WO2020017660A1 - Système informatique pour prendre en charge le paiement de produits ou de services, dispositif serveur utilisé dans ledit système informatique et programme exécuté sur ledit dispositif serveur - Google Patents

Système informatique pour prendre en charge le paiement de produits ou de services, dispositif serveur utilisé dans ledit système informatique et programme exécuté sur ledit dispositif serveur Download PDF

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Publication number
WO2020017660A1
WO2020017660A1 PCT/JP2019/028678 JP2019028678W WO2020017660A1 WO 2020017660 A1 WO2020017660 A1 WO 2020017660A1 JP 2019028678 W JP2019028678 W JP 2019028678W WO 2020017660 A1 WO2020017660 A1 WO 2020017660A1
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Prior art keywords
service
product
user device
provider
server device
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PCT/JP2019/028678
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English (en)
Japanese (ja)
Inventor
拓也 栗山
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Ｋａｅｖｅ株式会社
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Publication of WO2020017660A1 publication Critical patent/WO2020017660A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices

Definitions

  • the present invention relates to a computer system for supporting settlement of goods or services, a server device used in the computer system, and a program executed in the server device.
  • a device for example, a QR code (registered trademark) for realizing the smartphone payment system is read.
  • QR code registered trademark
  • the applicant does not need a device for realizing a payment system using a user device such as a smartphone, that is, an initial capital investment for introducing a payment system using a user device such as a smartphone. It is thought that a computer system that enables introduction of a payment system using a user device such as a smartphone without the need for a computer is required.
  • the present invention is a computer system that enables a payment system using a user device such as a smartphone to be introduced without requiring initial capital investment for introducing a payment system using a user device such as a smartphone, It is an object to provide a server device used in the computer system and a program executed in the server device.
  • the server device of the present invention is a server device for supporting settlement of goods or services, and the server device is configured to be able to communicate with at least one user device, The server device is to receive a payment request from the user device, requesting payment of the product or service, wherein the product or service is provided by a provider of the product or service, and the user device One of the user devices, and that information from the user device to identify the provider, and based on the information to identify the provider, the product or Executing a process for settling the service.
  • the information for identifying the provider includes location information of the user device, and executing a process for settling the product or service includes determining a location of the user device. It may be performed based on information.
  • the server device is connected to a provider database unit that stores information about at least one provider, and the information about the at least one provider is Including the location information, performing the process for settling the product or service based on the information for specifying the provider, based on the location information of the user device and the location information of the provider Determining whether the user device is located within a predetermined range from the provider; and determining that the user device is located within a predetermined range from the provider. And executing a process for settling the product or service.
  • the information for specifying the provider includes image data for specifying the provider, and executing a process for settling the product or service includes: It may be executed based on image data for specifying a provider.
  • the server device is connected to a product / service database storing information on at least one product or service, and the information on the at least one product or service is Including information indicating the price of the product or service, the server device receives the image data representing the product or service from the user device and identifies the product or service by analyzing the image data And acquiring information indicating the price of the specified product or service by searching the product / service database unit to settle the product or service. Processing indicates the price of the specified goods or services. It may be performed based on the information.
  • the information for specifying the provider includes the image data including the location information of the user device, and the process for settling the product or service is performed by the user device. It may be executed based on the position information.
  • the server device is configured to further execute receiving information indicating a price of the product or service from the user device, and a process for settling the product or service is performed. May be executed based on information indicating a price of the product or service received from the user device.
  • the server device generates a valid password, notifies the password to the employee of the provider, and notifies the employee of the provider of the password.
  • displaying a screen for inputting the password on the user device receiving the password from the user device, and responding to the reception of the password, the password is valid. It is configured to further execute determining whether or not there is, and the process for settling the product or service may be executed when it is determined that the password is valid.
  • the server device is configured to be able to communicate with the terminal of the provider, and notifying the employee of the provider of the password includes transmitting the password to the terminal. May be output.
  • the password may include a one-time password that is valid for one-time use or a timed password that is valid only within a predetermined time.
