitation, for the first two-dimensional extended terminal display Code images can be displayed.

In addition, when the code image for one-dimensional first extended terminal display is also generated in the code generation process for extended terminal display (X), it is an example and not a limitation, In addition to the two-dimensional 1st code image for extended terminal display, , it is possible to display a code image for displaying the first extended terminal in one dimension. In this case, the payment number may or may not be displayed in the vicinity of the one-dimensional first code image for extended terminal display.

After that, when the code image for displaying the first extended terminal displayed on the display unit 24 is presented by the user of the terminal 20 to an employee of the store, the control unit 51 controls the number displayed on the display unit 24 of the terminal 20 . 1 Control is performed so that the code image for extended terminal display is read by the code reader 58 (B350).

The control unit 51 accesses the server 10 by way of the communication I/F 54 . Then, the control unit 51 transmits at least the payment request information including the number and timestamp information for payment obtained by decoding, the store identification information, and the payment scheduled amount to the server 10 through the communication I/F 54 . (B360).

When payment request information is received by the communication I/F 14 from the store code reader device 50 (C160), the control unit 11 performs payment processing (C370).

Specifically, it is determined whether or not the payment number included in the received payment request information is stored in the code management data 159 in association with the application ID. In addition, the time difference between the current time (time at the time of payment) clocked by the clock unit 19 of the server 10 and the code display time specified from the timestamp information included in the received payment request information is 1 It is determined whether or not it is less than the specified time (it may be less than, hereinafter, the same). Then, when these conditions are satisfied, it is determined that "settlement is possible", and the settlement plan amount is subtracted from the balance stored in the settlement management data of the application ID in the settlement management database 157A, and settlement is made.

<code>

The above processing assumes that the terminal 20 requests the server 10 to generate a code image for terminal display, and an example in which the terminal display code image generated by the server 10 is transmitted to the terminal 20 Although shown, it is not limited to this. For example, it is assumed that the terminal 20 requests the server 10 to generate original information (in this example, a payment number), and the original information generated by the server 10 is transmitted to the terminal 20 . You may or may not do so.

Specifically, in the process of Fig. 3-1, in A110, the control unit 21 transmits code generation request information for requesting the server 10 to generate the original information. Then, based on the code generation request information, the control unit 11 generates original information in C120 and transmits the original information generated in C130 to the terminal 20 .

In A130, when the original information is received from the server 10, the control unit 21 generates a code image for terminal display based on the received original information. Then, the control unit 21 displays the generated code image for terminal display on the display unit 24 .

Similarly, in the process of Figs. 3-4, when the original information is received from the server 10 at A130, the control unit 21 stores the received original information in the code stock data 2831 for terminal display at A240. Then, the control unit 21 reads the stocked original information from the code stock data 2831 for terminal display, and generates a code image for terminal display based on the read original information. Then, in A250, the control unit 21 displays the generated code image for terminal display on the display unit 24 .

Similarly, in the process of FIG. 4-12, if the original information is received from the server 10 in A130, in A240, the control part 21 stores the received original information in the code stock data 2831 for terminal display. Then, in A350, the control unit 21 reads the stocked original information from the code stock data 2831 for terminal display, and displays the first extended terminal including the read original information and the timestamp information generated by the control unit. Create a code image for

In addition, unlike the above, the terminal 20 requests the server 10 to generate the code image for terminal display, and the code image for terminal display generated by the server 10 is transmitted to the terminal 20, On the terminal 20 side, instead of stocking the code image for terminal display received from the server 10, the original information obtained by decoding from the code image for terminal display received from the server 10 may be stocked, You don't have to do that.

<Effect of the first embodiment>

According to the first embodiment, as a non-limiting example, at the time of offline payment, the server can make the payment based on time information such as code display time. In addition, it is possible to prevent illegal payment by, for example, saving the code image for terminal display displayed on the terminal 20 by a screen shot or the like.

Specifically, in the first embodiment, the terminal 20 transmits the number for payment (or the code image for terminal display including the number for payment) transmitted from the server 10 (not limiting, but an example of the first information) It is received by the communication I/F 22. Then, the terminal 20 stores the received payment number in the storage unit 28 by the control unit 21 . In addition, the terminal 20 is a first extended terminal display code image (not limiting, but an example of a first code image) based on the stored payment number and timestamp information (not limiting, but an example of time information) is displayed in one area (not limited, but an example of the display area) of the code display screen. The timestamp information includes code display time information, and the payment is performed by the server 10 based on the number and timestamp information for payment received by the server 10 based on the display of the code image for the first extended terminal display. Shows the executed configuration.

As an example of the effect obtained by such a configuration, the first information transmitted from the server is stored in the storage unit of the terminal, and a first code image based on the stored first information and time information is displayed in the display area of the terminal. . The visual information includes visual information based on the display in the display area of the first code image, and the payment is executed by the server based on the first information and the visual information received by the server based on the display of the first code image do. For this reason, for example, based on the time information and the first information stored in the storage unit of the terminal in advance, it becomes possible to make the server perform an offline payment, and it is possible to improve the convenience of the terminal user.

Further, the first embodiment shows a configuration in which the first code image for extended terminal display (not limiting, but an example of the first code image) is one code image based on the payment number and timestamp information.

As an example of the effect obtained by such a configuration, by displaying one code image based on the first information and the visual information, one code image displayed on the display area of the terminal can be read only by an external code reader. You can make payment easily.

Further, in the first embodiment, the payment is based on the first extended terminal display code image being read by a code reading device such as a store, the payment number and timestamp information are sent to the server 10, and the payment It represents the configuration executed by the server 10 based on the number and timestamp information.

As an example of the effect obtained by such a configuration, the payment is based on the first code image being read by the code reading device, and the first information and time information are sent to the server, so that the payment is made based on the first information and the time information Since it is executed by the server, based on the first code image displayed on the display area of the terminal, it is possible to simply make the payment to the server.

In addition, in the first embodiment, the terminal 20 reads the payment application program 282 from a memory storing the payment application program 282 (not limiting, but an example of the program), and writes the payment application program 282 to the payment application program 282 . and a processor for executing payment application processing based on the Then, the processor receives the payment number (not limited, but an example of the first information) transmitted from the server 10 through the communication I/F 22 , and stores the received payment number in the storage unit 28 . ) and display the code image (not limiting, but an example of the first code image) for the first extended terminal display based on the payment number and timestamp information (not limiting, but an example of time information) It is displayed in one area of a screen (it is not limited, it is an example of the display area of a terminal). The timestamp information includes code display time information, and the payment is performed by the server 10 based on the number and timestamp information for payment received by the server 10 based on the display of the code image for the first extended terminal display. Shows the executed configuration.

As an example of the effect obtained by such a configuration, it becomes possible to make an offline payment to the server based on, for example, time information and first information stored in the storage unit of the terminal in advance, so that the terminal user's convenience can improve

<First Modification (1)>

In the first embodiment, the terminal 20 generates a code image for the first extended terminal display in which the visual information is encoded, and the generated first extended terminal display code image is read by the store code reader device 50 . , it is assumed that the time information acquired by decoding is transmitted from the store code reader device 50 to the server 10, but the present invention is not limited thereto.

Specifically, the time information may not be encoded into the first extended terminal display code image. In this case, for example, even when communication cannot be performed by the first communication method described above, when communication is possible by the second communication method, the time information is transmitted from the terminal 20 by the second communication method. It is transmitted to the store code reader device (50). Alternatively, if a short-range wireless communication method such as Bluetooth or infrared communication can be used, time information is transmitted from the terminal 20 to the store code reader device 50 by these communication methods. Alternatively, visual information is displayed on the display unit 24 of the terminal 20 separately from the code image, and the terminal 20 user presents the display screen to the store staff, etc. Time information is input into the reader device 50 . In addition, time information may be transmitted from the store code reader device 50 to the server 10 .

<First Modification (2)>

In the first embodiment, "time information" in the present invention is the time (code display time) or date and time (code display date and time) when the code image for terminal display is displayed on the terminal 20, or timestamp information including these but is not limited to this.

First, "time information" in the present invention is not limited to indicating pinpoint timing such as an arbitrary time or date and time, and a time (length of time) represented by a constant time width may be used as "time information", You don't have to do that. In this case, as an example and not limitation, the time (length of time) for which the code image for terminal display is displayed on the terminal 20 may be time information, and the same processing as above may be performed, or it may not be so. good night.

In addition, as an example and not limitation, the time (code generation time) or date and time (code generation date and time) when the terminal 20 generates the code image for terminal display, the terminal display code as internal processing of the terminal 20 is displayed on the display unit The time and date and time when the preparation indicated in (24) was started and the time and date and time when the preparation was completed may be set as "time information", and the same processing as described above may or may not be performed.

<First Modification (3)>

In the first embodiment, the server 10 may or may not perform payment processing based on the code display time and time information at which the code image for terminal display by the store code reader device 50 is read. good night.

In this case, by way of example and not limitation, in the processing of FIGS. 4-12 , the control unit 51 of the store code reader device 50 reads the first extended terminal display code image at B350, at B360, The server 10 is accessed by the communication I/F 54 . Then, the control unit 51 at least the payment number and timestamp information obtained by decoding, and the time at which the store code reader device 50 reads the first extended terminal display code image (hereinafter referred to as "code reading time") ) and payment request information including the store identification information and the expected payment amount is transmitted to the server 10 by the communication I/F 54 .

When payment request information is received by the communication I/F 14 from the store code reader device 50 (C160), the control unit 11 performs payment processing (C370). In this settlement process, the control part 11 performs the following processes as an example without limitation.

(A) First, the time difference between the time difference (current time, time at the time of payment) of the clock unit 19 of the server 10 and the code display time specified from the timestamp information included in the received payment request information is It is determined whether or not it is less than the first prescribed time.

(B) Second, it is determined whether the difference between the code reading time and the code display time included in the received payment request information is equal to or less than a first prescribed time.

And the control part 11 determines with "settlement possible" when both conditions of said (A) and (B) are satisfied as an example and not limitation.

Here, the server 10 determines whether or not settlement is possible based on the reading time (code reading time) of the first extended terminal display code image by the store code reader device 50, but with this It is not limited.

Specifically, as a non-limiting example, the time at which the payment request information was transmitted to the server 10 by the store code reader 50 as "time information based on the reading of the code image by the code reading device" Based on the (settlement request information transmission time), the server 10 may or may not determine whether payment is possible.

In addition, as an example and not a limitation, as "time information based on the reading of the code image by the code reading device", the time (payment request) at which the server 10 received the payment request information from the store code reader device 50 . Based on the information reception time), it may be determined whether payment is possible or not, and it is not necessary to do so.

In addition, as an example and not limitation, as "time information based on the reading of the code image by the code reading device", the time at which the payment request information was recognized from being transmitted from the store code reader device 50 or the received payment Based on the time at which the information included in the request information was identified, the server 10 may determine whether payment is possible or not.

<Effect of the first modification (3)>

In this modification, the payment is time information on the side of the terminal 20 and reading time information of the code image for the first extended terminal display by the store code reader device 50 (but not limited to the first time information by the code reading device) A configuration executed by the server 10 based on an example of time information based on reading of a code image) is shown.

As an example of the effect obtained by such a configuration, it is possible to appropriately make a payment by the server based on the time information and the time information based on the reading of the first code image by the code reading device.

In addition, in the present modification, the payment is time information on the terminal 20 side and the reading time information of the code image for the first extended terminal display by the store code reader device 50 (not limited to, but to the code reading device) A configuration executed by the server 10 is shown when the time information (an example of time information based on reading of the first code image) by the server 10 is within the validity period set in the server 10 .

As an example of the effect obtained by such a configuration, even when an error occurs in the time information and the time information based on the reading of the first code image by the code reading device, for example, payment is made based on the validity period set in the server. It can be done so that the payment is made after it is appropriately determined by the server.

In addition, in this modified example, the server 10 transmits the number for payment (it is not limiting, it is an example of 1st information) to the terminal 20 by the communication I/F 14. As shown in FIG. And, the server 10 has a code image for a first extended terminal display based on the payment number and timestamp information (not limiting, but an example of time information) (not limiting, but an example of the first code image) Communication I/F ( 14) is received by And the server 10 shows the structure which performs settlement based on the code display time specified from the number for payment, timestamp information, and the code reading time by the store code reading device 50. FIG.

As an example of the effect obtained by such a configuration, the server can make a payment without errors based on the first information and the time information and the time information based on the reading of the first code image by the code reading device.

In addition, in the settlement processing described above, the control unit 11 of the server 10 may or may not determine whether or not to perform the settlement as follows.

(a) the time difference between the time time (current time, time at the time of payment) of the clock unit 19 of the server 10 and the code display time specified from the timestamp information included in the received payment request information is the first It is judged whether or not it is within the prescribed time.

(b) it is determined whether the time difference between the time difference (current time, time at the time of payment) of the clock unit 19 of the server 10 and the code reading time included in the received payment request information is equal to or less than the first prescribed time do.

Then, the server 10 determines that "settlement is possible" when the condition of (a) is satisfied, or when the condition (a) does not hold but the condition (b) is satisfied.

In this way, for example, when the prescribed time has elapsed from the time specified by the time information, but the prescribed time has not elapsed from the reading time of the first code image by the code reading device, payment is performed at the server. can make it happen.

<First Modification (4)>

In the code stock data 2831 for terminal display of the storage unit 28 of the terminal 20, one code acquired from the server 10 in an online state may be stored, but obtained from the server 10 in an online state It is also possible to store a plurality of (two or more) codes.

In this way, since a plurality of codes can be stocked in the terminal 20, even when offline payment needs to be executed multiple times, it becomes possible to proceed with the payment immediately, thereby improving the user's convenience. .

<First Modification (5)>

In the first embodiment, although the "first information" of the present invention is a code image for terminal display including a number for payment or a number for payment, the present invention is not limited thereto. For example, a token as a type of authentication information or a code image for terminal display including a token may be referred to as "first information" in the present invention.

In this case, instead of including the payment number in the code image for the extended terminal display, the token issued by using a method (algorithm) for generating a random token may be included in the code image for the extended terminal display, You don't have to do that. In this case, the server 10 may store in the storage unit 15 in association with the identification information for identifying the terminal 20 or the user of the terminal 20 and the issued token.

"Token" is an example, not a limitation, a kind of authentication information for the server 10 to authenticate that the terminal 20 or the terminal 20 user is the regular terminal 20 or the regular terminal 20 user am. "Authentication information" is information issued by a certification authority, and the above token functions as authentication information issued by the server 10 as a certification authority to authenticate the terminal 20 or a user of the terminal 20 .

In addition, the token can be expressed as, for example, a "random token", an "access token", a "payment token", and the like. Since tokens are randomly issued as described above, each time a terminal display code is generated, a different token is obtained. For this reason, the token functions as a so-called one-time password.

In addition, the store code reader device 50 that reads the code image for terminal display in addition to the payment number or token is an example of access information for accessing a web site or web page provided by the server 10, ) may or may not include information such as a URL (Uniform Resource Locator) for accessing a page for payment, which is a type of web page provided by .

<First Modification (6)>

3-4 in the process A130, at the timing when the terminal 20 receives the terminal display code from the server 10, processes A240 and A250 to display the terminal display code on the display unit 24 You may or may not do so.

In addition, in A130 of the process of Fig. 4-12, at the timing when the terminal 20 receives the terminal display code from the server 10, it processes A240 and A350, and displays the first extended terminal display code on the display unit ( 24) may or may not be indicated.

In this case, by way of example and not limitation, when the code icon is touched on the main screen of the payment application (eg, FIG. 3-2 ), the code display screen of the code for terminal display or the code display of the code for the first extended terminal display The display may be switched to a screen (eg, FIGS. 4-10 ).

<First Modification (7)>

The display screen of the payment application described in the first embodiment is merely an example and can be appropriately designed and changed.

4-13 are diagrams illustrating an example of a main screen of a payment application displayed on the display unit 24 of the terminal 20 in this modified example.

On this main screen, a "code (offline) icon" indicated by "code (offline)" is displayed separately from the above-mentioned "code icon".

In this modified example, "code icon" is an icon for displaying a code display screen in an online state, and "code (offline) icon" is an icon for displaying a code display screen in an offline state.

4-14 are diagrams showing an example of a code display screen displayed on the display unit 24 of the terminal 20 in the present modification. This code display screen is displayed by touching the code (offline) icon on the main screen above.

In this code display screen, "code (offline)" is displayed on the upper part of the screen, and information similar to the code display screen of Figs. 4-10 is displayed below it.

In this display screen example, when it is detected that the terminal 20 is offline, the code for extended terminal display is displayed on the code display screen according to the user's operation, and offline payment is performed using the code for extended terminal display. can

<First Modification (8)>

The code display screen described in the first embodiment is merely an example and can be appropriately designed and changed.

