WO2021044733A1 - Settlement system, terminal, server, and program - Google Patents

Abstract

This settlement system comprises: a store-side terminal which displays, in the form of an identifier, first settlement information arising from a user's purchase; and a server which receives second settlement information from a user's terminal that has read the identifier. The server compares the first settlement information received from the store-side terminal with the second settlement information received from the user terminal, and controls the progress of settlement on the basis of the result of comparison. Alternatively, the store-side terminal compares the first settlement information with the second settlement information received from the server and transmits information according to the result of the comparison to the server, and then the server controls the progress of settlement on the basis of the information received from the store-side terminal.

Description

Payment systems, terminals, servers and programs

The present invention relates to payment systems, terminals, servers and programs.

Currently, a payment system using a two-dimensional code (for example, a QR code (registered trademark)) has been put into practical use.
One of the payment systems is the MPM (= Merchant Presented Mode) method. In the case of this method, information such as the purchase price of the product and the transfer destination is displayed on the information terminal on the store side as a two-dimensional code. On the other hand, the user of the electronic payment service photographs the displayed two-dimensional code with his / her own information terminal and sends the captured two-dimensional code information to the server operated by the payment operator. The server operated by the payment business operator confirms that the purchase of the product is made by the user himself / herself based on the received information, and executes the payment processing.

Japanese Unexamined Patent Publication No. 2003-141433

However, in the MPM method, there is a possibility that the amount of money different from the correct amount may be settled due to a mistake in reading the two-dimensional code by the information terminal or an unauthorized application installed on the information terminal. That is, there is a possibility that the security of payment cannot be ensured.

An object of the present invention is to confirm the consistency of payment information in payment using a two-dimensional code before the payment is confirmed.

The invention according to claim 1 receives the second payment information from the terminal on the store side that displays the first payment information generated by the purchase of the user as an identifier and the terminal of the user who has read the identifier. It has a server, and the server collates the first payment information received from the terminal on the store side with the second payment information received from the terminal of the user, and based on the result of the matching. The terminal on the store side controls the progress of payment, or the terminal on the store side collates the second payment information received from the server with the first payment information, and sends information according to the result of the matching to the server. The server is a payment system that transmits and controls the progress of payment based on the information received from the terminal on the store side.
According to the second aspect of the present invention, when the results of the matching at the terminal on the store side do not match, the terminal on the store side transmits the cancellation information requesting the cancellation of payment to the server and the identifier. The payment system according to claim 1, wherein a message prompting rereading is displayed, and the identifier is redisplayed.
According to the third aspect of the present invention, when the results of the matching on the server do not match, the server cancels the payment and requests the terminal on the store side to reread the identifier. 1. When the terminal on the store side receives the reread information, it displays a message prompting the rereading of the identifier and redisplays the identifier, according to claim 1. It is a payment system.
According to the fourth aspect of the present invention, when the results of the matching match, the server transmits the second payment information received from the user's terminal to the payment center as the third payment information, and the above-mentioned invention. The payment system according to claim 1, wherein if the results of the matching do not match, the server stops transmitting the third payment information to the payment center.
The invention according to claim 5 is a terminal on the store side that is communicably connected to the server, and the terminal on the store side displays the first payment information generated by the purchase of the user as an identifier. After the display of the identifier, the terminal of the user who reads the identifier receives the second payment information transmitted to the server from the server, and collates the first payment information with the second payment information. , A terminal on the store side, characterized in that, when the results of the matching do not match, the cancellation information requesting the cancellation of the settlement is transmitted to the server.
The invention according to claim 6 is a server that is communicably connected to a terminal on the store side, and the server receives first payment information generated on the terminal on the store side due to a user's purchase. , The second payment information is received from the terminal of the user who has read the identifier corresponding to the first payment information, the first payment information and the second payment information are matched, and the matching results do not match. In the case of, the server is characterized in that the settlement is canceled and the reread information requesting the reread of the identifier is transmitted to the terminal on the store side.
The invention according to claim 7 is a program executed on a terminal on the store side that is communicably connected to a server, and has a function of displaying the first payment information generated by a user's purchase as an identifier. After the display of the identifier, the function of receiving the second payment information transmitted from the server by the terminal of the user who has read the identifier, the first payment information, and the second payment information. Is a program that executes a function of transmitting cancellation information requesting cancellation of settlement to the server when the results of the matching are inconsistent.
The invention according to claim 8 is a program executed on a server communicably connected to a terminal on the store side, and receives first payment information generated on the terminal on the store side by a user's purchase. The function of receiving the second payment information from the terminal of the user who has read the identifier corresponding to the first payment information, and the first payment information and the second payment information are collated with each other. When the results of the matching do not match, the program cancels the payment and executes a function of transmitting the reread information requesting the reread of the identifier to the terminal on the store side.
The invention according to claim 9 is a program executed on the user's terminal that reads the first identifier corresponding to the first payment information generated on the store's terminal by the user's purchase from the store's terminal. The function of transmitting the second payment information obtained by adding the user information to the read first identifier to the server that executes the payment processing, and the completion of the payment processing based on the second payment information. As a notification of, a function of receiving information specifying the content of the transaction corresponding to the second payment information from the server and a function of displaying the information received from the server as a second identifier on the user's terminal. It is a program that executes and.