  • a program of the present invention is a program executed in a server device for supporting settlement of goods or services, and the server device is configured to be able to communicate with at least one user device.
  • the server device includes a processor unit, wherein the program, when executed by the processor unit, receives from the user device a settlement request for requesting settlement of the product or service, Or, a service is provided by a provider of the product or service, and the user device is one of the at least one user device, and information for identifying the provider is provided by the user device. And based on the information for identifying the provider, the product or To at least perform and performing a process for settle-bis causes the processor unit.
  • a computer system of the present invention is a computer system for supporting settlement of goods or services, wherein the computer system includes a server device and at least one user device, The device is configured to be communicable with the at least one user device, wherein the user device receives a user input for requesting payment for the product or service, and wherein the product or service is associated with the product or service.
  • the user device is one of the at least one user device
  • the user device sends a payment request to request payment of the goods or services to the server device
  • the server device receives the payment request from the user device
  • the user device transmits information for specifying the provider to the server device
  • the server device receives information for specifying the provider from the user device
  • the server device performs A process for settling the product or service is executed based on the information for specifying the source.
  • the user device is configured to be able to acquire the location information of the user device, and the information for specifying the provider is the location of the user device. Executing a process for settling the product or service, including information, may be executed based on location information of the user device.
  • the server device is connected to a provider database unit that stores information about at least one provider, and the information about the at least one provider is Including the location information, performing the process for settling the product or service based on the information for specifying the provider, based on the location information of the user device and the location information of the provider Determining whether the user device is located within a predetermined range from the provider; and determining that the user device is located within a predetermined range from the provider. And executing a process for settling the product or service.
  • the user device is configured to be capable of generating image data
  • the information for specifying the provider is an image for specifying the provider. Executing a process for settling the product or service including data may be executed based on image data for specifying the provider.
  • the server device is connected to a product / service database storing information on at least one product or service, and the information on the at least one product or service is Including information indicating the price of a product or service
  • the user device generates image data representing the product or service
  • the user device transmits the image data to the server device
  • the server device Receiving the image data from the user device
  • the server device specifies the product or service by analyzing the image data
  • the server device searches the product / service database unit, Obtaining information indicating the price of the specified product or service, Or processing for settlement services may also be performed based on the information indicating the price of a particular product or service.
  • the information for specifying the provider includes the image data including the location information of the user device, and the process for settling the product or service is performed by the user device. It may be executed based on the position information.
  • the user device receives a user input of the price of the product or service, and the user device indicates the user input of the price of the product or service indicating the price of the product or service.
  • the information is transmitted to the server device as information, the server device receives information indicating the price of the product or service from the user device, and the process for settling the product or service is received from the user device. It may be executed based on information indicating the price of the product or service.
  • the server device is configured to generate a valid password, and to notify the password to an employee of the provider
  • the server device includes: In response to notifying the employee of the provider of a password, a screen for inputting the password is displayed on the user device, and the user device displays a screen for inputting the password,
  • the user device receives a user input of the password
  • the user device transmits the password to the server device in response to the user input of the password
  • the server device transmits the password from the user device.
  • Receiving the password the server device determines whether the password is valid in response to receiving the password, Process for settle goods or services, if the password is determined to be valid, it may be performed.
  • the computer system further includes the terminal of the provider, the server device is configured to be able to communicate with the terminal, and the password of the employee of the provider is provided. May include causing the terminal to output the password.
  • the password may include a one-time password that is valid for one-time use or a timed password that is valid only within a predetermined time.
  • a payment system using a user device such as a smartphone without requiring initial capital investment for introducing a payment system using a user device such as a smartphone. It is possible to provide a system, a server device used in the computer system, and a program executed in the server device.
  • FIG. 3 is a diagram illustrating an example of a flow of processing executed in the computer system 200
  • FIG. 1 is a conceptual diagram for explaining a method of using a payment service using a user device.
  • FIG. 1A is a conceptual diagram for explaining a conventional method of using a payment service using a user device
  • FIG. 1B is a diagram illustrating a new method of using a payment service using a user device.