For example, there may be a case where it is difficult to encode information of both the first information and the visual information due to restrictions on the amount of information that can be stored in the code image. Accordingly, it is also possible to generate and display two extended terminal display code images in which the information is encoded separately.

4-15 are diagrams showing an example of a code display screen in the present modification.

In this code display screen, as code images for extended terminal display in this modified example, two code images of a two-dimensional second code image QC2 for extended terminal display and a two-dimensional code image QC3 for third extended terminal display are displayed. displayed side by side.

The second extended terminal display code image QC2 is an example, not a limitation, and is received from the server 10 and stored in the terminal display code image stocked in the terminal 20 (in this example, the number for payment) ) is the encoded code image.

The third extended terminal display code image QC3 is an example, not a limitation, and is a code image in which time information (time stamp information in this example) generated on the terminal 20 side is encoded.

In addition, the arrangement|positioning of the code image QC2 for 2nd extended terminal display and the code image QC3 for 3rd extended terminal display in the code display screen of FIG. 4-15 is only an example to the last, and setting can be changed suitably. In addition to arranging in the horizontal direction, it may be arranged in the vertical direction or the oblique direction. Also, the display positions of the two code images may be reversed.

In the present modification, in the code generation processing (X) for extended terminal display of Figs. 4-12, the code generation processing unit 1111 for terminal display generates the second extended terminal display code image and the third extended terminal display code image. create

Specifically, when the code image for terminal display is stocked in the code stock data 2831 for terminal display, let this be the 2nd extended terminal display code image as it is. On the other hand, when the number for payment is stocked in the code stock data 2831 for terminal display, the number for payment is encoded (encoded) and graphically (imaged) to generate a second extended terminal display code image.

Further, based on the information timed by the clock unit 29A, timestamp information including the code display time is generated. Then, the generated timestamp information is encoded (encoded) and graphic (imaged) to generate a third extended terminal display code image.

Note that, depending on the store, reading of a two-dimensional code is not supported, but reading of a one-dimensional code can be supported in some cases. There, the code generation processing unit 1111 for terminal display is a second extended terminal display code that is displayed as a one-dimensional code (eg, a barcode) in addition to a two-dimensional code (as a non-limiting example, a QR code) The image and the code image for the third extended terminal display may be generated or may not be generated.

In the case of offline payment, the user of the terminal 20 presents the code display screen of FIGS. 4-15 to the store staff as the code register 60 until the expiration date of the first code use, and displays the code image for the second extended terminal display and The payment is made by reading the code image for the third extended terminal display by the store code reader device 50 . In this case, the store code reader device 50 reads information obtained by decoding from the second extended terminal display code image (in this example, a payment number), and the read third extended terminal display code image for decoding. The payment request information including the information acquired by (in this example, timestamp information) is transmitted to the server 10 so that the server 10 performs payment.

In addition, the code image for second extended terminal display and the code image for third extended terminal display are not limited to the method of individually reading by the store code reader device 50, but the second extended terminal display code image and the third Based on detecting that the code image for extended terminal display has entered within one frame of the code reader 58, the two code images for extended terminal display may be read together (organized), or it may not be so.

<Effect of the first modification (8)>

In the present modification, the code image for the extended terminal display (not limiting, but an example of the first code image) is displayed in one area (not limiting, but an example of the first area) of the code display screen, the second extended terminal The code image for display (not limiting, but an example of the second code image) for display and the third extended terminal display code image (which is not limiting) displayed in another area (not limiting, but an example of the second area) of the code display screen Rather, it shows a configuration including an example of the third code image).

As an example of the effect obtained by such a configuration, by displaying a second code image based on the first information in the first area and displaying a third code image based on visual information in the second area, For example, even when it is difficult to include the time information in the code image, by having the third code image read by an external reading device, the time information can be sent to the server to make payment.

In addition to the above, as an example and not limiting, based on information displayed by the watch unit 29A of the terminal 20 in an area different from the area where the code image for extended terminal display is displayed, Information such as the remaining time until the expiration date of the first code may be displayed, or it may not be so.

<Second embodiment>

In the first embodiment, an example of a method for realizing offline payment has been described. However, if there is an error between the time clocked by the clock unit 29A of the terminal 20 and the time clocked by the clock unit 19 of the server 10, there is a possibility that the above method cannot be applied as it is. .

Specifically, for example, when the time clocked by the clock unit 29A of the terminal 20 differs from the time clocked by the clock unit 19 of the server 10 due to accumulation of errors, or a user If the time of the terminal 20 is different from the Japanese standard time in a foreign country, there is a possibility that the above method cannot be applied as it is.

In addition to this time error, it is also assumed that a malicious user performs an operation such as returning the time of his/her terminal 20 to the past time and causes the server 10 to make payment illegally. do.

The contents described in the second embodiment are applicable to any of the other respective embodiments or each other modified examples.

In addition, the same code|symbol is attached|subjected to the same component as the component of previous writing, and re-explanation is abbreviate|omitted.

5-1 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in the present embodiment.

In this embodiment, the terminal data 289 includes terminal setting data 2891 . In addition, the time adjustment setting data 2892 is included in the terminal setting data 2891 as an example and not limitation.

The time adjustment setting data 2892 is setting data related to the clock unit 29A of the terminal 20, and is an example, and not limited to, a setting for automatically adjusting the time of the clock unit 29A in the terminal 20 (hereinafter referred to as the setting data). , information (referred to as "time automatic adjustment") whether or not (eg, setting "ON"/"OFF" of automatic time adjustment on the terminal 20 side) is stored.

As a method of automatic time adjustment, a method of using a time synchronization protocol such as NTP, a method of synchronizing time using a satellite positioning system such as GPS, or the like can be applied as an example without limitation.

<Processing>

5-2 is a flowchart showing an example of a processing flow executed by each apparatus in the present embodiment. In order from the left, the second payment application processing, which is an example of the payment application processing executed by the control unit 21 of the terminal 20, is an example of the in-store payment processing executed by the control unit 51 of the store code reader device 50 The 1st settlement management process which is an example of a 1st store settlement process and the settlement management process which the control part 11 of the server 10 performs is shown, respectively.

The flowchart of FIG. 5-2 is an addition of the step A445 to the flowchart of FIGS. 4-12.

After A240, in the offline state, by way of example and not limitation, when a code display operation is made by the user of the terminal 20, the control unit 21 refers to the time adjustment setting data 2892 of the storage unit 28, It is determined whether or not the setting of automatic time adjustment is "ON" (A445). Then, if it is determined that it is "ON" (A445: Yes), the control unit 21 moves the processing to A350.

On the other hand, when it is determined that the automatic time adjustment setting is not set to "ON" (it is set to "OFF") (A445: No), the control unit 21 does not perform the processing after A350, and the second settlement Terminate application processing.

<Effect of the second embodiment>

In the second embodiment, the terminal 20 sets the automatic time adjustment of the watch unit 29A (not limiting, but an example of a setting related to automatic adjustment of the terminal time). The first code image for extended terminal display (not limited, but an example of the first code image) shows the configuration displayed on the display unit 24 when the automatic time adjustment setting is “ON”. .

As an example of the effect obtained by such a configuration, settings related to automatic time adjustment of the terminal can be performed in the terminal. Also, the first code image is displayed in the display area based on the settings related to automatic adjustment. For this reason, for example, when a setting for performing automatic adjustment is made, the first code image is displayed on the terminal to enable payment, but when the setting for performing automatic adjustment is not made, the first code image is displayed on the terminal It becomes possible to disable payment without indicating in . Thereby, even when there is a difference between the time of the terminal and the time of the server, or even when the terminal user makes an illegal payment, it is possible to properly cause the server to make the payment.

<Second Modification (1)>

In the second embodiment, when performing offline payment, the terminal 20 may give a notice (notification) for confirming to the user of the terminal 20 whether or not automatic time adjustment is set to "ON". , you don't have to do that.

5-3 is a diagram showing an example of a function realized by the control unit 21 of the terminal 20 in the present modification.

The payment application processing unit 211 of the control unit 21 functions as an example without limitation, in addition to the code generation processing unit 2111 and the code display processing unit 2113 for extended terminal display, the time automatic adjustment confirmation notification processing unit 2114. included as a part.

The automatic time adjustment confirmation notification processing unit 2114 has a function of notifying the user of the terminal 20 of its own terminal 20 whether or not the setting of the clock unit 29A is set to automatic time adjustment.

In this case, the automatic time adjustment confirmation notification processing unit 2114 checks whether or not the automatic time adjustment setting is set to “ON” before A445 of the processing of FIG. 5-2 as an example, but not limited thereto. A time automatic adjustment confirmation screen including a message for confirmation to the user and the like is displayed on the display unit 24 .

By doing in this way, when performing offline payment, the terminal user can be made to confirm how the setting regarding automatic adjustment of the time of a terminal is made. In this case, the terminal user sets the automatic time adjustment setting to "ON", for example, when the time automatic adjustment setting is "OFF". Thereby, the first code image is displayed on the display unit 24 and read by the code reader device, so that the server 10 can make payment.

<Second Modification (2)>

In addition to the method described in the second embodiment, it is possible to use the following method as an example and not limitation.

5-4 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this modified example.

In the payment application data 283 of the storage unit 28, the reference time data 2834 and the calculation time data 2835 are stored by way of non-limiting example other than the code stock data 2831 for terminal display.

In this modification, the control unit 21 of the terminal 20 requests the server 10 to transmit time information of the server 10 side in an online state as an example, but not limitation, as a function of the payment application. Thus, time information is acquired from the server 10 . Alternatively, time information is automatically transmitted from the server 10 to the terminal 20 at a regular timing (eg, once a day) or at a specific timing (eg, when a payment application is started).

The control unit 21 stores the time information acquired from the server 10 as reference time data 2834 in the payment application data 283 as "reference time information". That is, the reference time information is stored in the payment application. Then, in the payment application (in the background when the payment application is not activated), the control unit 21 counts the time from the time indicated by the reference time information (hereinafter referred to as "reference time"), The time is calculated, and the calculated time data 2835 is stored in the payment application data 283 as the calculated time information.

In this case, the control unit 21 calculates the current time by counting the time from the reference time even if it goes offline. Then, in the code generation processing (X) (A350) for extended terminal display in Figs. 4-12, a first code image for extended terminal display including the latest calculated time information stored in the calculated time data 2835 is generated do.

Here, to calculate the time in the payment application, as described above, there may be cases where a malicious user makes a payment illegally by returning the time of his/her terminal 20 to the past time. However, in such a case, it is because the clock of the OS (Operating System) side of the terminal 20 is easily manipulated. That is, in this modified example, when performing offline payment, processing is performed based on the time information calculated on the basis of the reference time information in the payment application, rather than using the time information on the OS side.

In addition, since it is also assumed that the terminal 20 user is in a foreign country, as an example and not limitation, time information including time zone information may be transmitted from the server 10 to the terminal 20, You don't have to do that.

In addition, although it is assumed here that the current time is calculated based on the reference time information within the payment application, instead of doing so, the time displayed by the clock part 29A is corrected based on the reference time information based on the reference time information, or the clock part The processing for synchronizing the time clocked at 29A with the time clocked by the clock unit 19 of the server 10 may or may not be performed.

In the present modification, the terminal 20 acquires, by the control unit 21 , time information managed by the server 10 (not limited, but an example of information related to the reference time). And the terminal 20 has shown the structure which performs the process regarding an offline payment based on the time information calculated according to the acquired time information.

As an example of the effect obtained by such a configuration, the terminal processes information based on the reference time information acquired by the control unit from the server as time information, so that there is an error between the time of the terminal and the time of the server. Even in cases where the terminal user has performed illegally, the server can appropriately perform the payment.

<Third embodiment>

As described above, the code image for terminal display is an image displayed on the display unit 24 of the terminal 20 . For this reason, for example, a malicious third party has stolen the terminal display code image displayed on the display unit 24 of the other's terminal 20 with a camera, etc., and uses the stolen terminal display code image. There is a risk of fraud (abuse) such as making a payment.

In addition, in online payment, if a short time (for example, "5 minutes") is set as the time (the aforementioned prescribed time) that the terminal display code can be used for payment, the terminal display code can be used only for a short period of time. , for example, it is considered that the possibility that the terminal display code is stolen by a hacker or the like is low.

However, in offline payment, as described above, a terminal display code is obtained from the server 10 in an online state and stocked in the terminal 20, and when payment is to be made in an offline state, the stocked terminal display code It makes it possible to read and use the code. Therefore, since the terminal display code can be stored in the terminal 20 for a long time, there is a risk that the terminal display code is stolen by a hacker or the like and used for payment illegally.

In addition, depending on the user, the terminal display code image displayed on the user's terminal 20 may be saved by a screen shot or the like. In this case, it is assumed that the user (the first user) has requested the server 10 to update the terminal display code (hereinafter, appropriately referred to as "refresh"). Then, the server 10 deletes the association of the first user with the payment number of the terminal display code.

However, since the number for payment is finite, there is a possibility that an account of another user (second user) and the same number for payment as the above number for payment are associated at a certain timing thereafter. In this case, when the first user makes a payment using the terminal display code image saved by a screen shot or the like, the payment number is already associated with the second user's account, so the payment is made in the second user's account. become In this way, payment made from different accounts based on the code to which the same payment number is set is referred to as &quot;reuse of code&quot;.

The contents described in the third embodiment are applicable to any of the other respective embodiments or each other modified examples.

In addition, the same code|symbol is attached|subjected about the same component as the component of previous writing, and re-explanation is abbreviate|omitted.

6-1 is a diagram illustrating an example of a main screen of a payment application displayed on the display unit 24 of the terminal 20 in this embodiment.

The structure of this main screen is the same as that of FIG. 3-2, and the state in which the "code icon" was touched by the user of the terminal 20 is displayed here.

6-2 is a diagram showing an example of a code display screen displayed on the display unit 24 of the terminal 20 in the present embodiment.

On this code display screen, as a code image for extended terminal display in this embodiment, a one-dimensional fourth extended terminal display code image displayed as a barcode and a two-dimensional fourth extended terminal display code image displayed as a QR code Image QC4 is displayed in different areas within the display screen, respectively. In addition, a payment number displayed in 12 digits is displayed under the code image for displaying the fourth extended terminal in one dimension.

The fourth extended terminal display code image (not limiting, but an example of the first code image based on the first information and the second information different from the first information) is received from the server 10 and sent to the terminal 20 . The original information (in this example, a payment number) stored in the stocked terminal display code image and identification information for identifying the terminal 20 or the terminal 20 user (in this example, an application ID) is an encoded code image.

The identification information for identifying the terminal 20 or the terminal 20 user is an example of the second information different from the first information.

In this embodiment, the fourth extended terminal display code image is acquired from the server 10 in an online state and stocked in the storage unit 28 based on the payment number and the application ID stored in the storage unit 28 , is generated by the code generation processing unit 2111 for extended terminal display of the control unit 21 .

In the case of offline payment, the user of the terminal 20 presents the code display screen of FIG. 6-2 to the store employee as the code register 60, and the code image for displaying the fourth extended terminal in the store code reader device 50 Payment is made by reading In this case, the store code reader device 50 transmits payment request information including information (in this example, a payment number and an application ID) obtained by decoding from the read code image for the fourth extended terminal display to the server 10 . transmit so that the server 10 performs payment.

In addition, as described in the first embodiment and the like, if the code usage period (code display deadline) is to be determined, time information needs to be included in the code image for extended terminal display. In this case, as an example and not limitation, when the terminal 20 generates a code image for displaying the fourth extended terminal that encodes time information (time stamp information, code display time, etc.) in addition to the payment number and application ID good night.

6-3 is a flowchart showing an example of a processing flow executed by each apparatus in the present embodiment. In order from the left, the third payment application processing, which is an example of the payment application processing executed by the control unit 21 of the terminal 20, is an example of the store payment processing executed by the control unit 51 of the store code reader device 50 The 1st settlement management process which is an example of a 1st store settlement process and the settlement management process which the control part 11 of the server 10 performs is shown, respectively.

The flowchart of FIG. 6-3 shows the step of A350 as A550, the step of B350 as B550, the step of B360 as B560, the step of C120 as C520, and the step of C160 as C560 in the flowchart of FIG. 4-12. , and the steps of C370 are described respectively as C570.

After C110, the control unit 11 performs a terminal display code generation process (C520). Specifically, the control unit 11 generates, by way of example, not limitation, a code image for terminal display including at least a payment number as original information. More specifically, at least the number for payment is encoded (encoded) and graphically (imaged) to generate a code image for terminal display represented by an image of a two-dimensional code (eg, QR code). In addition, the control unit 11 associates the generated payment number with the identification information (eg, application ID) for identifying the terminal 20 or the terminal 20 user included in the received code generation request information, and stores ( 15) is saved.