According to the present invention, the consistency of payment information in payment using a two-dimensional code can be confirmed before the payment is confirmed.

It is a figure which illustrates the schematic structure of the electronic payment system used in Embodiment 1. It is a figure which shows an example of the block diagram explaining the structure of the POS terminal used in Embodiment 1. FIG. It is a figure which shows an example of the block diagram explaining the structure of the payment relay server used in Embodiment 1. FIG. It is a figure explaining the outline of the payment process executed on the electronic payment system described in Embodiment 1. It is a figure which shows the display example of the message prompting to read the QR code for payment. It is a figure which shows the display example of the message prompting the re-reading of the QR code for payment. It is a figure which illustrates the schematic structure of the electronic payment system used in Embodiment 2. It is a figure which shows an example of the block diagram explaining the structure of the POS terminal used in Embodiment 2. FIG. It is a figure which shows an example of the block diagram explaining the structure of the payment relay server used in Embodiment 2. FIG. It is a figure explaining the outline of the payment process executed on the electronic payment system described in Embodiment 2. It is a figure which illustrates the schematic structure of the electronic payment system used in Embodiment 3. It is a figure which shows an example of the block diagram explaining the structure of the smartphone used in Embodiment 3. FIG. It is a figure explaining the outline of the payment process executed on the electronic payment system described in Embodiment 3. FIG. It is a figure which illustrates the schematic structure of the electronic payment system used in Embodiment 4. It is a figure which shows an example of the block diagram explaining the structure of the POS terminal used in Embodiment 4. FIG. FIG. 5 is a diagram schematically illustrating an example of a payment process executed on the electronic payment system described in the fourth embodiment. FIG. 5 is a diagram schematically illustrating another example of payment processing executed on the electronic payment system described in the fourth embodiment. It is a figure which illustrates the schematic structure of the electronic payment system used in Embodiment 5. It is a figure which shows an example of the block diagram explaining the structure of the POS terminal used in Embodiment 5. It is a figure which shows an example of the block diagram explaining the structure of the payment relay server used in Embodiment 5. It is a figure explaining the outline of the payment process executed on the electronic payment system described in Embodiment 5.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings.
<Embodiment 1>
FIG. 1 is a diagram illustrating a schematic configuration of an electronic payment system 1 used in the first embodiment.
The electronic payment system 1 includes a payment terminal installed in the store (hereinafter, also referred to as “POS terminal 10”) and an information terminal (hereinafter, “smartphone”) used for payment by a user of an electronic payment service who has purchased goods in the store. 20 ”), an information processing center that relays payment information between the store and the payment operator (hereinafter also referred to as“ payment relay server 30 ”), and a payment center operated by the payment operator (hereinafter“ payment business ”). It also has a person server 40).

Although FIG. 1 shows only one payment operator server 40, it may be plural. In that case, the payment relay server 30 relays the exchange of payment information between the POS terminal 10 and the plurality of payment operator servers 40.
The POS terminal 10 here is an example of a payment terminal, and the smartphone 20 is an example of an information terminal. The payment relay server 30 is an example of an information processing center, and the payment operator server 40 is an example of a payment center.