  • FIG. 1A is a conceptual diagram for explaining a conventional method of using a payment service using a user device
  • FIG. 1B is a diagram illustrating a new method of using a payment service using a user device.
  • a system that allows a user device to settle payment by reading a QR code (registered trademark) displayed on a display device of a service provider is used.
  • a provider of the product or the service requires a device for reading the QR code (registered trademark) or a QR code (registered trademark). It is necessary to prepare in advance devices for displaying (Trademark), and initial capital investment was required when preparing these devices in advance.
  • a user performs a simple operation using a user device without using a device that provides a product or service (for example, a user device).
  • a device that provides a product or service for example, a user device.
  • the provider can introduce a settlement system using the user device without requiring initial capital investment. It is possible.
  • the provider of the product or service may use a password output from a device of the provider of the product or service (for example, a telephone or a fax machine provided in advance) for the purpose of, for example, improving the security of settlement. It may be.
  • the source of the product or service may be a fixed location where the product or service is provided (eg, a store, a beauty salon, a post office), or a fixed location where the product or service is provided. They may not be available (for example, a stall, a flea market, a theater company performance hall, and a concert hall).
  • the provider of the product or service may be a business owner, an organizer, a manager, or the like of providing the product or service.
  • FIG. 2 shows an example of a configuration of a computer system 200 for realizing a new use method of a settlement service using a user device.
  • the computer system 200 is a system for supporting settlement of goods or services.
  • the computer system 200 includes at least one user device 210 1 to 210 N and a server device 220. At least one of the user devices 210 1 to 210 N is configured to be able to communicate with the server device 220 via the Internet 230.
  • the database unit 240 is connected to the server device 220.
  • the computer system 200 may further include at least one terminal 250 1 to 250 M that provides a product or service.
  • M and N are integers of 1 or more.
  • the user device 210 1 includes an interface unit 211 for controlling communications over the Internet 230, a processor unit 212 which includes one or more CPU (Central Processing Unit), a memory unit 213, an input unit and a display unit 214 such as a touch panel display, a camera 215 having a photographing function, and a position information 216 for acquiring current location information of the user apparatus 210 1.
  • a position information device 216 may be a GPS (Global Positioning System) device, but is not limited thereto. Note that, instead of the input / cum-display unit 214, the input unit and the display unit may have separate configurations.
  • the user device 210 1 may be configured to be able to recognize a user's voice by a voice recognition unit (not shown) of the user device 210 1 . At least a portion of the material of the user device 210 1 may be made of CELUMIX Corporation. Further, the configuration of the user devices 210 2 to 210 N is the same as the configuration of the user device 210 1 , and thus the description thereof is omitted here.
  • the interface unit 211 controls communication with the server device 220.
  • the program may be preinstalled in the memory unit 213.
  • the program may be installed in the memory unit 213 by being downloaded via a network such as the Internet 230, or may be installed in the memory unit 213 via a storage medium such as an optical disk or a USB. You may do so.
  • the processor unit 212 reads out a program stored in the memory unit 213 and executes the program. Accordingly, the user device 210 1, can function as a client device constituting a part of a computer system 200.
  • the user device 210 1 can access the Web site using the Web browser built program or additional programs in the memory 213 is pre-installed. In this case, the user device 210 1, without installing an application program in the memory unit 213, it is possible to use the service on the Web browser.
  • the processor unit 212 controls the user equipment 210 1 overall operation.
  • the processor unit 212 reads out a program stored in the memory unit 213 and executes the program.
  • the server device 220 is configured to be able to support settlement of goods or services provided by a provider of goods or services.
  • the server device 220 is an information processing device operated and managed by an administrator of the payment service (for example, an operating company or a responsible person of the payment service).
  • the server device 220 is, for example, a workstation or a personal computer, and has a general hardware configuration as a server.
  • the hardware configuration of the server device 220 is not particularly limited as long as the function can be realized, and may be configured by a single machine or a combination of a plurality of machines.