After A240, in the offline state, as an example and not limitation, when a code display operation is performed by the user of the terminal 20, the code generation processing unit 2111 for the extended terminal display performs the code generation processing for the extended terminal display (Y). At the same time, the code display processing unit 2113 performs code display processing (Y) (A550).

In the extended terminal display code generation processing (Y), as an example, and not by way of limitation, based on information acquired by decoding from a terminal display code image stored (stocked) in the terminal display code stock data 2831 Thus, a code image for displaying a fourth extended terminal including a payment number and an application ID is generated. In this case, as described above, time information (time stamp information, code display time, etc.) may also be included.

In addition, the identification information for identifying the terminal 20 or the terminal 20 user is not limited to the application ID, but is not limited to, as an example, and terminal identification information for identifying the own terminal 20 (eg, terminal ID) or user identification information (eg, user ID) for identifying the user of the terminal 20 of the user, or may not be so.

Further, in order to prevent a third party from deciphering the information stored in the code image for display on the fourth extended terminal, information obtained by encrypting the payment number or identification information may be encoded, or it may not be so.

In addition, in the code display process Y, the code display screen which displayed the number for payment and the code image for 4th extended terminal display in respectively different areas is made to display on the display part 24 as an example and not limitation.

In addition, when the code image for a two-dimensional 4th extended terminal display is generated in the code generation process for extended terminal display (Y), it is a non-limiting example, so that a two-dimensional code image for extended terminal display is displayed. can do.

In addition, when the code for a one-dimensional fourth extended terminal display is also generated in the code generation process for extended terminal display (Y), as an example and not a limitation, in addition to the two-dimensional code image for the fourth extended terminal display, It is possible to display a code image for displaying a one-dimensional fourth extended terminal.

After that, when the code image for displaying the fourth extended terminal displayed on the display unit 24 is presented by the user of the terminal 20 to a store employee or the like, the control unit 51 controls the first displayed on the display unit 24 of the terminal 20 . 4 Control is performed so that the code image for extended terminal display is read by the code reader 58 (B550).

Thereafter, the control unit 51 accesses the server 10 by way of the communication I/F 54 . Then, the control unit 51 transmits at least the payment request information including the payment number and application ID obtained by decoding, the store identification information, and the payment scheduled amount to the server 10 by the communication I/F 54 ( B560).

When payment request information is received from the store code reader device 50 through the communication I/F 14 (C560), the control unit 11 performs a payment process (C570).

Specifically, it is determined whether or not the payment number included in the received payment request information is stored in the code management data 159 in association with the application ID. And, when it is determined that it is stored, it is determined whether the combination of the payment number and application ID that can be associated with it matches the combination of the payment number and application ID included in the received payment request information. Then, if they match, it is determined that "payment is possible", and the payment is made by subtracting the scheduled payment amount from the balance stored in the payment management data of the application ID.

In the above payment processing, when the stored combination of the payment number and application ID matches the combination of the payment number and application ID included in the received payment request information, it is determined that "settlement is possible" Instead, when the stored application ID and the application ID included in the received payment request information match, it may be determined that "payment is possible", or it is not necessary to do so.

<Effect of the third embodiment>

According to the third embodiment, for example, due to the fact that the terminal display code is stored in the terminal 20 for a long time, the terminal display code is stolen by a hacker or the like and is illegally used for payment, or the code is It can be prevented from being reused.

Specifically, in the third embodiment, the terminal 20 receives the payment number (not limiting, but an example of the first information) transmitted from the server 10 by the communication I/F 22 . And, the terminal 20 stores at least the number for payment received by the control unit 21 in the storage unit (28). In addition, the terminal 20 has a code image for displaying a fourth extended terminal based on the received payment number and application ID (not limiting, but an example of second information different from the first information) (not limiting, An example of the first code image) is displayed in one area (not limited to, but an example of a display area) of the code display screen. And, the payment represents a configuration executed by the server 10 based on the payment number and the application ID received by the server 10 based on the code image for displaying the fourth extended terminal.

As an example of the effect obtained by such a configuration, the first information transmitted from the server is stored in the storage unit of the terminal, and the first code image based on the first information and the second information different from the first information is stored in the terminal. displayed in the display area of And, the payment is executed by the server based on the first information and the second information received by the server based on the display of the first code image. For this reason, for example, based on the second information and the first information stored in the storage unit of the terminal in advance, the server can make the offline payment, and the convenience of the terminal user can be improved.

Further, the third embodiment shows a configuration in which the code image for the fourth extended terminal display (not limiting, but an example of the first code image) is one code image based on the payment number and the application ID.

As an example of the effect obtained by such a configuration, by displaying one code image based on the first information and the second information, only one code image displayed on the display area of the terminal is read by an external code reader. You can pay easily.

Further, in the third embodiment, the payment is based on the fourth extended terminal display code image being read by a code reading device such as a store, the payment number and application ID are sent to the server 10, and the payment number A configuration executed by the server 10 based on the and application ID is shown.

As an example of the effect obtained by such a configuration, the payment is based on the first code image being read by the code reading device, and the first information and the second information are sent to the server, whereby the first information and the second information are Since it is executed in the server based on the basis of the first code image displayed on the display area of the terminal, it is possible to simply make the payment to the server.

In addition, in the third embodiment, the payment is stored in the storage unit 15 of the server 10 and the application ID (not limited, but an example of the second information) received from the server 10, the number for payment and The configuration executed by the server 10 based on the associated application ID (an example of the third information as a non-limiting example) is shown.

As an example of the effect obtained by such a configuration, based on the second information and the third information stored in the server and associated with the first information, the server can easily and appropriately make payment.

In addition, in the third embodiment, the payment is stored in the storage unit 15 of the server 10 and the application ID (not limited, but an example of the second information) received from the server 10 and related to the number for payment The configuration executed by the server 10 is shown when the created application IDs (as a non-limiting example, an example of the third information) match.

As an example of the effect obtained by such a configuration, when the second information and the third information match, the payment is performed by the server, so that the payment can be made to the server without error.

In the third embodiment, the identification information for identifying the terminal 20 or the terminal 20 user is an application ID, a terminal ID, and a user ID.

As an example of the effect obtained by such a configuration, by using the identification information for identifying the terminal or the terminal user as the second information, the server can confirm whether the terminal or terminal user scheduled for payment is a legitimate terminal or a legitimate terminal user. can

Further, in the third embodiment, the terminal 20 reads the payment application program 282 from a memory storing the payment application program 282 (not limited, but an example of the program), and writes the payment application program 282 to the payment application program 282 . and a processor for executing payment application processing based on the Then, the processor receives the payment number (not limited, but an example of the first information) transmitted from the server 10 by the communication I/F 22 , and stores the received payment number in the storage unit 28 . ), and based on the payment number and application ID (not limiting, but an example of second information different from the first information), the fourth extended terminal display code image (not limiting, but the first code image) ) is displayed in one area (not limited, but an example of the display area of the terminal) of the code display screen. And the payment has shown the structure performed by the server 10 based on the number for payment and the application ID which the server 10 receives based on display of the code image for 4th extended terminal display.

As an example of the effect obtained by such a configuration, for example, based on the second information and the first information stored in the storage unit of the terminal in advance, the server makes it possible to make an offline payment, so that the terminal user can improve the convenience of

Further, in the third embodiment, the server 10 transmits a payment number (not limiting, but an example of the first information) to the terminal 20 by way of the communication I/F 22 . In addition, the server 10 is a payment number and application ID (not limited, but different from the first information) displayed in one area (not limiting, but an example of a display area) of the code display screen of the terminal 20 Based on the reading by the store code reader device 50 of the fourth extended terminal display code image (not limited to, but an example of the first code image) based on the second information), the store code reader device The communication I/F 14 receives the payment number and application ID based on the first code image, transmitted from 50 . And, the server 10 is stored as the payment number, application ID, and code management data 159, and the application ID associated with the payment number (not limited, is stored in the storage unit of the server, the first information and A configuration in which payment is performed based on the associated example of the third information) is shown.

As an example of the effect obtained by such a configuration, the server can make the payment without error based on the first information and the second information and the third information stored in the storage unit of the server and associated with the first information.

<Third Modification (1)>

In the third embodiment, the "second information" in the present invention is terminal identification information (eg, terminal ID) for identifying the terminal 20 or user identification information for identifying the user of the terminal 20 (eg, user ID), account information of a payment application (eg, application ID), etc., but is not limited thereto. For example, a number different from the above-mentioned payment number (first information) and a randomly generated number (hereinafter referred to as "special number"), or a token different from the above-mentioned token (hereinafter referred to as "special token") ) is issued on the terminal 20 side, and these information may or may not be referred to as "second information".

In this case, by way of example and not limitation, when the code generation request information is transmitted from the terminal 20 to the server 10 in an online state, the special number or special token is transmitted to the server 10 . Then, in the terminal display code generation process, the server 10 may store the special number or special token received from the terminal 20 in association with the payment number. Alternatively, in addition to the application ID and the payment number, the special number or special token received from the terminal 20 may be associated and stored.

In addition, as an example, and not a limitation, the above-mentioned special number or special token may be issued from the server 10 side and transmitted to the terminal 20, or it may not be so. In this case, the server 10 may associate and store the issued special number or special token with the payment number in the terminal display code generation process. Alternatively, in addition to the application ID and payment number, the issued special number or special token may be associated and stored.

In this case, the server 10 may or may not generate a code image for terminal display in which the special number or special token is encoded and transmit it to the terminal 20 .

In addition, the special number or special token is not included in the code image for terminal display, and the server 10 transmits the special number or special token to the terminal 20 separately from the code for terminal display in which the number for payment is encoded. You may or may not do so.

Here, the special number needs to be different from the payment number. Therefore, the special number is an example without limitation, and it can be set as the number with few digits than the number for settlement. For example, when the number for payment is 10 to 12 digits, the special number may be a number less than 10 digits (eg, 6 to 9 digits) as an example and not limitation.

In addition, as described above, the token may be included in the code for terminal display or the code for extended terminal display instead of the payment number. In this case, it is necessary to make the token included in the code for terminal display or the code for extended terminal display and the special token different from each other.

<Effect of Third Modification (1)>

This modification shows a configuration in which a special number or special token (not limiting, but an example of second information) is generated by the terminal 20 and transmitted to the server 10 .

As an example of the effect obtained by such a configuration, the terminal can make payment to the server based on the generated second information.

In addition, in this modified example, the structure in which a special number and a special token (it is not limited, it is an example of 2nd information) is sent from the server 10 to the terminal 20 is shown.

As an example of the effect obtained by such a configuration, the terminal can easily obtain the second information from the server.

In addition, in this modification, the special number (not limiting, an example of the second information) is code information of a number different from the number for payment (not limiting, but an example of code information different from the first information), A special token (not limiting, but an example of the second information) has a configuration of code information different from the token (not limiting, but an example of code information different from the second information).

As an example of the effect obtained by such a configuration, by using code information different from the first information as the second information, it is possible to make payment to the server without error.

<Third Modification (2)>

In addition to the method described in the third embodiment, the following method may be used.

Specifically, the terminal 20 transmits code generation request information to the server at regular timing (eg, once every 3 hours, once every 6 hours, once every 12 hours, once a day) when in an online state. (10) to receive the terminal display code from the server (10). Then, from the received code for terminal display, the code for terminal display stored in the code stock data 2831 for terminal display is updated (refreshed).

It is also possible to obtain a terminal display code from the server 10 to perform refresh at a specific timing. Specifically, as an example, not limitation, when the elapsed time since the last payment application was executed in the terminal 20 exceeds the set time, the terminal 20 automatically from the server 10 from the terminal The display code is acquired and refresh is performed.

In addition, an operation image such as a refresh button or a refresh icon is displayed on the display screen of the payment application, and the terminal 20 user manipulates these operation images, so that the terminal display from the server 10 at any time when online It may be possible to obtain and refresh the code. In this case, for example, when the user of the terminal 20 senses danger, it is possible to perform refreshing by manipulating the image for operation.

<Third Modification (3)>

The time information described in the first embodiment and the first modified example may or may not be included in the second extended terminal display code together with identification information such as an application ID. In this case, the contents described in the first embodiment and the contents described in the first modified examples (1) to (5) are respectively applicable.

<Third Modification (4)>

The code display screen described in the third embodiment is merely an example and can be appropriately designed and changed.

For example, there may be cases in which it is difficult to encode information of both the first information and the second information due to restrictions on the amount of information that can be stored in the code image. Accordingly, it is also possible to generate and display two extended terminal display code images in which the information is separately encoded.

6-4 is a diagram showing an example of a code display screen in the present modification.

In this code display screen, two code images of a two-dimensional code image QC5 for a fifth extended terminal display and a code image QC6 for a two-dimensional sixth extended terminal display are displayed side by side as a code image for extended terminal display. .

The fifth extended terminal display code image QC5 is an example, not a limitation, and is received from the server 10 and stored in the terminal display code image stocked in the terminal 20 (in this example, the number for payment) ) is the encoded code image.

The code image QC6 for the sixth extended terminal display is an example, not a limitation, and is a code image in which identification information (in this example, an application ID) for identifying the terminal 20 or the terminal 20 user is encoded.

In addition, arrangement|positioning of the code image QC5 for 5th extended terminal display and the code image QC6 for 6th extended terminal display in the code display screen of FIG. 6-4 is only an example to the last, and a setting change is possible as appropriate. In addition to arranging in the horizontal direction, it may be arranged in the vertical direction or the oblique direction. Also, the display positions of the two code images may be reversed.

In this modified example, in the code generation processing (Y) for extended terminal display of FIG. 6-3, the code generation processing unit 1111 for terminal display generates a fifth extended terminal display code image and a sixth extended terminal display code image. create

Specifically, when the code image for terminal display is stocked in the code stock data 2831 for terminal display, let this be the 5th extended terminal display code image as it is. On the other hand, when the number for payment is stocked in the code stock data 2831 for terminal display, the number for payment is encoded (encoded) and graphically (imaged) to generate a fifth extended terminal display code image.

In addition, the application ID stored in the storage unit 28 is encoded (encoded) and diagrammed (imaged) to generate a code image for a sixth extended terminal display.

Note that, depending on the store, reading of a two-dimensional code is not supported, but reading of a one-dimensional code can be supported in some cases. There, the code generation processing unit 1111 for terminal display is a second extended terminal display code that is displayed as a one-dimensional code (eg, a barcode) in addition to a five-dimensional code (as a non-limiting example, a QR code) The image and the code image for the sixth extended terminal display may be generated or may not be generated.

In the case of offline payment, the user of the terminal 20 presents the code display screen of FIG. 6-4 to the store staff as the code register 60, and the fifth extended terminal display code image and the sixth extended terminal display code Payment is made by reading the image in the store code reader device 50 . In this case, the store code reader device 50 reads information obtained by decoding from the read code image for extended terminal display (in this example, a payment number), and from the read code image for sixth extended terminal display to decoding The payment request information including the information acquired by this (in this example, an application ID) is transmitted to the server 10, and the server 10 makes a payment.

In addition, the 5th extended terminal display code image and the 6th extended terminal display code image are not limited to the method of individually reading by the store code reader device 50, The 5th extended terminal display code image and the 6th Based on the detection that the code image for extended terminal display has entered within one frame of the code reader 58, the two code images for extended terminal display may be read together (collectively), or it may not be so.

<Effect of the third modified example (4)>

In this modification, the code image for extended terminal display (not limiting, but an example of the first code image) is displayed in one area (not limiting, but an example of the first area) of the code display screen, the fifth extended terminal The code image for display (not limiting, but an example of the second code image) for display and the code image for display on the sixth extended terminal displayed in another area (not limiting, but an example of the second area) of the code display screen (which is not limited) Rather, it shows a configuration including an example of the third code image).

As an example of the effect obtained by such a configuration, by displaying a second code image based on the first information in the first area and displaying a third code image based on the second information in the second area, for example , even when it is difficult to include the second information in the code image, by reading the third code image with an external reading device, the second information can be sent to the server for payment.

In addition to the above, as a non-limiting example, the identification information such as the application ID may be displayed in an area different from the area where the code image for extended terminal display is displayed, or it may not be so.

<Fourth embodiment>

The fourth embodiment relates to the contents of storing and stocking the terminal display code transmitted from the server 10 in the storage unit 28 of the terminal 20, according to the establishment of a predetermined condition, supplementing the terminal display code This is an example about

The contents described in the fourth embodiment are applicable to any of the other respective embodiments or each other modified examples.

In addition, the same code|symbol is attached|subjected about the same component as the component of previous writing, and re-explanation is abbreviate|omitted.

7-1 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in the present embodiment.

In this embodiment, the payment application data 283 includes, by way of example and not limitation, code replenishment condition data 2838 .