In the present embodiment, it is assumed that the customer pays the payment amount corresponding to the consideration for the goods or services through reading the QR code displayed on the POS terminal 10 or a terminal (not shown) connected to the POS terminal 10. The POS terminal 10 is an example of a terminal on the store side.
In the present embodiment, transactions involving payment of consideration are collectively referred to as "purchase". Therefore, the term "purchase" includes not only the purchase of so-called goods but also the use of services.
Further, the payment information including the payment amount charged by the POS terminal 10 to the customer as the consideration for the purchase is referred to as the first payment information. The first payment information includes information for identifying the member store and information regarding the content of the transaction. The information that identifies the member store includes, for example, a member store code. In addition, the information regarding the content of the transaction includes, for example, the date and time of the transaction, the settlement amount, and the transaction number. Information about the content of a transaction is unique for each transaction.

The POS terminal 10 in the present embodiment displays the settlement amount charged to the customer as a QR code for settlement. FIG. 1 shows a state in which a smartphone 20 reads a QR code for payment displayed on the POS terminal 10. In FIG. 1, the QR code captured by the smartphone 20 is displayed on the display surface. The QR code for payment is an example of an identifier corresponding to the first payment information.
The POS terminal 10 and the smartphone 20 in the present embodiment are each connected to the payment relay server 30 via the network 50. In the case of this embodiment, direct communication between the POS terminal 10 and the smartphone 20 is not assumed.
The smartphone 20 that has read the QR code for payment adds the user information to the payment amount read from the QR code for payment, and transmits it to the payment relay server 30 as the second payment information. The smartphone 20 here is an example of a user's terminal.

The payment relay server 30 in the present embodiment collates the first payment information received from the POS terminal 10 with the second payment information received from the smartphone 20, and controls the progress of payment based on the result of the matching. Specifically, when the payment amount indicated by the first payment information and the information indicated by the second payment information match, the second payment information is transmitted to the payment operator server 40. When the payment process is completed, but the payment amount shown in the first payment information and the information shown in the second payment information do not match, the second payment is made to the payment operator server 40. The transmission of information is stopped, and the POS terminal 10 is requested to reload the QR code for payment. Details will be described later.
The payment relay server 30 here is an example of a server that receives the second payment information from the smartphone 20. In the case of this embodiment, the POS terminal 10 and the payment relay server 30 constitute a payment system.
The payment relay server 30 and the payment operator server 40 are connected to each other so as to be able to communicate with each other via a network (not shown) or a dedicated line.

(Configuration of POS terminal 10)
FIG. 2 is a diagram showing an example of a block diagram illustrating the configuration of the POS terminal 10 used in the first embodiment.
The POS terminal 10 used in the first embodiment includes a control unit 11 that controls the operation of the entire terminal, a storage unit 12 that is used for storing data and the like, and an operation display that is used for receiving operations and displaying an operation screen. A unit 13, a bill processing unit 14, a coin processing unit 15, a receipt output unit 16 that outputs a receipt that is a payment statement, and a payment QR code that generates a payment QR code corresponding to the first payment information. It includes a generation unit 17 and a communication unit 18 used for communication with an external device.

The control unit 11 is composed of a CPU (= Central Processing Unit), an MPU (Micro Processing Unit), a ROM (= Read Only Memory), a RAM (= Random Access Memory), and the like.
The ROM of the control unit 11 stores a basic program (operation system) executed by the CPU or MPU, various settings, and the like. The CPU and MPU use the RAM for the work area and execute the application program read from the ROM and the storage unit 12. When the CPU or MPU executes the program, the functions described below are realized.

For example, the control unit 11 has a function of transmitting the first payment information including the payment amount to be charged to the user and the information for specifying the transaction to the payment relay server 30, and operates and displays the QR code for payment corresponding to the payment amount. A function to display the QR code for payment on the unit 13 and the like, a function to display a message prompting the user to read the QR code on the operation display unit 13, and a QR code for payment when the reread information is received from the payment relay server 30. The function of redisplaying on the operation display unit 13, the function of redisplaying the QR code for payment and the function of redisplaying the message prompting to read the QR code on the operation display unit 13 are executed through the execution of the program. The QR code generation unit 17 for payment is also an example of the function realized through the execution of the program.