  • the server device 220 includes an interface unit 221 that controls communication via the Internet 230, a processor unit 222 including one or more CPUs (Central Processing Units), and a memory unit 223.
  • At least one of the terminals 250 1 to 250 M is an electronic device that provides a product or service.
  • the at least one terminal 250 1 to 250 M may be, for example, a telephone or a fax machine, and the at least one terminal 250 1 to 250 M may be configured to output, for example, a password.
  • the password may be output as a voice.
  • the terminals 250 1 to 250 M is a fax machine, The password may be printed out.
  • the database unit 240 includes a user database unit 241, a provider database unit 242, a product / service database unit 243, and a password database unit 244.
  • At least one of the user devices 210 1 to 210 N can communicate with the server device 220 via the Internet 230, but the present invention is not limited to this. Any type of network can be used instead of the Internet 230.
  • the database unit 240 is provided outside the operator service providing system 220, but the mode is not limited.
  • the database unit 240 may be configured as a single external hard disk device of the server device 220, or may be configured as a storage on a cloud connected via a network.
  • the database unit 240 can be provided inside the server device 220.
  • the configuration of the database unit 240 is not limited to a specific hardware configuration.
  • the database unit 240 may be configured by a single hardware component, or may be configured by a plurality of hardware components.
  • the database unit 240 may be constructed using a distributed ledger technology such as a blockchain or a distributed network.
  • each database unit included in the database unit 240 is not limited to a specific hardware configuration.
  • each database unit included in the database unit 240 may also be configured by a single hardware component, or may be configured by a plurality of hardware components.
  • each database unit included in the database unit 240 may also be constructed using a distributed ledger technology such as a blockchain or a distributed network.
  • FIG. 3A shows an example of the configuration of information stored in the user database unit 241.
  • the user database 241 stores information about the user. Information about the user can be identified by information (user ID) for identifying the user.
  • the user database unit 241 further stores, for example, the user's name, gender, date of birth, address, telephone number, e-mail address, account information (eg, bank name, account number, password), and the like.
  • FIG. 3B shows an example of the configuration of information stored in the provider database section 242.
  • the provider database 242 stores information on the provider of the product or service.
  • Information on the provider of the product or service can be identified by information (provider ID) for identifying the provider.
  • the provider database unit 242 includes, for example, the name of the provider of the product or service, location information, handled products, account information (eg, bank name, account number, password), and the provider of the product or service Image data (for example, image data indicating the name of the provider) is further stored.
  • the location information of the provider of the product or service is, for example, an address of the provider, GPS information of a terminal owned by the provider, or the like, but is not limited thereto.
  • FIG. 3C shows an example of the configuration of information stored in the product / service database unit 243.
  • the product / service database unit 243 stores information on products or services.
  • Information on a product or service can be identified by information (product / service ID) for identifying the product or service.
  • the information on the product or service is stored in the product database unit 243 in a state where the information is related to the information (provider ID) for identifying the provider.
  • the product database unit 243 further stores a product name or service name, a list price, a provision price in [provider ID], image data representing a product or service, and the like. Examples of the image data representing the service include image data of a sticker indicating the service to be provided, image data of a scene in which the service is provided, and the like, but are not limited thereto.
  • FIG. 3D shows an example of the configuration of information stored in the password database unit 244.
  • the password database unit 244 stores valid passwords and valid conditions.
  • the password may be, for example, a one-time password that is valid for one-time use, or a timed password that is valid only for a predetermined time.
  • the validity condition of the one-time password is “one-time use” and the validity condition of the timed password is “within a predetermined time”.
  • the “within a predetermined time” includes, for example, “within ⁇ minutes from the time when the timed password is generated”, “within ⁇ hours from the time when the timed password is generated”, and “intraday when the timed password is generated”. Not limited.
  • the server device 220 is configured to be able to search the password database unit 244.
  • the server device 220 can determine whether the password is valid by searching the password database unit 244.