The code supplement condition data 2838 is data in which conditions (hereinafter referred to as "code supplement conditions") for supplementing the terminal display code are set, and an example of the data structure is shown in FIG. 7-2.

In the code supplemental condition data 2838, by way of example and not limitation, a condition type, a condition No, and a code supplemental condition are stored in association with each other.

The condition type is a type of code supplemental condition, and includes, by way of example and not limitation, "CP1 (Communication)" and "CP2 (Other)".

The condition No is the number of the code supplemental condition included in the condition type.

The code supplemental condition is the content of the code supplemental condition corresponding to the condition No.

Described specifically.

(A) Condition type 「CP1 (Communication)」

For the condition type "CP1 (communication)", the conditions of "CP1-1" to "CP1-3" are defined as examples and not limitation.

"CP1-1" is a condition in which the code replenishment condition is "offline payment and receipt of payment completion notification for terminal". This is when offline payment is made by the server 10, and after the terminal 20 returns from the offline state to the online state, when a terminal payment completion notification is received from the server 10, replenishing the terminal display code condition indicating that That is, based on the completion of the offline payment by the server 10 using the code for terminal display first obtained from the server 10 and stored in the code stock data 2831 for terminal display, first from the server 10 A code for terminal display different from the obtained code for terminal display is acquired.

In this case, as an example and not limitation, the offline payment is performed by the server 10 , and after receiving a terminal payment completion notification from the server 10 , the terminal display is made from the terminal 20 to the server 10 . It is possible to transmit a request requesting a code for use, receive the request, and store the code for terminal display transmitted from the server 10 in the code stock data 2831 for terminal display.

Moreover, even when a terminal payment completion notification is received from the server 10 after returning from an offline state to an online state, the communication situation of the terminal 20 may be unstable. Therefore, after receiving the terminal payment completion notification from the server 10, the terminal display code may be requested from the server 10 and acquired at the timing when the communication "ON" or the timing when the communication condition is stable, so that you don't have to

"CP1-2" is a condition in which the code supplement condition is "starting the payment application and connecting to communication with the server". This is a condition indicating that the terminal display code is supplemented in the case of communication connection with the server 10 after the payment application is started in the terminal 20 .

In this case, as an example, and not by way of limitation, when a payment application is started in the terminal 20 and communication is connected with the server 10, the terminal 20 requests a code for terminal display from the server 10 Send the request. And, the terminal 20 may store the code for terminal display transmitted from the server 10 according to the request in the code stock data 2831 for terminal display.

In addition, in the above, when the payment application is started in the terminal 20 and communication is connected with the server 10, a request for the terminal display code and the latest balance is sent from the terminal 20 to the server 10 send Then, the terminal 20 stores the terminal display code transmitted from the server 10 according to the request in the terminal display code stock data 2831, and, at the same time, the latest transmitted from the server 10 according to the request. Based on the balance, the balance stored in the payment application data 283 of the terminal 20 may or may not be updated.

"CP1-3" is a condition in which the code supplement condition is "change in electromagnetic environment".

In addition, since radio waves are generally used for communication, it may be referred to as &quot;change of radio wave environment&quot;. Moreover, it is good also as "communication environment change". This is a condition indicating that the terminal display code is supplemented when the electromagnetic wave environment of the terminal 20 or the like changes.

By way of example and not limitation, the electromagnetic environment of the terminal 20 is divided into three types: "strong electromagnetic environment", "medium electromagnetic environment", and "weak electromagnetic environment" based on the strength of electromagnetic waves (strength of radio waves). . Here, the intensity of the electromagnetic wave is an example without limitation, and can be expressed by index values such as electric field intensity, magnetic field intensity, and electric power density (electric power flux density). These index values can also be referred to as strength (signal strength, received signal strength) of a signal received by the terminal 20 .

As a non-limiting example, when it is detected that the electromagnetic environment of the terminal 20 changes from the "medium electromagnetic environment" to the "weak electromagnetic environment" based on the strength of the electromagnetic wave, there is a possibility that it will be in an offline state. , it is possible to supplement the code for terminal display. In this case, by way of example and not limitation, when a change in the electromagnetic environment is detected, a request for a terminal display code is transmitted from the terminal 20 to the server 10, and the request is received and the server ( The code for terminal display transmitted from 10) may be stored in the code stock data 2831 for terminal display.

In addition, the determination of the change of the electromagnetic wave environment may be performed, for example, based on the intensity of the electromagnetic wave indicated by the above-mentioned index value, or it may not be so. For example, a threshold intensity corresponding to the weak electric field may be set for the intensity of the electromagnetic wave, and when the intensity of the electromagnetic wave becomes equal to or less than the critical intensity (or less than the critical intensity), it may be determined that the electric field environment has changed. no need to

(B) Condition type 「CP2 (Other)」

For the condition type "CP2 (Other)", the conditions of "CP2-1" to "CP2-3" are defined by way of example and not limitation.

"CP2-1" is a condition in which the code replenishment condition is "reception of push notification and detection of code replenishment operation". The push notification is an example, not a limitation, and a notification for confirming to the user the stock of the terminal display code transmitted from the server 10 at regular timing or the like, or whether the user desires to acquire the terminal display code Indicates a notice to confirm. This is an operation for the terminal 20 to receive a push notification from the server 10, and to replenish the terminal display code to the input unit by the terminal 20 user based on the received push notification (hereinafter referred to as "code replenishment operation"). ') is detected, it is a condition indicating that the terminal display code is supplemented.

"CP2-2" is a condition in which the code replenishment condition is set to "code replenishment operation detection". This is a condition indicating that the code for terminal display is replenished when the code replenishment operation to the input unit by the user of the terminal 20 is detected.

"CP2-3" is a condition in which the code replenishment condition is "detection of balance update operation". This is a condition indicating that the terminal display code is replenished when an operation (hereinafter referred to as "balance update operation") for updating the balance usable for payment using the payment application by the terminal 20 user is detected am.

In the offline state, the terminal 20 cannot communicate with the server 10 . For this reason, when an offline payment is made, the balance managed on the server 10 side is updated, but until it returns to the online state and receives a terminal payment completion notification from the server 10, the terminal 20 The balance stored on the side is not updated. For this reason, the balance displayed on the application screen of the payment application may not be the latest balance.

There, in the condition of "CP2-3", when the terminal 20 detects a balance update operation to the input unit by the user during execution of the payment application, a request for a code for terminal display to the server 10 to send Then, the terminal display code transmitted from the server 10 by receiving the request is stored in the terminal display code stock data 2831.

In addition, the code replenishment condition of "CP2-3" is set to "balance update execution", and based on detection of a balance update operation in the payment application, the terminal 20 communicates with the server 10 to update the balance. In the wake of this, the code for terminal display may be supplemented, or it may not be so.

In addition, as described above, when the terminal 20 returns from the offline state to the online state, a payment completion notification for the terminal is received from the server 10 . In this case, the balance may be updated based on the terminal payment completion notification received by the terminal 20, and the code for terminal display may be supplemented with the execution of this balance update as an opportunity, or it may not be so.

By way of example and not limitation, the control unit 21 of the terminal 20 determines whether at least one of the plurality of code replenishment conditions is satisfied, based on the code replenishment condition data 2838 . And when it is determined that it has succeeded, the request which requests|requires the code for terminal display to the server 10 is transmitted. Then, the terminal display code transmitted from the server 10 by receiving the request is stored in the terminal display code stock data 2831.

Note that the above code supplementation conditions are merely examples, and conditions other than these may be determined.

In addition, as an example and not limitation, a condition in which two or more of the above code supplementation conditions are combined may be defined as the code supplementation condition.

In addition, as an example and not a limitation, it may be set by, for example, having the user of the terminal 20 select which of the above code supplementation conditions to apply.

<Effect of the fourth embodiment>

In the fourth embodiment, the terminal 20 upon completion of the payment by the server 10 based on the payment number (not limiting, but an example of the first information) obtained from the server 10 in advance in an offline state. Based on the above, a payment number different from the above payment number (not limited, but an example of second information different from the first information) is received by the communication I/F 22 . And, the terminal 20 shows a configuration for storing the received payment number in the storage unit (28).

As an example of the effect obtained by such a configuration, the terminal receives and stores second information different from the first information in the storage unit even when the first information is consumed due to the completion of the payment based on the first information. , it becomes possible to make a separate payment based on the stored second information, thereby improving user convenience.

In addition, the fourth embodiment has a configuration in which the terminal 20 receives, through the communication I/F 22, a number for payment that is different from the number for payment above, based on the communication status of the communication I/F 22. is indicating

As an example of the effect obtained by such a configuration, the terminal may receive second information different from the first information through the communication unit, for example, when the communication condition of the communication unit is improved.

Further, in the fourth embodiment, when the terminal 20 communicates with the communication I/F 22, a request for a payment number different from the above-mentioned payment number is sent to the communication I/F 22. A configuration for transmitting to the server 10 is shown.

As an example of the effect obtained by such a configuration, when communication by the communication unit is performed, the terminal transmits information for obtaining the second information to the server through the communication unit, and the second information can be received from the server .

Further, in the fourth embodiment, the terminal 20, based on a balance update operation by the user of the terminal 20 (not limited, but an example of an input related to the update of the balance of electronic money usable for payment), The configuration in which a number for payment different from the number for payment is received by the communication I/F 22 is shown.

As an example of the effect obtained by such a configuration, second information different from the first information is received through the communication unit based on the terminal user's input regarding the update of the balance of electronic money usable for payment, so the terminal It becomes possible to acquire the second information in response to the input by the user, and it is possible to improve the convenience of the user.

<Fourth modification>

In the fourth embodiment, instead of causing the server 10 to transmit a terminal display code to the terminal 20 according to a request from the terminal 20 , without a request from the terminal 20 , the server 10 The terminal display code may or may not be transmitted to the terminal 20 .

In this specification, the server 10 transmits information (or data) to the terminal 20 without a request from the terminal 20 (the server 10 voluntarily transmits information (or data)) This is called &quot;push transmission&quot;.

In this case, the code for terminal display from the server 10 to the terminal 20 is an example and not a limitation, at a regular timing (eg, once a day) or at a specific timing (eg, when a payment application is started). (Code image for terminal display or number for payment) is sent by push. Then, the terminal 20 stores the terminal display code transmitted from the server 10 in the terminal display code stock data 2831 .

This modified example has shown the structure in which the number for payment (it is not limited, it is an example of 2nd information different from 1st information) is push-transmitted from the server 10 to the terminal 20. As shown in FIG.

As an example of the effect obtained by such a structure, 2nd information different from 1st information can be acquired from a server without the need of making a request from a terminal to a server.

<Fifth embodiment>

As described in the fourth embodiment, the terminal 20 cannot communicate with the server 10 in the offline state. For this reason, when an offline payment is made, the balance managed on the server 10 side is updated, but at least until returning to the online state and receiving a terminal payment completion notification from the server 10, the terminal 20 The balance stored by the side is not updated. That is, the balance displayed on the application screen of the payment application may not be the latest balance.

The fifth embodiment relates to a method for solving such a problem.

The contents described in the fifth embodiment are applicable to any of the other respective embodiments or each other modified examples.

In addition, the same code|symbol is attached|subjected about the same component as the component of previous writing, and re-explanation is abbreviate|omitted.

(1) Current affairs notice

The control unit 21 of the terminal 20 is an example, not a limitation, and when the above-described various extended terminal display codes are displayed on the display unit 24, the balance may not be up-to-date regardless of whether electronic money is used or not. give notice suggesting that

Specifically, as a non-limiting example, a message such as "The balance of electronic money may not be the latest balance" or "Please update the balance of electronic money" is displayed on the code display screen do. Alternatively, a message to the same effect as these is outputted from the speaker 26 as sound.

In addition, as another example, the elapsed time after the control part 21 of the terminal 20 changes from an online state to an offline state is measured as a suggestion notification suggesting that a balance is not correct. Then, the control unit 21 changes the mode of displaying the remaining amount based on the measured elapsed time.

8-1 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in the present embodiment.

In the present embodiment, display mode setting data 2836 is stored in the payment application data 283 .

The display mode setting data 2836 is data in which the display mode of the balance in the payment application is set. A data configuration example of the display mode setting data 2836A as an example thereof is shown in Fig. 8-2.

The display mode setting data 2836A includes, by way of example and not limitation, an elapsed time condition that is a condition for the elapsed time, and a mark type that is a type of mark additionally displayed on the balance when the elapsed time condition is satisfied. associated and stored. Here, the elapsed time is expressed as “t”, and the threshold value for the elapsed time is expressed as the threshold time “t1, t2”.

The first elapsed time condition is "t<t1", and "none" is determined as the mark type. This indicates that when the elapsed time t is shorter than the threshold time t1, the mark is not displayed because the possibility that the balance is not correct is low.

The second elapsed time condition is "t1≤t≤t2", and "question mark" is defined as the mark type. This indicates that if the elapsed time t is greater than or equal to the threshold time t1 and the elapsed time t is equal to or less than the threshold time t2, the probability that the balance is not correct is medium, and a “question mark” is additionally displayed on the balance.

The third elapsed time condition is "t2<t", and "danger mark" is defined as the mark type. This indicates that when the elapsed time t is longer than the threshold time t2, the remaining balance is highly likely to be inaccurate, and a "danger mark" is additionally displayed on the balance.

8-3 is a diagram showing a configuration example of the display mode setting data 2836B which is another example of the display mode setting data 2836. As shown in FIG.

In the display mode setting data 2836B, by way of example and not limitation, the display color of the balance (at least one of the characters and values of the balance) when the elapsed time condition and the elapsed time condition is satisfied is associated and stored. . The drawings are the same as those of FIG. 8-2.

The first elapsed time condition is "t<t1", and "blue" is determined as the display color of the balance. This indicates that when the elapsed time t is shorter than the threshold time t1, the remaining balance is displayed in "blue", assuming that the possibility that the balance is not correct is low.

The second elapsed time condition is "t1≤t≤t2", and "yellow" is determined as the display color of the balance. This indicates that if the elapsed time t is greater than or equal to the threshold time t1 and the elapsed time t is equal to or less than the threshold time t2, the probability that the balance is incorrect is considered medium, and the balance is displayed in "yellow".

The third elapsed time condition is "t2<t", and "red" is determined as the display color of the balance. This indicates that, when the elapsed time t is longer than the threshold time t2, the remaining balance is displayed in "red" with a high possibility that the balance is not correct.

In addition, although the threshold time can be set suitably, as an example and not limitation, time like "t1 = 30 minutes" and "t2 = 3 hours" can be set.

Fig. 8-4 is a diagram showing an example of a code display screen in this case. Here, the case where display is performed based on the display mode setting data 2836A of FIG. 8-2 is exemplified.

This code display screen is an example of the code display screen displayed in an offline state. In this display example, since it is suggested that the balance is unconfirmed, the character "unconfirmed balance" is displayed as the balance display next to the payment method at the top of the screen, and the value of the balance is displayed next to it.

The code display screen at the top shows the case where the elapsed time condition "t<t1" holds, and since the elapsed time t is shorter than the threshold time t1, no mark is displayed on the unconfirmed balance.

The code display screen of the interruption shows the case where the elapsed time condition "t1≤t≤t2" holds, and since the elapsed time t is greater than or equal to the threshold time t1, and the elapsed time t is less than or equal to the threshold time t2, the value of the outstanding balance is marked with a question mark (in this example, a ? in a circle).

The code display screen at the bottom shows the case where the elapsed time condition "t2<t" is satisfied, and since the elapsed time t is longer than the threshold time t2, a risk mark (in this example, a ! in a triangle) is placed next to the value of the outstanding balance. is indicated.

In addition to the above, by way of non-limiting example, the display color of the balance may be the same, and the display color of the balance may or may not be made darker as the elapsed time increases.

In addition to the above, as a non-limiting example, based on the elapsed time, the thickness of the character for displaying the remaining amount may be changed, or the like, or it may not be so.

(2) Notification of balance update timing

Since the user of the terminal 20 is notified of the timing when the balance was last updated, the control unit 21 of the terminal 20, by way of example and not limitation, when displaying the balance in the payment application, the balance is updated last Any one of the date the balance was last updated, the time the balance was last updated, and the date and time the balance was last updated are displayed on the screen of the display unit 24 (eg, code display screen) together with the balance.

(3) Update of the balance by the terminal

In order to update the balance to the latest value, the control unit 21 of the terminal 20, when a specific condition is satisfied, obtains the latest balance from the server 10, and stores the balance stored in the payment application data 283 update

Specifically, by way of example and not limitation, when returning to the online state after performing the payment procedures in the offline state, the control unit 21 of the terminal 20 sends a request for the latest balance to the server 10 ) to send Then, the balance stored in the payment application data 283 is updated with the balance transmitted from the server 10 upon receiving this request.

In addition, when returning to the online state and the terminal 20 receives a terminal payment completion notification from the server 10 , the balance stored in the payment application data 283 is updated based on the received terminal payment completion notification it is possible to do For this reason, when the said process is performed and the balance is updated, when the control part 21 receives the payment completion notification for terminals, you may make it not update a balance, and it is not necessary to do so.

In addition, even before receiving the terminal payment completion notification from the server 10, the above processing may be performed at the timing of returning to the online state to update the balance, or it may not be so.

In addition, although it is related to the code replenishment condition of condition No "CP2-3" of the code replenishment condition data 2838 (FIG. 7-2), the control unit 21 updates the balance for the input unit within the payment application in the online state. When an operation is detected, a request requesting the latest balance is transmitted to the server 10 . Then, the balance stored in the payment application data 283 is updated with the balance transmitted from the server 10 upon receiving this request.

Moreover, the control part 21 transmits a request requesting the latest balance to the server 10 at the timing when the payment application is started and communication-connected with the server 10 . Then, the balance stored in the payment application data 283 is updated with the balance transmitted from the server 10 upon receiving this request.

In addition, in this case, it is possible that the balance from the server 10 to the terminal 20 may not be up to date at a regular timing (eg, once a day) or at a specific timing (eg, when the payment application is started). Notify by push notification, etc. And, based on this notification, when a balance update operation to the input unit is detected within the payment application, a request requesting the latest balance is transmitted to the server 10 to obtain the balance from the server 10 It's fine, and you don't have to.

In addition, by way of example and not limitation, the latest balance is pushed from the server 10 to the terminal 20 at a regular timing (eg, once a day) or at a specific timing (eg, when a payment application is started). Then, the terminal 20 may be made to acquire the push-transmitted balance, or it may not be so.

(4) UI of balance modification

Next, a user interface (UI) for modifying the balance will be described.

The control unit 21 is an image that the user of the terminal 20 can operate in a screen (eg, a code display screen) on which the balance is displayed in the payment application as an example, and not by way of limitation, and is used to correct the balance. An image (hereinafter, referred to as an "image for balance correction") is displayed.

8-5 is a diagram showing an example of a display screen displayed on the terminal 20 in this case. Here, a screen corresponding to the code display screen shown in Fig. 8-4 is shown.

On this code display screen, below the unconfirmed balance of the payment method, as an example of an image for balance correction, a button for balance correction in which "correct the displayed balance" is displayed is displayed.

When this balance modification button is touched by the user of the terminal 20, the user of the terminal 20 may modify the value of the unconfirmed balance. Specifically, as a non-limiting example, during the display of the screen corresponding to the code display screen in the lower part of Fig. 8-5, for example, as shown in the upper part of Fig. 8-6, the balance correction button is displayed on the terminal ( 20) When touched by the user, for example, as shown at the bottom of FIGS. 8-6 , the numeric keypad for the user to input a number is displayed at the terminal 20, and the value of the balance input from the numeric keypad is displayed at the same time The displayed input balance display field is displayed. In the input balance display field, by way of example and not limitation, the message "Please enter the balance after use", a display field in which the entered balance value is displayed, an OK button for confirming the balance value, and the balance A cancel button is included to cancel the modification of .

When the OK button is touched, the control unit 21 corrects the display of the unconfirmed balance value. For example, when the unconfirmed balance is "3,000 yen" and the user of the terminal 20 inputs "2,600" using the numeric keypad and touches the OK button as shown in Figs. 8-6, for example, in Fig. 8 As shown in the upper part of -7, the display of the value of the unconfirmed balance is corrected to "2,600 yen".

When returning to the online state, the terminal 20 determines the value of the unconfirmed balance based on information transmitted from the server 10 (eg, a payment completion notification for the terminal). In this case, the modified unconfirmed balance value may be different from the latest balance value managed by the server 10 for reasons such as the user of the terminal 20 erroneously recognizes the amount to be paid. In this case, the control unit 21 adjusts/updates the corrected unconfirmed balance value to a correct value based on the information transmitted from the server 10 .

For example, if the balance of "2,600 yen" shown in the upper part of Fig. 8-7 is 100 yen, for example, as shown in the lower part of Fig. 8-7, the unconfirmed balance value is "2,500 yen" Adjustment/update is displayed, and by confirming the balance by this, the character of "unconfirmed balance" is changed to the character of "balance" and displayed, and the display of the button for balance correction is also deleted.

(5) UI of balance update

The control unit 21 is an image that is operable by the user of the terminal 20 on a screen (eg, a code display screen) on which the balance is displayed in the payment application as an example, and not by way of limitation, and is an image used to update the balance (hereinafter referred to as "image for balance update") may be displayed.

Specifically, the control unit 21 displays a balance update button for correcting the balance as an example of a balance correction image next to the display of the balance of the payment method on the code display screen, as an example and not limitation. can do it

When the balance update button MB is touched in the online state, the control unit 21 transmits a request for the latest balance to the server 10 . Then, in response to this request, the balance stored in the payment application data 283 is updated with the balance transmitted from the server 10, and the balance value next to the balance update button is updated with the balance value transmitted from the server 10 update

Although the code image is displayed in addition to the balance on the code display screen, even when the button for updating the balance is touched, the code generation request information is not transmitted from the terminal 20 to the server 10, and the code image being displayed is not updated. That is, the display is updated by targeting only a partial area (partial area) of the code display screen. In this way, since the code image being displayed can be read by the store code reader device 50 as it is and the server 10 can make the payment, the time required for payment can be shortened compared to the case where the code is also updated. there is.

(6) Presentation of the balance by the store

In C180 of Fig. 4-12, the control unit 11 of the server 10 includes the latest balance associated with the terminal 20 or the terminal 20 user who made the payment in the store payment completion notification, and the store code reader to the device 50 . Then, when receiving the payment completion notification for the store from the server 10 in B280, the store code reader device 50 displays the received payment completion notice for the store (including the latest balance) on the display unit 53 . In addition, a store employee or the like presents a payment completion notification for the store displayed on the display unit 53 to the user.

In this case, the terminal 20 user, after confirming the presented in-store payment completion notification, performs an operation to correct the balance in the payment application of his/her terminal 20, and corrects the balance to the latest balance.

<Others>

A screen displaying balance information in the payment application is not limited to a code display screen. For example, as shown in FIG. 3-2 and the like, balance information may be displayed on the main screen of the payment application. In this case, by way of example and not limitation, in place of or in addition to the code display screen, the above-described image for balance correction or image for balance update is displayed on the main screen, and for balance correction displayed on the main screen The balance may be corrected or the balance updated based on the image or the balance update image.

<Effect of the fifth embodiment>

The fifth embodiment shows a configuration in which the terminal 20 displays information on the balance of electronic money that can be used for payment on the screen of the payment application.

As an example of the effect obtained by such a configuration, by displaying the balance information of the electronic money usable for settlement in the display area of the terminal, it is possible to notify the user of the terminal of the balance of the electronic money usable for settlement.

Further, in the fifth embodiment, the terminal 20 transmits the balance information of electronic money through the communication I/F 22 by the control unit 21 based on the communication status of the communication I/F 22 to the server. Receive from (10). And, the terminal 20 shows a configuration for displaying the received balance information of the electronic money on the screen in the payment application.

As an example of the effect obtained by such a configuration, the terminal appropriately receives the balance information from the server through the communication unit by the control unit based on the communication status of the communication unit, and then displays it in the display area to notify the terminal user. .

Further, in the fifth embodiment, the terminal 20 provides information on the date on which the balance was last updated (not limiting, but an example of information about the date on which the balance information is displayed in the display area), the information on the date when the balance was last updated. Time information (not limiting, but an example of information regarding the time when the balance information is displayed in the display area), information on the date and time when the balance was last updated (not limited, but related to the date and time when the balance information is displayed in the display area) An example of information) is shown in a configuration in which any one of the information is displayed on the payment application screen.

As an example of the effect obtained by such a configuration, the terminal can notify the user by displaying in the display area information about the date when the balance information is displayed in the display area or information about the time when the balance information is displayed in the display area.

Further, in the fifth embodiment, the terminal 20 performs a code display screen on the basis of a user operation (not limited, but an example of an input related to correction of balance information) on an image for balance correction, such as a balance correction button, etc. It shows the configuration for correcting the balance displayed in .

As an example of the effect obtained by such a configuration, the balance displayed on the display area of the terminal can be easily and appropriately corrected based on the input related to the correction of the balance information.

In addition, the fifth embodiment shows a configuration in which the terminal 20 displays an image for updating a balance such as a button for updating the balance (not limited, but an example of display for updating balance information by input of a terminal user) there is.

As an example of the effect obtained by such a configuration, by displaying an indication for updating the balance information by the input of the terminal user on the display area of the terminal, the terminal user can easily update the balance, and the user's convenience is improved. can be improved

Further, in the fifth embodiment, the terminal 20 displays the balance on the code display screen, and codes the image for updating the balance (not limited, but an example of display for updating balance information by input from the terminal user). displayed on the display screen. In this case, the terminal 20 displays the code display (not limiting, but an example of the first display) in one region (not limiting, but an example of the third region) of the code display screen, and displays the code display in another area of the code display screen. The remaining amount is displayed in the area (not limiting, but an example of the fourth area). Also, a configuration is shown in which the balance displayed in the other area is updated while the code display is displayed in one area based on a user operation on the balance update image.

As an example of the effect obtained by such a configuration, the balance information displayed in the fourth area in the state where the first display is displayed in the third area based on the input by the terminal user to the display for performing the update of the balance information can be updated, only the balance information displayed in the fourth area can be updated without the need to update the first display displayed in the third area.

<Fifth modified example>

Regarding the correction or change of the balance described in the fifth embodiment, even if the terminal 20 is in an offline state, the store POS system 40 can communicate with the server 10 . For this reason, by way of example and not limitation, the latest balance (correct balance) of the terminal 20 user is printed on the receipt issued by the code register 60 . In addition, as an example and not a limitation, the balance input to the code register 60 or the balance displayed in the code register 60 becomes the latest balance of the user of the terminal 20 .

There, by way of example and not limitation, it is determined whether the store code reader device 50 is offline payment. As described above, the code image for terminal display includes a number for payment, while the code image for extended terminal display includes a number for payment and time information. For this reason, the store code reader apparatus 50 can determine as an offline payment when the number for payment and time information are included in the information acquired by decoding from the read code image as an example and not limitation.

In addition, as an example, but not limiting, the server 10 determines the offline payment based on the payment request information including the payment number and time information received from the store code reader device 50 . Then, after the server 10 performs payment processing, a store-use payment completion notification including information indicating that it is an offline payment is transmitted to the store code reader device 50, whereby the store code reader device ( 50) may be determined as offline payment.

When it is determined that offline payment is made, the store code reader device 50 outputs information indicating that it is an offline payment to the code register 60 by way of example and not limitation. In this case, the code register 60 may be configured to print the balance and information indicating that the balance is different from the balance displayed on the terminal 20 on the issued receipt as an example and not limitation.

Similarly, when it is determined as offline payment, the store code reader device 50 outputs information indicating that it is an offline payment to the code register 60 as an example without limitation. In this case, the code register 60 displays, by way of example and not limitation, the balance and information indicating that the balance is different from the balance displayed on the terminal 20 on a display or the like facing the customer side. can do it

Also, in this case, the effect that the balance printed on the receipt or the balance displayed on the display is different from the balance displayed on the terminal 20, or that the balance displayed on the terminal 20 is not the correct balance The store staff or the like may orally notify (notify) the user of the terminal 20, or may not do so.

<Sixth embodiment>

The sixth embodiment is an embodiment in which authentication processing is performed in the terminal 20 when performing offline payment. In addition, when performing this authentication process, if a specific condition is satisfied, an authentication process is skipped.

In the present embodiment, "authentication" means authenticating that a user of the terminal 20 is a regular user in order to make a payment, unless otherwise specified, and "authentication processing" means to implement this authentication for payment. processing for

In addition, "authentication skip condition" means a condition for skipping the above authentication processing for payment unless otherwise specified, and "skip authentication processing" means ignoring the authentication processing processing command and executing the next command processing, that is, omitting authentication processing.

9-1 is a diagram showing an example of the data configuration of the store registration data 155B, which is an example of the store registration data 155 stored in the storage unit 15 of the server 10 in the present embodiment.

This store registration data 155B is registration data of affiliate stores similarly to the above-mentioned store registration data 155A (FIG. 4-4), but the data structure is partly different.

Specifically, in the store registration data 155B, in addition to the industry type, the store name, the store location information, the store POS system information, and the store ID, the first specific industry type flag and the second specific industry type flag are stored in association with each other.

The first specific industry flag is a flag indicating whether this industry is a pre-set first type of specific industry (hereinafter referred to as "the first specific industry"), and "ON" is Stored, "OFF" is stored in the industry that does not correspond to the first specific industry. The first specific industry may be set in advance on the server 10 side as an example, not limitation. In this example, "convenience store" and "supermarket", which are industries that many users use on a daily basis, are set as the first specific industries.

The second specific industry flag is a flag indicating whether this industry is a pre-set second type of specific industry (hereinafter referred to as "the second specific industry"), and "ON" is an industry corresponding to the second specific industry It is stored, and "OFF" is stored in the industry that does not correspond to the second specific industry. The second specific industry may also be set in advance on the server 10 side as an example, not limitation. In this example, "a pub", which is a type of industry in which the user has a high risk of losing the terminal 20, is set as the second specific type of industry.

9-2 is a diagram showing an example of a function realized by the control unit 21 in the present embodiment.

The payment application processing unit 211 of the control unit 21 includes an authentication processing unit 2115 and an authentication skip determination processing unit 2117 . In addition, the control unit 21 includes a position calculation processing unit 217 .

The authentication processing unit 2115 has a function of executing authentication processing for authenticating whether the terminal 20 user is a regular user when performing offline payment.

In the authentication processing, by way of example and not limitation, as display processing related to the execution of authentication for the terminal 20 user, the display unit 24 displays an authentication screen for allowing the terminal 20 user to input an authentication password. and it is determined whether or not the authentication password input on this authentication screen matches the authentication password registered in the storage unit 28 .

In the present embodiment, the authentication processing unit 2115 is, by way of example and not limitation, the timing before executing the processing of A350 in the processing of Figs. 4-12 or the execution of the processing of A550 in the processing of Figs. The authentication process is executed at the previous timing.

The authentication skip determination processing unit 2117 includes a function of executing authentication skip determination processing, which is processing for determining whether to skip the authentication processing executed by the authentication processing unit 2115 .

In the present embodiment, the authentication skip determination processing unit 2117 executes the authentication skip determination processing at a timing before the authentication processing by the above-described authentication processing unit 2115 is executed as an example and not by way of limitation.

The position calculation processing unit 217 includes a function of executing position calculation processing, which is processing for calculating the position of the own terminal 20, based on the position calculation information output from the position calculation information detection unit 29B, there is. The position calculation processing unit 217 performs a satellite positioning calculation, for example, based on satellite orbit data or time data output from a satellite positioning sensor (satellite positioning unit) included in the position calculation information detection unit 29B, and performs a satellite positioning calculation by itself. calculates the location of the terminal 20 of In addition, the position calculation processing unit 217 performs an inertial navigation calculation based on the information of the acceleration or angular velocity output from the inertial measurement sensor (inertial measurement unit) included in the position calculation information detection unit 29B, and performs an inertial navigation operation on its own terminal ( 20) is calculated.

In addition, unlike the present embodiment, as an example and not limitation, a processing device or an arithmetic device (eg, CPU or DSP) is provided in the position calculation information detection unit 29B, and the control unit 21 of the terminal 20 is ), but the position calculation information detection unit 29B may or may not calculate and output the position of the terminal 20 .

In addition, as an example and not limitation, a wireless device for enabling location information to be acquired from the terminal 20, for example, a beacon that transmits a beacon signal (a typical example of a Bluetooth signal) is installed in the affiliated store, and the terminal (20) You may make it acquire positional information based on the beacon signal transmitted from the beacon installed in this shop, and it is not necessary to do it.

9-3 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in the present embodiment.

In the storage unit 28, in addition to the payment application software 281 and the terminal data 289, by way of example and not limitation, a position calculation processing program 287 and calculation terminal position history data 288 executed as a position calculation processing. is saved

In addition to the code stock data 2831 for terminal display, the data for payment 2832 , and the store data 2833 in the payment application data 283 , authentication skip condition data 2837 is stored as an example and not limitation.

Fig. 9-4 is a diagram showing an example of the data configuration of data for payment 2832B, which is an example of data for payment 2832 in the present embodiment.

The payment data 2832B stores an authentication password and a payment application unlocking password in addition to the information stored in the payment data 2832A (FIGS. 4-8).