  • FIG. 4 shows an example of a flow of a process executed in the computer system 200.
  • Process shown in FIG. 4 for example, it is executed by the processor 222 included in the processor unit 212 and the server apparatus 220 included in the user device 210 1.
  • each step shown in FIG. 4 will be described.
  • Step S401 the user device 210 1 receives user input requesting payment of goods or services.
  • the mode of the user input requesting the settlement of the goods or services is arbitrary.
  • a user input requesting payment of goods or services may be input by the user selecting a predetermined region on the input unit and the display unit 214 of the user device 210 1, the payment of goods or services it may be input by the voice of the user indicating a request speech recognition unit of the user device 210 1 (not shown) to recognize.
  • Step S402 the user device 210 1, in response to a user input requesting payment of goods or services, generates a payment request for payment of goods or services, and sends the settlement request to the server device 220.
  • the payment request may include information for identifying the user (user ID).
  • Step S403 the server device 220 receives the payment request from the user device 210 1.
  • Step S404 the user device 210 1 transmits the information for identifying the price of goods or services to the server device 220.
  • Step S405 the server device 220 receives the information for identifying the price of goods or services from the user device 210 1.
  • an example of the information for specifying the price of the product or service is a user input indicating the price of the product or service.
  • the user device 210 1 receives a user input indicating the price of the product or service by the user inputting the price of the product or service, and in step S404, the user device 210 1 , transmitted to the server apparatus 220 a user input indicating the price of goods or services as information indicating the price of goods or services, in step S405, the server device 220, information indicating the price of goods or services from the user device 210 1 Receive.
  • the information indicating the price of the product or service can be used in the processing of the server device 220 described later in step S408 (that is, in step S408, the server device 220 May perform processing to settle the goods or services to be settled).
  • step S404 Another example of information for specifying the price of a product or service is image data indicating a product or service to be settled.
  • the user device 210 1 before step S404, the user device 210 1 generates image data representing the product or service (eg, by the user photographing the product or service using the camera 215 of the user device 210 1 ). and, in step S404, the user device 210 1 may transmit the image data to goods or services is represented in the server apparatus 220, in step S405, the server device 220, the user device the image data item or service was represented received from the 210 1. Further, the server device 220 specifies the product or service by analyzing image data representing the product or service, and the server device 220 searches the product / service database unit 243 to specify the product or service.
  • the analysis of the image data representing the product or the service may be realized using, for example, artificial intelligence (AI).
  • AI artificial intelligence
  • the information indicating the price of the product or service can be used in the processing of the server device 220 described later in step S408 (that is, in step S408, the server device 220 May perform processing to settle the goods or services to be settled).
  • Step S406 the user device 210 1 transmits the information for identifying the provider of goods or services to the server device 220.
  • Step S407 the server device 220 receives the information for identifying the provider of goods or services from the user device 210 1.
  • an example of information for specifying a provider of a product or service is position information of a user device.
  • the user device 210 1 acquires the position information of the user apparatus 210 1 by using the position information 216 of the user device 210 1 in step S406, the user device 210 1, the user equipment the position information of 210 1 transmits to the server apparatus 220, in step S407, the server device 220 receives the location information of the user device 210 1 from the user device 210 1.
  • the position information of the user device 210 1 can be used in the processing of the server device 220 described later in step S408 (that is, in step S408, the server device 220 is settled based on the position information of the user device 210 1 ). Process to settle the goods or services to be performed).
  • image data for specifying the provider of the product or service is image data for specifying the provider of the product or service to be settled (for example, the provider of the product or service to be settled).
  • image data representing the name of the customer.
  • the user device 210 1 for example, something for the user to identify the provider of goods or services using the camera 215 of the user device 210 1 (e.g., the provider of trade name ) image data (e.g., for it by) identifying the goods or services provider shooting to generate image data) provider of the trade name is represented, in step S406, the user device 210 1, items or Image data for specifying the service provider (for example, image data indicating the name of the provider) is transmitted to the server device 220.
  • the server device 220 specifies the product or service provider.