Further, in the present embodiment, the store data 2833 stores various kinds of store information stored in the store registration data 155A (FIG. 9-1) of the server 10 by way of example and not limitation.

For the calculation terminal position history data 288, by way of example and not limitation, the position calculation processing unit 217 performs position calculation processing every predetermined time (eg, "1 minute", "5 minutes", or "10 minutes"). Thus, a history of the calculated position of the terminal 20 (hereinafter referred to as "calculated terminal position") is stored.

In addition, in the present embodiment, the terminal data 289 includes, by way of example and not limitation, the lock setting "ON/OFF" on the OS side of the terminal 20 and for releasing the lock on the OS side of the terminal 20 . Information such as terminal unlock password and terminal-side authentication setting "ON/OFF" is included.

The authentication skip condition data 2837 is data for which the authentication skip condition is determined, and an example of the data structure is shown in FIG. 9-5.

The authentication skip condition data 2837 includes a condition category No that is a category number of an authentication skip condition, a condition No that is a number of an authentication skip condition included in the category of this condition category No, an authentication skip condition of this condition No, and this authentication The presence or absence of application indicating whether or not to apply the skip condition to determine whether to apply the skip condition and the degree of importance (priority) of the authentication skip condition are correlated and stored. Hereinafter, each authentication skip condition and its determination method will be described in detail.

<Condition Category No "SP1">

Condition category No. "SP1" is a category of "time", and is an example without limitation, and the authentication skip conditions of condition Nos "SP1-1" and "SP1-2" are included here.

As the authentication skip condition of condition No. "SP1-1", "the current date and time is within the set time from the last settlement date and time" is determined.

The "last settlement date and time" is the date and time when the last settlement was performed (the latest date and time when the settlement was made) regardless of whether or not the authentication process was skipped in the terminal 20 . This means that if the current date and time is within a set time (for example, "within 1 hour") from the last payment date and time, payment is made again while not much time has elapsed, so in order to improve user convenience, authentication is omitted. means to do

In the determination of the authentication skip condition, as an example and not limitation, the authentication skip determination processing unit 2117 determines the current date and time based on the time time clocked by the clock unit 29A and settlement of the payment data 2832B. By acquiring the last payment date and time stored in the history data, it is possible to determine whether the current date and time is within a set time from the last payment date and time.

As the authentication skip condition of condition No. "SP1-2", "the current time is included in the set time zone" is determined. The set time period may be set in advance by the user of the terminal 20 as an example, not limitation. Specifically, for example, the user of the terminal 20 sets the time zone in which the user frequently performs payment to the set time zone, so that authentication can be omitted when payment is made in the set time zone.

In the determination of the authentication skip condition, by way of example and not limitation, the authentication skip determination processing unit 2117 acquires the current time based on the time time clocked by the clock unit 29A, and the current time is included in the set time zone. It's good to let you decide whether or not it works.

<Condition Category No "SP2">

Condition category No. "SP2" is a category of "store/place", and is an example without limitation, and the authentication skip conditions of condition Nos "SP2-1" to "SP2-4" are included here.

In the offline state, the position calculation processing unit 217 may not be able to perform position calculation using the satellite positioning system. Here, in the offline state, the position calculation processing unit 217 is, as an example and not limited to, based on the above-described inertial navigation calculation or a beacon signal transmitted from a beacon installed in the above-described affiliate store, the own terminal 20 ) is calculated and specified, and stored in the calculated terminal position history data 288 . Then, based on the history of the calculated terminal position stored in the calculated terminal position history data 288 and the recent calculated terminal position, it is determined whether the following authentication skip conditions are satisfied. In addition, a beacon signal can be received by setting the Bluetooth function to "ON" in the terminal 20 as an example without limitation.

As the authentication skip condition of condition No. "SP2-1", "settlement or payment authentication has been performed in the past at a payment scheduled store" is determined.

"Payment scheduled store" means a store (store in an unconfirmed state before payment) where payment is to be made in the future. That is, when payment or authentication has been performed in the past at a store where payment is made in the future, authentication is omitted in order to improve user convenience.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 includes, by way of example and not limitation, the history of the calculation terminal position and the recent calculation terminal position stored in the calculation terminal position history data 288, and the payment Acquire the payment date and time stored in the payment history data of the data 2832B, and determine whether there is a calculation terminal position matching the recent calculation terminal position among the calculation terminal positions corresponding to the same date and time as the past payment date and time can do.

As the authentication skip condition of condition No. "SP2-2", "the store where the payment plan is set for the store" is determined. The setting store can be basically set in advance on the server 10 side. As a non-limiting example, the server 10 may statistically aggregate stores frequently used by users and set them as set stores. This means that authentication is omitted to improve user convenience in stores where users use it frequently.

Moreover, you may make it possible to set the setting store on the terminal 20 side instead of the server 10 side. For example, a user of the terminal 20 may set a store with a high frequency of use of the terminal 20 as a set store in the terminal 20 . In addition, for example, the terminal 20 user sets a store near his home as a set store as safe as a store in a specific industry (eg, a convenience store), but sets the store as a set store because other stores are dangerous. You may be able to avoid doing that.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117, by way of example, and not limitation, of the calculation terminal position history stored in the calculation terminal position history data 288 and the payment data 2832B The payment store name stored in the payment history data and the store information stored in the store data 2833 are acquired, and among the calculation terminal positions corresponding to the same date and time as the payment date and time in the past set store, the latest calculation terminal It may be configured to determine whether a matching calculated terminal location exists.

As the authentication skip condition of condition No. "SP2-3", "the store to be paid is the store of the first specific type of business" is determined.

The first specific type of industry is an example, not a limitation, and a type of industry that many users use on a daily basis, such as a "convenience store" or a "supermarket", may be set. When payment is made at these stores, authentication is omitted in order to improve user convenience.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117, by way of example, and not limitation, of the calculation terminal position history stored in the calculation terminal position history data 288 and the payment data 2832B The payment store name stored in the payment history data and the first specific industry flag stored in the store data 2833 are acquired, and the same date and time as the past payment date and time at the store in which the first specific industry flag is "ON" and determine whether there is a calculation terminal position matching the recent calculation terminal position among the corresponding calculation terminal positions.

As the authentication skip condition of condition No "SP2-4", "the set time exceeded from the settlement date and time at the store of the 2nd specific type of business" is determined. As described above, as the second specific industry type, a type of industry in which the user has a high risk of losing the terminal 20, such as "a pub", may be set. In addition, as for the set time, for example, a time such as "3 hours", "6 hours", or "12 hours" can be set. When payment is made at a store with a high risk of losing the terminal 20, authentication is required from the settlement date until the set time is exceeded. means to do

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117, by way of example and not limitation, determines the current date and time based on the time time clocked by the clock unit 29A and settlement of the payment data 2832B. Obtaining the payment date and time stored in the history data and the second specific industry flag stored in the store data 2833, the current date and time in the store where the second specific industry flag is "ON" exceeds the set time from the payment date and time, It can be determined whether or not

<Condition Category No "SP3">

Condition category No. "SP3" is a category of "amount of money", and is an example without limitation, and the authentication skip conditions of condition Nos "SP3-1" and "SP3-2" are included here.

As the authentication skip condition of condition No. "SP3-1", "do not exceed the daily limit set amount" is determined.

The "daily limit setting amount" is an upper limit setting amount used as a threshold value with respect to the total amount of the settlement amounts (the amount of payment completed) already settled on that day. That is, when the total amount of payment amounts already paid on the first day does not exceed the daily limit set amount, it means that authentication is omitted in order to improve user convenience.

Conversely, if the total amount of settlement amounts already settled on that day exceeds the limit set amount for one day, authentication can be performed to alert people to excessive use of money for settlement. there is. In addition, when a minor or the like makes a payment, the guardian may restrict the use.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 is, by way of example and not limitation, the daily limit set amount stored in the payment data 2832B, and the day specified from the payment history data. by obtaining the total amount of the payment amount of , it is possible to determine whether the total amount exceeds the daily limit set amount.

As the authentication skip condition of condition No "SP3-2", "the balance is less than the set amount (or less than the set amount), automatic recharge setting OFF" is determined. The set amount may be set in advance by the user of the terminal 20 by way of example, not limitation. This means that, when the balance is less than the set amount (or less than the set amount), the user cannot purchase a high-priced product by payment and the risk is considered low, and thus authentication is omitted to improve user convenience.

However, when the automatic charging setting is "ON", since electronic money is automatically replenished, it becomes possible for a user to purchase expensive goods by payment, and it becomes dangerous. Therefore, in addition to the balance being less than the set amount (or less than the set amount), the automatic recharging setting is "OFF" as a condition for authentication skip.

Further, in this case, when the automatic recharging setting is "ON", even if the remaining balance is equal to or less than the set amount (or less than the set amount), in principle, the authentication process is not skipped. However, as described above, in consideration of the improvement of user convenience, the authentication process may be skipped even when the automatic charging setting is “ON”. In this case, as an example and not a limitation, it is good to set the balance to "below the set amount (or less than the set amount)" except for the automatic charging setting OFF from the authentication skip condition of condition No "SP3-2" above. In other words, even if the automatic recharging setting is “ON”, authentication processing is not necessarily required. There may be cases, and there may be cases where authentication processing is not performed.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117, by way of example and not limitation, acquires the balance and automatic recharge settings stored in the payment data 2832B, and the balance is equal to or less than the set amount (or less than the set amount), and it is possible to determine whether the automatic charging setting is “OFF”.

<Condition Category No "SP4">

Condition category No. "SP4" is a category of "commodity", and is an example without limitation, and the authentication skip conditions of condition Nos "SP4-1" and "SP4-2" are included here.

As an authentication skip condition of condition No. "SP4-1", "the product to be purchased is a daily consumer product" is determined.

The "purchased product" means a product (product in an unconfirmed state prior to payment) that is scheduled to be purchased by making a payment from now on. That is, when the product to be purchased through payment from now on is a daily consumer product, it means that authentication is omitted in order to improve user convenience.

As the authentication skip condition of condition No. "SP4-2", "there is a purchase history of the product to be purchased" is determined. This means that when the product to be purchased matches the product purchased by the user of the terminal 20 more than once, authentication is omitted to improve user convenience.

<Condition Category No "SP5">

The condition category No. "SP5" is a category of "security", and is an example and not a limitation, and the authentication skip condition of condition No "SP5-1" is included here.

As the authentication skip condition of condition No. "SP5-1", "in terminal locking or payment application locking" is determined. In this case, in a state in which the terminal 20 is locked on the OS side or the payment application side is locked, authentication by input of a terminal unlock password or a payment application unlock password, respectively, to release these lock states becomes necessary For this reason, it means that authentication for payment is made unnecessary in order to improve user convenience.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 includes, by way of example and not limitation, information on the presence or absence of lock on the OS side of the terminal 20 stored in the terminal data 289, and payment application data. It is possible to obtain information on whether the payment application is locked or not, stored in 283 , to determine whether the terminal is being locked or the payment application is being locked.

Condition category No "SP6" is a category of "authentication setting", and is an example and not a limitation, and the authentication skip condition of condition No "SP6-1" is included here.

As the authentication skip condition of condition No "SP6-1", "authentication setting OFF on the terminal side or authentication setting OFF on the payment application side" is determined.

The terminal-side authentication is various authentications required for the user on the terminal 20 side, including authentication of the user's identity. The authentication on the payment application side is authentication required by the user when making a payment using the payment application.

This means that authentication is omitted when a setting to omit authentication is made on the terminal 20 side by the user of the terminal 20, or when a setting to omit authentication is made on the payment application side.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 includes, by way of example and not limitation, the terminal-side authentication settings stored in the terminal data 289 and the payment application data 283 stored in the payment application data 283 . By acquiring the authentication setting on the payment application side, it is possible to determine whether at least one of the authentication setting on the terminal side and the authentication setting on the payment application side is "OFF".

Although a plurality of authentication skip conditions have been exemplified so far, in this embodiment, as an example and not a limitation, for each of these authentication skip conditions, the application or non-applicability indicating whether the authentication skip condition can be applied is determined.

In the present embodiment, no application &quot;x&quot; is defined in the authentication skip conditions of condition Nos "SP4-1" and "SP4-2". In order to determine these authentication skip conditions, it is necessary for the terminal 20 to acquire information about the product to be purchased. However, basically, the terminal 20 cannot acquire information about the product to be purchased, and can neither determine whether the product to be purchased is a daily consumer product nor determine whether there is a purchase history of the product to be purchased. because it can't

However, if the terminal 20 can acquire information about the product to be purchased, these authentication skip conditions become applicable "○". The details thereof will be described later in the modified example.

In addition, in this embodiment, as an example and not limitation, for each of the above authentication skip conditions, "importance" (the degree to which the authentication skip condition is applied preferentially) is an index value indicating the degree of importance of the authentication skip condition. Also referred to as "priority") is determined.

The importance is, as an example, not limiting, expressed in three stages of "A" to "C", and the importance is determined so that "A" is the most important and "C" is the least important.

Specifically, as an example and not a limitation, Condition Nos "SP1-1", "SP2-1", "SP2-4", "SP3-1", "SP3-2", "SP5-1", " Severity “A” is determined for the authentication skip condition of “SP6-1”, importance “B” is determined for the authentication skip condition of condition Nos “SP2-2” and “SP2-3”, and “SP1-2” The importance "C" is determined in the authentication skip condition of . In addition, in this embodiment, since the authentication skip conditions of condition Nos "SP4-1" and "SP4-2" are not applicable, "- (none)" is determined in the importance level.

In addition, it goes without saying that the above-mentioned importance setting is merely an example, and an appropriate setting change is possible. In addition, in this example, the presence or absence of application and importance are determined for each authentication skip condition (for each condition No), but instead of this, the presence or absence and importance of application may be determined for each category (condition category No) of the authentication skip condition. , you don't have to.

In addition, it is also possible to set only applicable authentication skip conditions in the authentication skip condition data 2837 without providing a field of application or not in the authentication skip condition data 2837.

In addition, in this example, the importance level is set in association with the authentication skip condition, but the importance level setting is not an essential requirement, and the importance level may not be set. That is, in the above authentication skip condition data 2837, the column of importance may not be provided.

In this case, in the authentication skip determination processing, by way of example and not limitation, it is determined whether or not the authentication skip condition is satisfied in an arbitrary order, and when any one of the authentication skip conditions is satisfied, the authentication processing is skipped. It's good to have it judged.

Information indicated by categories of authentication skip conditions in the above authentication skip condition data 2837 and information used to determine each authentication skip condition included in each category are included in the electronic money information.

Specifically, for example, the category of "SP1 (time)" includes information about the time when payment was made with electronic money, but this information can be said to be information about electronic money in a broad sense.

Further, for example, the category of "SP2 (store/place)" includes information about a place where payment was made with electronic money and information about a store where payment was made with electronic money, but such information is broadly can be said to be information about electronic money.

In addition, for example, the category of "SP3 (amount of money)" includes information about the amount of electronic money, but this information can be said to be information about electronic money in a broad sense.

In addition, for example, the category of "SP4 (product)" includes information about a product to be purchased with electronic money, but this information can be said to be information about electronic money in a broad sense.

In addition, since the meaning of the term "information about ..." is the same also about other examples, the description each time is abbreviate|omitted.

<Processing>

9-6 is a flowchart showing an example of a processing flow executed by each apparatus in the present embodiment. In order from the left, the third payment application processing, which is an example of the payment application processing executed by the control unit 21 of the terminal 20, is an example of the store payment processing executed by the control unit 51 of the store code reader device 50 The 1st settlement management process which is an example of a 1st store settlement process and the settlement management process which the control part 11 of the server 10 performs is shown, respectively.

The flowchart of FIGS. 9-6 is to add steps A640 to A660 to the flowchart of FIGS. 4-12 .

Incidentally, here, the case of adding the steps A640 to A660 to the flowchart of Figs. 4-12 is exemplified, but these steps are performed in other flowcharts (eg, the flowchart of Fig. 3-1, the flowchart of Figs. 3-4, Fig. 5-2) of FIG. 6-3 , the flowchart of FIG. 10, etc.) may be similarly added.

After A240, when it goes offline and, for example, a code display operation is performed by the user of the terminal 20, the authentication skip determination processing unit 2117 performs the authentication skip determination processing (A640).

Specifically, as a non-limiting example, among the authentication skip conditions stored in association with the presence or absence of application of the authentication skip condition data 2837, "A" or " The authentication skip condition associated with "B" is determined as the applied authentication skip condition. Then, information necessary for the determination of each determined authentication skip condition is acquired, and it is determined whether the authentication skip condition is satisfied. Information necessary for the determination of each authentication skip condition and the determination method are as described above. As a non-limiting example, when at least one authentication skip condition is satisfied, it is determined that the authentication process is skipped, and in other cases, it is determined that the authentication process is not skipped.