  • image data for e.g., image data provider of the trade name is represented
  • the image data for specifying the provider of the product or service can be used in the processing of the server device 220 described later in step S408 (that is, step S408).
  • the server device 220 is used to settle a product or service to be settled based on image data for specifying the source of the product or service (for example, image data indicating the name of the provider). Processing can be performed).
  • information for identifying the provider of goods or services is an image data item or service was represented to be settled, the image data (hereinafter including the position information of the user apparatus 210 1 , “Product / service image data with location information”). Therefore, in the embodiment shown in FIG. 4, information for specifying the price of the product or service and information for specifying the provider are separately transmitted and received in steps S404 to S407. It is not limited to.
  • the product / service image data with location information is information for specifying the price of the product or service, and information for specifying the provider, the information for specifying the price of the product or service is One piece of data (information) may be used in place of the information for specifying the provider.
  • step S406 ' the user device 210 1, by generating an image data item or service was represented, acquires position information of the user device 210 1, with the position information generating products and services image data, in step S407 ', the user device 210 1 sends the goods and services image data with the position information to the server device 220, server device 220, the goods and services image data with the position information it may be received from the user apparatus 210 1.
  • This product / service image data with position information can be used in the processing of the server device 220 described later in step S408 (that is, in step S408, the server device 220 performs processing based on the product / service image data with position information, May perform processing to settle the goods or services to be settled).
  • Step S408 The server device 220 generates a valid password.
  • the server device 220 may store the generated valid password in the password database unit 244.
  • Step S409 The server device 220 notifies the valid password to the provider of the product or service.
  • This process is, for example, the server device 220 is achieved by outputting a valid password the source of the terminal 250 1 of product or service.
  • the mode of outputting a valid password is arbitrary. For example, if the terminal 250 1 is the phone, the output of the valid password may be the audio output, when the terminal 250 1 is FAX machine, the output of the valid password was in printout You may.
  • Step S410 the server apparatus 220 displays a screen for inputting a password to the user device 210 1.
  • This process is, for example, the server device 220 is accomplished by sending a command for displaying a screen for inputting a password to the user device 210 1.
  • Step S411 the user device 210 1 displays a screen for inputting a password.
  • Step S412 the user device 210 1 receives the user enter a password.
  • Step S413 the user device 210 1 transmits the password input in step S412 to the server device 220.
  • Step S414 the server device 220 receives a password from the user device 210 1.
  • Step S415 The server device 220 determines whether the password received in step S414 is valid. When it is determined that the password received in step S414 is valid, the server device 220 executes the process of step S416.
  • Step S416 The server device 220 executes a process for settling a product or service to be settled. This processing is executed based on information for specifying a provider of a product or service. This process may be performed further based on information for specifying the price of the product or service.
  • An example of a process for settling the goods or services to be settled includes identifying the goods or services provider's account information based on the information for identifying the goods or services provider, and including the account information in the payment request.
  • the user's account information is specified based on the obtained user ID
  • the user's payment amount is specified based on the information for specifying the price of the product or service
  • the account information of the product or service provider and the user's account information are specified.
  • a clearing house system eg, a bank system
  • the user device 210 1 the card (e.g., credit cards, debit cards) to be read account information of the user is configured to allow, or condition, or card and non-contact in contact with the card If it is configured to be able to read the user's account information from the card in the state, another example of the processing for settling the goods or services to be settled is the provider of the goods or services.
  • the card e.g., credit cards, debit cards
  • the account information and payments of the user may be to send the user's money request of the payment amount to the provider of the account of the goods or services from the user's account to the card company of the system.
  • the position information of the user device 210 1 (or the image data including position information of the user device 210 1), the server device 220, the user device 210 1 based the position information and the goods or provider of the location information service, it is determined whether the user apparatus 210 1 is located from the provider within a predetermined range, the user device 210 1 is the providing source When it is determined that the product or service is located within the predetermined range, a process for settling the product or service may be executed.
  • the server device 220 analyzes the image data for specifying the provider of the product or service, specifies the provider of the product or service, and, based on the information indicating the provider of the product or service, A process may be performed to settle the service.
  • the analysis of the image data for specifying the provider of the product or the service may be realized using, for example, artificial intelligence (AI).
  • AI artificial intelligence
  • the password confirmation steps (that is, steps S408 to S415) shown in a portion surrounded by a broken line in FIG. 4 are steps that can be omitted as necessary. Therefore, the processing executed in the computer system 200 may shift from step S407 to step S416, or may shift from step S407 to step S416 via a password confirmation step (that is, steps S408 to S415).
  • a password confirmation step that is, steps S408 to S415.
  • the present invention is a computer system that enables a payment system using a user device such as a smartphone to be introduced without requiring initial capital investment for introducing a payment system using a user device such as a smartphone,
  • the present invention is useful for providing a server device used in the computer system, a program executed in the server device, and the like.

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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Afin de fournir un dispositif serveur destiné à prendre en charge le paiement de biens ou de services, ce dispositif serveur est configuré pour pouvoir communiquer avec au moins un dispositif utilisateur. Le dispositif serveur reçoit du dispositif utilisateur une demande de paiement demandant le paiement de biens ou de services. Les biens ou services sont fournis par un fournisseur de biens ou de services, le dispositif utilisateur est l'un parmi au moins un dispositif utilisateur, et le dispositif serveur est configuré pour mettre en œuvre au moins la réception en provenance du dispositif utilisateur d'informations spécifiant un fournisseur, et l'exécution, sur la base des informations spécifiant le fournisseur, d'un traitement pour le paiement des biens ou services.
PCT/JP2019/028678 2018-07-20 2019-07-22 Système informatique pour prendre en charge le paiement de produits ou de services, dispositif serveur utilisé dans ledit système informatique et programme exécuté sur ledit dispositif serveur WO2020017660A1 (fr)

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JP2018137049A JP6527992B1 (ja) 2018-07-20 2018-07-20 商品またはサービスの決済を支援するためのコンピュータシステム、そのコンピュータシステムにおいて使用されるサーバ装置、そのサーバ装置において実行されるプログラム

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2013541107A (ja) * 2010-10-13 2013-11-07 ウォルマート ストアーズ，インコーポレーティッド 携帯装置による自己精算の方法
JP2017041105A (ja) * 2015-08-20 2017-02-23 株式会社ぐるなび 情報処理装置、情報処理システム、情報処理方法及びプログラム
JP2017539026A (ja) * 2014-12-09 2017-12-28 アリババ・グループ・ホールディング・リミテッドＡｌｉｂａｂａ Ｇｒｏｕｐ Ｈｏｌｄｉｎｇ Ｌｉｍｉｔｅｄ サービス処理方法および装置、およびサービスサーバ

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Publication number Priority date Publication date Assignee Title
JP2005148845A (ja) * 2003-11-11 2005-06-09 Toshiba Corp 商品購入システムと商品購入システムにおける商品購入方法
US20130080289A1 (en) * 2011-09-28 2013-03-28 Rupessh Ranen Roy Retail shopping
JP2014016745A (ja) * 2012-07-06 2014-01-30 Apandor Co Ltd 電子取引システム、および電子取引方法
JP2016040668A (ja) * 2014-08-12 2016-03-24 株式会社サンライズ 決済システム

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2013541107A (ja) * 2010-10-13 2013-11-07 ウォルマート ストアーズ，インコーポレーティッド 携帯装置による自己精算の方法
JP2017539026A (ja) * 2014-12-09 2017-12-28 アリババ・グループ・ホールディング・リミテッドＡｌｉｂａｂａ Ｇｒｏｕｐ Ｈｏｌｄｉｎｇ Ｌｉｍｉｔｅｄ サービス処理方法および装置、およびサービスサーバ
JP2017041105A (ja) * 2015-08-20 2017-02-23 株式会社ぐるなび 情報処理装置、情報処理システム、情報処理方法及びプログラム

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