In addition, the above-described method for determining the authentication skip condition and the method for determining whether the authentication skip condition is established are merely examples, and are not limited thereto.

Specifically, as a non-limiting example, only the authentication skip condition in which "A" is associated with importance may be determined as the applied authentication skip condition, or it may not be so. In addition, the authentication skip condition of importance "C" may be included in the applied authentication skip condition, or it may not be so.

In addition, as a non-limiting example, with respect to the authentication skip condition in which "A" is associated with the importance, it is determined that the authentication process is skipped if at least one authentication skip condition is satisfied, but "B" is related to the importance As for the authentication skip condition, it may be determined that the authentication process is skipped when all the authentication skip conditions are satisfied, or it may not be so.

Then, the control unit 21 determines whether or not it is determined to skip the authentication processing in the authentication skip determination processing (A650). If it is determined that the authentication processing is not skipped (A650: NO), the authentication processing unit 2115 performs authentication processing (A660).

Specifically, by way of example and not limitation, an authentication screen is displayed on the display unit 24 and the user inputs an authentication password. Then, it is determined whether the input authentication password matches the authentication password stored in the payment data 2832B. Then, when they match, the authentication result is set to "OK", and when it does not match, the authentication result is set to "NG".

If the authentication result is determined to be "NG" in the authentication process, by way of example and not limitation, the control unit 21 executes an error process not shown. Specifically, as a non-limiting example, a notification is issued to prompt the user to re-enter the authentication password, and the authentication process is executed again. On the other hand, if the authentication result is judged to be "OK" in the authentication process, the control unit 21 moves the process to A350.

Further, when it is determined that the authentication processing is to be skipped (A650: Yes), the control unit 21 skips the authentication processing of A660 and moves the processing to A350.

<Effect of the sixth embodiment>

In the sixth embodiment, the terminal 20 acquires an authentication password (not limiting, but an example of information about the terminal user) by the control unit 21 . And the terminal 20 executes an authentication process by the control part 21 based on the acquired authentication password. The terminal 20 shows a configuration in which the control unit 21 executes, based on the authentication processing, code generation processing for extended terminal display and code display processing (not limited, but an example of processing related to payment) there is.

As an example of the effect obtained by such a configuration, the security of settlement can be improved by performing a process related to settlement after executing a process for authenticating a user based on the acquired information about the user of the terminal.

Further, the sixth embodiment provides information for determining whether or not the terminal 20 skips the authentication process for authenticating the terminal 20 user (not limiting, information for skipping the terminal user authentication process) is obtained by the control unit 21 . Then, when this information is acquired, the authentication process is skipped and the code display (not limited, but an example of the first display) is displayed in one area, and when this information is not acquired, the authentication process is performed and the code The configuration in which the display is displayed in one area is shown.

As an example of the effect obtained by such a configuration, when the terminal acquires information for skipping the terminal user's authentication process, the terminal skips the terminal user's authentication process and displays the first indication in the display area Therefore, the time required for payment can be shortened. On the other hand, when information for skipping the terminal user authentication process is not acquired by the control unit, the terminal user's authentication process is performed and the first indication is displayed in the display area to indicate that the terminal user is a regular user. After confirmation, the first indication may be displayed in the display area.

In this embodiment, the present embodiment is not limited to the online state, and even in the offline state, after the authentication skip determination is made in the terminal 20, authentication can be performed or authentication can be skipped. In addition, since authentication skip determination or authentication is performed on the terminal side instead of authentication skip determination or authentication on the server side, execution/non-execution of authentication can be switched on the terminal side even in an offline state.

In addition, in the present embodiment, not only in the offline state but also in the online state, authentication skip determination and authentication are not performed on the server side, but authentication skip determination and authentication are performed on the terminal side. Accordingly, since the terminal does not need to perform unnecessary communication with the server, it is possible to make payment quickly and smoothly.

<Sixth Modification (1)>

In the sixth embodiment, the type of authentication for the terminal 20 user is password authentication, and the display processing related to the execution of this authentication is the processing of displaying the authentication screen for inputting the authentication password. not. In addition to this, for example, when the type of authentication for the terminal 20 user is biometric authentication such as face authentication, fingerprint authentication, and voice authentication, processing for displaying an authentication screen necessary for performing these biometric authentication is performed on the terminal The display processing related to the execution of authentication for the user may or may not be performed.

In addition, as an example and not limitation, the processing of displaying the authentication screen in the authentication processing for acquiring an account such as an application ID of the payment application may be made to display processing related to the execution of authentication for the terminal user, you don't have to Then, when the result of this authentication processing is "OK", the terminal 20 may receive the account for using the payment application from the server 10 as information regarding payment by electronic money. , you don't have to.

<Effect of the sixth modification (1)>

As an example of the effect according to the present modification, the terminal simply receives information about payment by electronic money without performing display processing related to authentication execution for the terminal user similarly for authentication other than authentication using an authentication password. can do.

In addition, the terminal can simply acquire information necessary for using the payment service as information about payment by electronic money without performing display processing related to the execution of authentication for the terminal user.

<Sixth Modification (2)>

In the sixth embodiment, it is assumed that the store location information is included in the store data 2833 , and the terminal 20 sends the store location indicated by the store location information included in the store data 2833 to the location calculation processing unit 217 . The authentication skip determination may or may not be performed on the basis of the calculated terminal position calculated by the

Specifically, for example, when determining the authentication skip condition in which "settlement store is a set store" of condition No "SP2-2" included in condition category No. "SP2", the latest calculation terminal of the terminal 20 is determined, for example. It may be determined whether the location matches the location of the set store stored in the store data 2833 .

The same applies to other authentication skip conditions related to stores and places.

<Effect of the sixth modification (2)>

As an example of the effect obtained by this modification, the terminal can simply determine whether the authentication skip condition is satisfied based on the terminal location information calculated by the terminal 20 and the store location information stored in advance.

<Sixth Modification (3)>

The authentication skip condition described in the sixth embodiment is merely an example, and can be appropriately added, deleted, or changed.

Specifically, as a non-limiting example, the authentication skip condition in which "the current date and time is within the set time from the last settlement date and time" of condition No "SP1-1" is "the current date and time is within the set time from the last authentication date and time" You might say This is, for example, when a user of the terminal 20 purchases a certain product (eg, a lunch box), after authentication is performed in the terminal 20, the terminal 20 immediately purchases another product (eg, coffee). This is because the same case as requiring re-authentication is considered.

In addition, the above "final authentication date and time" is not necessarily limited to the date and time when the authentication for payment was last performed, and is an example that is not limiting. B, authentication of a different kind from authentication for payment, such as the date and time when the authentication for unlocking the OS side of the terminal 20 was last performed, or the date and time when the authentication for unlocking the payment application side was last performed The date and time performed last can also be referred to as "last authentication date and time" in the above authentication skip condition.

In addition, as a non-limiting example, the "last payment date and time" in the authentication skip condition of condition No "SP1-1" is the latest date and time when electronic money was charged by the user, "last charge date", or payment application It can also be referred to as "last payment-related operation date and time", which is the latest date and time at which a user operation related to payment was performed within the system. If not much time has elapsed since the last time the electronic money was charged, it is reasonable to skip the authentication process, since it is highly likely that the user has charged the electronic money for payment. In addition, if not much time has elapsed since the last payment-related user operation in the payment application was performed, it is highly likely that the user performed the operation with the intention of making the payment, so it is reasonable to skip the authentication process.

In addition, the "set time zone" in the authentication skip condition of condition No "SP1-2" can be a concept including a specific day of the week and a specific date. As a non-limiting example, as a specific day of the week, Saturday or Sunday may be set or the like. This is because, on Saturdays and Sundays, there are many users who go out for shopping or meals, and the number of opportunities to make a payment tends to increase. Moreover, as a specific date, you may set Christmas (including Christmas Eve), the holiday of New Year's Day, Golden Week, and the like. At Christmas, many users go out to buy gifts or have dinner. Also, during the Lunar New Year holiday, many users go out as a Lunar New Year gift. Also, during Golden Week, many users go out for vacations. For this reason, it is thought that the opportunity for which a settlement is performed each will increase.

In addition, a risk such that the terminal 20 user purchases a high-priced product by means of a third party for his/her terminal 20 and exchanges the product may be considered. Therefore, as a non-limiting example, it is also possible to add an authentication skip condition that "the store to be paid is not a store that sells a product with high liquidity". A product with high liquidity is, for example, a product such as jewelry or a wristwatch, and when payment is scheduled to be performed at a store (such as a silver and silver shop or a watch shop) that sells such products, the terminal 20 skips the authentication process you can avoid doing it.

In addition, an authentication skip condition related to weather or climate may be added. For example, on a rainy or snowy day, since the number of users using public transportation increases, the risk of losing the terminal 20 increases. For this reason, as a non-limiting example, an authentication skip condition "the weather of the day is not rain or snow" may be added so that the authentication process is not skipped on a rainy day or a snowy day.

<Effect of the sixth modification (3)>

As an example of the effect obtained by this modification, the terminal is not only within the set time from the date and time when the authentication for payment was last performed at the time of payment by electronic money, but also when authentication of a different kind from authentication for payment was last performed. Even if it is within a set time from the date and time, the user's convenience can be further improved by not displaying the authentication execution.

In addition, in the case of payment by electronic money, when within a set time from the date and time when the deposit of electronic money was last performed, or within a set time from the date and time when an operation related to payment in the application was last performed, the execution of authentication By not displaying related information, the user's convenience can be further improved.

In addition, in the case of a specific day of the week or a specific date, the user's convenience can be further improved by not displaying the authentication execution.

In addition, by not performing display processing related to the execution of authentication for the terminal user based on the information in consideration of the user's risk, it is possible to realize appropriate settlement in consideration of the balance between user convenience and risk.

<Sixth Modification (4)>

In the sixth embodiment, since the terminal 20 cannot acquire information about the product to be purchased, the authentication skip condition of "SP4 (product)" is not applicable. For example, in the following method can be made applicable by

Specifically, by way of example and not limitation, an imaging device (or imaging) such as a camera (hereinafter referred to as "application camera") provided as a function of a payment application or a camera 27 provided as a function of the terminal 20 Based on the photographed image captured by the unit), software for enabling identification of the type of product is stored in the storage unit 28 of the terminal 20 in advance.

The terminal 20 activates the application camera or the camera 27 according to a user operation to photograph an image of a product to be purchased. That is, the user of the terminal 20 takes an image of the product to be purchased with the application camera or the camera 27 by the code register 60 of the store. Then, the terminal 20 performs product type identification processing for identifying the type of product from the photographed image.

9-7 is a diagram showing an example of authentication skip condition data 2837 in this case. This data structure is the same as that of the authentication skip condition data 2837 in Fig. 9-5, except that the portion surrounded by a black border is different.

Specifically, with respect to the authentication skip condition in which "the product to be purchased is a daily consumer product" of condition No. "SP4-1", "○" is determined as to whether or not to apply. This is because, by using the above method, since it becomes possible to identify the type of product in the terminal 20, it is possible to determine whether or not the product to be purchased is a daily consumption product based on the identified type of product. In addition, as an example, "B" is determined as the degree of importance.

In addition, with respect to the authentication skip condition of "there is a purchase history of the product to be purchased" of condition No. "SP4-2", "○" is determined for whether to apply or not. Since it is possible to identify the type of product in the terminal 20 by using the above method, by storing the history of the identified product type in the storage unit 28, the purchase history of the product to be purchased is saved. Because you can decide whether or not there is. In addition, as an example, "B" is determined as the degree of importance.

In addition, as described above, in addition to taking an image of the product to be purchased with the camera of the terminal 20, for example, a camera is provided in the store code reader device 50, and the store code reader device 50 It is also possible to shoot an image of the product to be purchased by the user of the terminal 20 with the camera of the terminal 20 .

In this case, as an example, not limitation, the type of the product to be purchased is identified based on a photographed image captured by the store code reader device 50 with a camera. Then, the identified type information of the product to be purchased may be transmitted to the terminal 20 .

In addition, as another method, the store code reader device 50 transmits the data of the photographed image photographed by the camera to the terminal 20 . Also, the terminal 20 may identify the type of product to be purchased based on the data of the photographed image received from the store code reader device 50 .

In this case, for example, even when communication cannot be performed by the above-described first communication method, when communication is possible by the second communication method, information and data relating to the product are stored by the second communication method. It can be transmitted from the code reader device 50 to the terminal 20 . Alternatively, if a short-range wireless communication method such as Bluetooth or infrared communication can be used, information and data regarding the product can be transmitted from the store code reader device 50 to the terminal 20 by these communication methods.

<Effect of the sixth modification (4)>

In this modified example, the information other than the authentication password mentioned above has shown the structure which includes the information (not limited, but an example of information about a product) of the product sold in a store.

As an example of the effect obtained by such a configuration, since the terminal does not need to perform display processing related to the execution of authentication for the terminal user based on information about the product, the processing load of the terminal can be reduced.

In addition, in this modification, the terminal 20 acquires the photographed image of the product to be purchased taken by the application camera of the terminal 20 or the camera 27 (not limited to, but is an example of an imaging device), and the acquired A configuration in which authentication processing is not performed based on the captured image is shown.

As an example of the effect obtained by such a configuration, since the terminal does not display the execution of authentication based on the image of the product photographed by the imaging device, the processing load of the terminal can be reduced. For example, when a product identified from an image captured by the imaging device is a product with a purchase history in the past or a specific type of product, by not displaying the execution of authentication, the user's Convenience can be improved.

In addition, in this modification, the information other than the above-mentioned authentication password has shown the structure which includes the information (not limited, but an example of information about the product which the terminal user purchases) of the product to be purchased.

As an example of the effect obtained by such a configuration, since the terminal does not need to perform display processing related to the execution of authentication for the terminal user based on information about the product purchased by the terminal user, the processing load of the terminal can be reduced. can

In addition, this modification has shown the structure which acquires the information of the purchase schedule of the user of the terminal 20, and does not perform an authentication process, when it is determined that there is a purchase history of a purchase schedule product.

As an example of the effect obtained by such a configuration, when the product matches the product purchased by the terminal user at least once, the terminal does not display the authentication execution, so that the processing load of the terminal can be reduced. . In addition, since the risk is considered to be low when purchasing the same product, the user's convenience can be improved while ensuring safety without displaying the authentication execution.

In addition, this modified example has shown the structure which does not perform an authentication process when information of the purchase scheduled product of the terminal 20 user is acquired and it is determined that the purchase schedule product is a daily consumption product.

As an example of the effect obtained by such a configuration, since the terminal does not display the execution of authentication when the product the user purchases is a daily consumer product, the processing load of the terminal can be reduced. Moreover, since it is considered that the risk is low when purchasing consumer goods for daily use, by not displaying the authentication execution, the user's convenience can be improved while ensuring safety.

In addition, in addition to the above, as a method of identifying a product or a type of the product purchased by the terminal 20 by the terminal 20 , as an example, not limitation, a method using contactless communication may be applied.

Specifically, by way of example and not limitation, an RF tag (eg, an IC tag) in which product identification information or product type identification information is stored is embedded for each product or product type sold in a store. Moreover, the terminal 20 is equipped with the reader/writer corresponding to the RF tag. Then, the terminal 20 scans the RF tag embedded in the product purchased by the user with radio waves, and obtains product identification information or product type identification information stored in the RF tag, thereby identifying the product or the product type that the user purchases. do.

<Seventh embodiment>

When offline payment is made, if the terminal 20 does not receive a payment completion notification for the terminal from the server 10 after returning to the online state, the user of the terminal 20 cannot know that the payment has been successfully made. For this reason, for example, by receiving a store payment completion notification from the server 10 by the store code reader device 50, a malicious store employee, etc. It is also conceivable to orally point out to the user of the terminal 20 that an error has occurred, for example, to commit a fraud forcing payment in cash.

The contents described in the seventh embodiment are applicable to any of the other respective embodiments or each other modified examples.

In addition, the same code|symbol is attached|subjected about the same component as the component of a previous writing, and re-explanation is abbreviate|omitted.

Fig. 10 is a flowchart showing an example of a processing flow executed by each apparatus in the present embodiment. In order from the left, the third payment application processing, which is an example of the payment application processing executed by the control unit 21 of the terminal 20, is an example of the store payment processing executed by the control unit 51 of the store code reader device 50 The 2nd store settlement process and the 1st settlement management process which are an example of the settlement management process which the control part 11 of the server 10 performs are respectively shown.

The flowchart of FIG. 10 is an addition of the step B390 to the flowchart of FIGS. 4-12.

In B280, upon receiving a payment completion notification for in-store use from the server 10 via the communication I/F 54, the control unit 51 performs payment completion confirmation notification processing (B390). Specifically, for example, a sound indicating that payment has been completed (successful) or a certain sound effect (eg, the sound of a chime "ping-pong" or the sound of cash register "charin") is output from the sound output unit 56 . In this way, the user of the terminal 20 can confirm that the payment has been completed safely by the sound output from the store code reader device 50 .

Also, the control unit 51 may cause the display unit 53 to display a payment completion confirmation screen including a message indicating that the payment has been completed (successful). In this case, by way of example and not limitation, the store side prepares a payment completion confirmation screen unique to the store, and when the payment is completed, it is obligatory to present the payment completion confirmation screen to the customer. By doing in this way, the user of the terminal 20 can confirm that the payment has been completed safely by the screen displayed on the store code reader device 50 .

In addition, instead of displaying the payment completion confirmation screen on the display unit 53 of the store code reader device 50 , as an example not limiting, it is integrated with the code register 60 or integrated with the code register 60 It is provided separately, and you may make it display the payment completion confirmation screen on the display which faced the display surface on the customer side, and it is not necessary to do so.

<Effect of the seventh embodiment>

According to the seventh embodiment, for example, since the store side notifies the user of the terminal 20 that an offline payment has been made, it is possible to prevent fraud on the store side and improve the user's convenience.

<Eighth embodiment>

The eighth embodiment is an embodiment related to a countermeasure for a case where there is a questionable point in the result of offline payment.

The contents described in the eighth embodiment are applicable to any of the other respective embodiments or each other modified examples.

In addition, the same code|symbol is attached|subjected about the same component as the component of a previous writing, and re-explanation is abbreviate|omitted.

11-1 is a diagram showing a configuration example of the payment management database 157B, which is an example of the payment management database 157 stored in the storage unit 15 of the server 10 in the present embodiment.

The payment management database 157B stores payment management data generated for each terminal 20 or each user of the terminal 20 .

In each payment management data, by way of example and not limitation, in addition to application ID, balance, points, daily limit setting amount, automatic recharging setting, and payment history data, credit scores are stored.

The credit score represents the social credit of the user of the terminal 20 as a numerical value or ranking.

The credit score is, by way of example and not limitation, calculated based on the terminal 20 user's payment performance, age, work type, annual salary, and the like, and is updated frequently.

As a non-limiting example, the credit score is digitized in a score system of "0" to "100", and the credit score of "100" is the highest social credit of the user, and the credit score of "0" is the user's social It can be made to indicate that the credit is the lowest.

11-2 is a diagram showing a configuration example of the code management data 159B which is an example of the code management data 159 stored in the storage unit 15 of the server 10 in the present embodiment.

In the code management data 159B, the code generation date and time, the application ID, and the payment number are associated with each other, and are stored in time series by way of example and not limitation.

In the present embodiment, after the server 10 performs payment processing in an offline state, it determines the credit score stored in the payment management data in association with the application ID. And, as an example, and not limitation, when the determined credit score is less than or equal to a set threshold score (or less than a predetermined threshold score), a payment confirmation notification is provided to the terminal 20 user to confirm whether the payment is wrong or not. (20) is sent. After returning to the online state, the terminal 20 receives this payment confirmation notification.

Moreover, in this case, based on the relationship between a credit score and a settlement amount, you may make it change the said threshold score, and it is not necessary to do so. Specifically, as an example without limitation, as the amount of payment increases, the threshold score is increased to make it easier to transmit a payment confirmation notification to the terminal 20 . Conversely, the smaller the payment amount, the lower the credit score, making it difficult to transmit the payment confirmation notification to the terminal 20 .

Moreover, after the server 10 performs payment processing in an offline state, it refers to the code management data 159B, and determines the code generation date and time stored in association with the application ID and payment number which performed the payment processing. And, as an example and not limitation, when the elapsed time from the determined code generation date and time to the date and time when payment processing is performed is equal to or greater than a set threshold time (or exceeding the threshold time), the user of the terminal 20 determines whether the payment is wrong A payment confirmation notification for confirmation is transmitted to the terminal 20 . After returning to the online state, the terminal 20 receives this payment confirmation notification.

Moreover, in this case, you may make it change the said threshold time based on the relationship between an elapsed time and a settlement amount, and it is not necessary to do so. Specifically, as an example without limitation, as the amount of payment increases, the threshold time is shortened so that the payment confirmation notification is easily transmitted to the terminal 20 . Conversely, the smaller the payment amount, the longer the threshold time, making it difficult for the payment confirmation notification to be transmitted to the terminal 20 .

Upon receiving the payment confirmation notification, the control unit 21 of the terminal 20 displays the received payment confirmation notification on the display unit 24 by way of example and not limitation. In this case, the user of the terminal 20 checks the contents of the payment confirmation notification, and confirms whether the payment is appropriate by the user. And, when it is determined that the payment is not appropriate, the server 10 uses the own terminal 20 to contact the server 10 regarding objection to the payment.

<Effect of the eighth embodiment>

According to the eighth embodiment, when an offline payment is made by the server, the terminal returns to the online state based on the fact that the condition is satisfied, and then receives and notifies the server with information about payment confirmation. Accordingly, the terminal user can check whether there are any suspicious points in the payment. In addition, if there is any doubt, the user can raise an objection using his/her terminal.

1: communication system, 10: server, 20: terminal, 30: network, 40: store POS system, 50: store code reader device, 60: code register 70: store server

Claims (51)

An information processing method of a terminal that executes processing related to the payment based on first information for performing payment by a code image, the information processing method comprising:
Receiving the first information transmitted from the server through the communication unit of the terminal;
and storing the received first information in the storage unit of the terminal by the control unit of the terminal;
Displaying a first code image based on the first information and time information on a display area of the terminal,
the visual information includes visual information based on display of the first code image in the display area;
the payment is executed by the server based on the first information and the time information received by the server based on the display of the first code image;
How we process your information. The method of claim 1,
The first code image includes a second code image based on the first information displayed in a first area of the display area and a third code image based on the visual information displayed in a second area of the display area containing,
How we process your information. The method of claim 1,
The first code image is one code image based on the first information and the visual information,
How we process your information. 4. The method according to any one of claims 1 to 3,
The payment is performed by sending the first information and the time information to the server based on the first code image being read by the code reading device, and by the server based on the first information and the time information run,
How we process your information. 5. The method of claim 4,
the payment is executed by the server based on the time information and time information based on the reading of the first code image by the code reading device;
How we process your information. 6. The method of claim 5,
the payment is executed by the server when the time information and time information based on the reading of the first code image by the code reading device are within an expiration date set by the server;
How we process your information. 7. The method according to any one of claims 1 to 6,
Comprising performing settings related to automatic adjustment of the time of the terminal,
The first code image is displayed in the display area based on the setting related to the automatic adjustment,
How we process your information. 7. The method according to any one of claims 1 to 6,
Comprising acquiring information about the reference time from the server by the control unit,
The time information is information based on the information on the reference time,
How we process your information. 9. The method according to any one of claims 1 to 8,
receiving, through the communication unit, second information different from the first information on the basis of the completion of the payment based on the first information;
Including storing the received second information in the storage unit,
How we process your information. 10. The method of claim 9,
Based on the communication status of the communication unit, comprising transmitting the second information through the communication unit,
How we process your information. 11. The method of claim 10,
When communication by the communication unit is performed, it includes transmitting information for acquiring the second information to the server through the communication unit,
How we process your information. 11. The method of claim 10,
The second information is transmitted by push from the server,
How we process your information. 13. The method according to any one of claims 1 to 12,
Receiving, through the communication unit, second information different from the first information based on the terminal user's input regarding the update of the balance of electronic money usable for payment;
Including storing the received second information in the storage unit,
How we process your information. 14. The method according to any one of claims 1 to 13,
Including displaying the balance information of electronic money usable for the payment in the display area,
How we process your information. 15. The method of claim 14,
receiving the balance information from the server through the communication unit by the control unit based on the communication status of the communication unit;
Including displaying the received balance information in the display area,
How we process your information. 16. The method according to claim 14 or 15,
Displaying information on a date on which the balance information is displayed on the display area or information on a time when the balance information is displayed on the display area on the display area,
How we process your information. 17. The method according to any one of claims 14 to 16,
based on an input related to the correction of the balance information, comprising correcting the balance displayed in the display area;
How we process your information. 18. The method according to any one of claims 14 to 17,
and displaying, on the display area, a display for updating the balance information in response to the terminal user's input.
How we process your information. The method of claim 1,
Displaying the balance information of electronic money usable for the payment in the display area;
displaying, on the display area, a display for updating the balance information according to the terminal user input;
displaying the first code image in a third area of the display area and displaying the balance information in a fourth area of the display area;
updating the balance information displayed in the fourth area while the first code image is displayed in the third area based on an input by the terminal user to the display for performing updating of the balance information containing,
How we process your information. 20. The method according to any one of claims 1 to 19,
acquiring information about the terminal user by the control unit;
executing, by the control unit, a process for authenticating the user based on the acquired information about the terminal user;
Based on the processing for authenticating the user, comprising executing the processing related to the payment by the control unit,
How we process your information. 21. The method according to any one of claims 1 to 20,
acquiring information for skipping a process related to authentication of the terminal user by the control unit;
When the information for skipping is acquired, the process related to the authentication of the terminal user is skipped and the first code image is displayed on the display area, and when the information for skipping is not acquired, the authentication of the terminal user and displaying the first code image on the display area by performing related processing.
How we process your information. A program executed by a computer of a terminal that executes processing related to the payment on the basis of first information for performing a payment by a code image, comprising:
Receiving the first information transmitted from the server through the communication unit of the terminal;
storing the received first information in a storage unit of the terminal;
Displaying a first code image based on the first information and visual information on a display area of the terminal,
the visual information includes visual information based on display of the first code image in the display area;
the payment is executed by the server based on the first information received by the server based on the display of the first code image and the time information;
program. A terminal that executes processing related to the payment based on first information for performing payment by a code image, comprising:
a communication unit for receiving the first information transmitted from a server;
a control unit that controls storing the received first information in a storage unit of the terminal;
A display unit for displaying a first code image based on the first information and visual information,
the time information includes time information based on display of the first code image on the display unit;
the payment is executed by the server based on the first information and the time information received by the server based on the display of the first code image;
terminal. A terminal that executes processing related to the payment based on first information for performing payment by a code image, comprising:
A processor that reads the program from a memory storing the program and executes processing based on the program,
The processor is
Receiving the first information transmitted from the server through the communication unit of the terminal;
storing the received first information in a storage unit of the terminal;
displaying a first code image based on the first information and visual information on a display area of the terminal;
the visual information includes visual information based on display of the first code image in the display area;
the payment is executed by the server based on the first information and the time information received by the server based on the display of the first code image;
terminal. An information processing method of a server executing the payment of a terminal that performs processing related to the payment based on first information for performing payment by a code image, comprising:
transmitting the first information to the terminal through the communication unit of the server;
the first information displayed in the display area of the terminal and the first code image based on visual information being read by the code reading device, the first code image transmitted from the code reading device Receiving the first information and the time information through the communication unit;
making the payment based on the first information and the time information and time information based on the reading of the first code image by the code reading device;
the time information includes information of a time based on the display of the first code image in the display area;
How we process your information. An information processing method of a terminal that executes processing related to the payment based on first information for performing payment by a code image, the information processing method comprising:
Receiving the first information transmitted from the server through the communication unit of the terminal;
storing the received first information in the storage unit of the terminal by the control unit of the terminal;
Displaying a first code image based on the first information and second information different from the first information on a display area of the terminal,
the payment is executed by the server based on the first information and the second information received by the server based on the display of the first code image;
How we process your information. 27. The method of claim 26,
The first code image includes a second code image based on the first information displayed in a first area of the display area, and a third code image based on the second information displayed in a second area of the display area. containing images;
How we process your information. 27. The method of claim 26,
The first code image is one code image based on the first information and the second information,
How we process your information. 29. The method according to any one of claims 26 to 28,
In the payment, the first information and the second information are transmitted to the server based on the first code image being read by a code reading device, and the server based on the first information and the second information run by,
How we process your information. 30. The method of claim 29,
wherein the payment is executed by the server based on the second information and third information associated with the first information and stored in the server;
How we process your information. 31. The method of claim 30,
The payment is executed by the server when the second information and the third information match,
How we process your information. 32. The method according to any one of claims 26 to 31,
The second information is transmitted from the server,
How we process your information. 33. The method of claim 32,
The second information is code information different from the first information,
How we process your information. 32. The method according to any one of claims 26 to 31,
The second information is identification information for identifying the terminal or the terminal user,
How we process your information. 35. The method according to any one of claims 26 to 34,
receiving, through the communication unit, fourth information for performing payment by a code image, different from the first information, on the basis of completion of the payment based on the first information;
Including storing the received fourth information in the storage unit,
How we process your information. 36. The method of claim 35,
Based on the communication status of the communication unit, comprising receiving the fourth information through the communication unit,
How we process your information. 37. The method of claim 36,
When communication by the communication unit is performed, including transmitting information for acquiring the fourth information to the server through the communication unit,
How we process your information. 37. The method of claim 36,
The fourth information is transmitted by push from the server,
How we process your information. 35. The method according to any one of claims 26 to 34,
On the basis of an input by the terminal user regarding the update of the balance of electronic money usable for the payment, fourth information different from the first information for performing payment by a code image is received through the communication unit doing and
Including storing the received fourth information in the storage unit,
How we process your information. 40. The method according to any one of claims 26 to 39,
Including displaying the balance information of electronic money usable for the payment in the display area,
How we process your information. 41. The method of claim 40,
receiving the balance information from the server through the communication unit by the control unit based on the communication status of the communication unit;
Including displaying the received balance information in the display area,
How we process your information. 42. The method of claim 40 or 41,
and displaying information on a date on which the balance information is displayed on the display area or information on a time when the balance information is displayed on the display area on the display area,
How we process your information. 43. The method according to any one of claims 40 to 42,
based on an input related to the correction of the balance information, comprising correcting the balance displayed in the display area;
How we process your information. 44. The method according to any one of claims 40 to 43,
and displaying, on the display area, a display for updating the balance information in response to the terminal user's input.
How we process your information. 27. The method of claim 26,
Displaying the balance information of electronic money usable for the payment in the display area;
displaying an indication for updating the balance information in the display area according to the terminal user input;
displaying the first code image in a third area of the display area and displaying the balance information in a fourth area of the display area;
and updating the balance information displayed in the fourth area, while the first code image is displayed in the third area, based on the terminal user's input for display for updating the balance information. doing,
How we process your information. 46. The method according to any one of claims 26 to 45,
acquiring information about the terminal user by the control unit;
executing, by the control unit, a process for authenticating the user based on the acquired information about the terminal user;
Based on the processing for authenticating the user, comprising executing the processing related to the payment by the control unit,
How we process your information. 47. The method according to any one of claims 26 to 46,
acquiring information for skipping a process related to authentication of the terminal user by the control unit;
When the information for skipping is acquired, the process related to the authentication of the terminal user is skipped and the first code image is displayed on the display area, and when the information for skipping is not acquired, the authentication of the terminal user and displaying the first information on the display area by performing related processing.
How we process your information. A program executed by a computer of a terminal that executes processing related to the payment on the basis of first information for performing a payment by a code image, comprising:
Receiving the first information transmitted from the server through the communication unit of the terminal;
storing the received first information in a storage unit of the terminal;
Displaying a first code image based on the first information and second information different from the first information on a display area of the terminal,
the payment is executed by the server based on the first information and the second information received by the server based on the display of the first code image;
program. A terminal that executes payment-related processing based on first information for performing payment by a code image, comprising:
a communication unit for receiving the first information transmitted from a server;
a control unit that controls storing the received first information in a storage unit of the terminal;
A display unit configured to display a first code image based on the first information and second information different from the first information,
the payment is executed by the server based on the first information and the second information received by the server based on the display of the first code image;
terminal. A terminal that executes payment-related processing based on first information for performing payment by a code image, comprising:
A processor that reads the program from a memory in which the program is stored and executes processing based on the program,
The processor is
Receiving the first information transmitted from the server through the communication unit of the terminal;
storing the received first information in a storage unit of the terminal;
displaying a first code image based on the first information and second information different from the first information on a display area of the terminal;
the payment is executed by the server based on the first information and the second information received by the server based on the display of the first code image;
terminal. An information processing method of a server executing the payment of a terminal that performs processing related to the payment based on first information for performing payment by a code image, comprising:
transmitting the first information to the terminal through the communication unit of the server;
transmitted from the code reading device, based on the first code image based on the first information displayed in the display area of the terminal and second information different from the first information, being read by the code reading device; Receiving the first information and the second information based on a first code image through the communication unit;
performing the payment based on the first information and the second information and third information stored in a storage unit of the server and associated with the first information,
How we process your information.

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