The storage unit 12 is composed of a storage device such as a semiconductor memory or an HDD (= Hard Disk Drive). In the case of the present embodiment, the storage unit 12 stores the first payment information read from the POS terminal 10.
The operation display unit 13 is composed of a display that displays an operation screen of a staff member who operates the POS terminal 10 and a screen presented to the user. For the operation display unit 13, for example, a liquid crystal display or an organic EL (= Electro Luminescence) display is used. The display used for displaying the operation screen and the display used for displaying the QR code for payment may be prepared separately. The operation display unit 13 is provided with buttons, switches, a touch panel, and the like that the staff uses to input information.

The banknote processing unit 14 is a device unit that executes processing such as authenticity determination, storage of banknotes, and return of banknotes for the inserted banknotes.
The coin processing unit 15 is an apparatus unit that executes processing such as authenticity determination of inserted coins, storage of coins, and withdrawal of change coins.
As described above, the receipt output unit 16 is used for outputting the receipt which is the details of the settlement, but it can also be used for the output of the receipt on which the QR code for settlement is printed.
The payment QR code generation unit 17 is a part of the function executed by the control unit 21 and generates the QR code corresponding to the first payment information. In the case of this embodiment, the generated QR code for payment is displayed on the operation display unit 13.
The communication unit 18 is a communication interface (communication I / F) and realizes communication with the payment relay server 30 via the network 50.

(Configuration of payment relay server 30)
FIG. 3 is a diagram showing an example of a block diagram for explaining the configuration of the payment relay server 30 used in the first embodiment.
The payment relay server 30 used in the first embodiment receives a control unit 31 that controls the entire device, a storage unit 32 used for storing data and the like, and a first payment information notified from the POS terminal 10. (1) The payment information receiving unit 33, the second payment information receiving unit 34 that receives the second payment information notified from the smartphone 20, the payment amount included in the first payment information, and the second payment information. It includes a matching processing unit 35 that collates the settlement amount, a settlement progress management unit 36 that manages the progress of the settlement processing according to the result of the matching, and a communication unit 37 used for communication with an external device.

The control unit 31 here is also composed of a CPU, MPU, ROM, RAM, and the like.
The ROM of the control unit 31 stores basic programs executed by the CPU and MPU, various settings, and the like. The CPU and MPU use the RAM for the work area and execute the application program read from the ROM and the storage unit 32. When the CPU or MPU executes the program, the functions described below are realized.

For example, when the settlement amount of the first settlement information received from the POS terminal 10 and the settlement amount of the second settlement information received from the smartphone 20 match, the control unit 31 sets the second settlement information received from the settlement business. Function to send to the server 40, if the payment amount of the first payment information and the payment amount of the second payment information do not match, the transmission of the second payment information to the payment operator server 40 is stopped and payment is made. The function of requesting the POS terminal 10 to reread the QR code for use is executed through the execution of the program.
The functions corresponding to the first payment information receiving unit 33, the second payment information receiving unit 34, the matching processing unit 35, and the payment progress management unit 36 are also realized through the execution of the application program.

The storage unit 32 is composed of a storage device such as a semiconductor memory or an HDD. In the case of the present embodiment, the storage unit 32 receives the first payment information, which is the payment information notified from the POS terminal 10 (see FIG. 1), and the payment information notified from the smartphone 20 (see FIG. 1). A second payment information is stored. These payment information are used in the matching process by the matching processing unit 35. The fact that the first payment information and the second payment information have a corresponding relationship can be confirmed by the information attached to each payment information. For example, information for identifying a store, information for identifying a POS terminal 10, reading time, and the like are used.

The first payment information receiving unit 33 executes a process of storing the received payment information in the storage unit 32 each time a new payment information is notified from the POS terminal 10.
On the other hand, the second payment information receiving unit 34 executes a process of storing the received payment information in the storage unit 32 each time new payment information is notified from the smartphone 20 (see FIG. 1) which is the user's terminal. ..
The matching processing unit 35 matches the first payment information and the second payment information linked to the same transaction, and outputs as a result of the matching whether or not the payment amounts included in the two payment information match. To do.

The settlement progress management unit 36 manages the progress of the relay settlement process based on the result of the matching. Specifically, when the result of the match represents a match of the payment amounts, the payment progress management unit 36 receives the second payment information received from the smartphone 20 (see FIG. 1), which is the user's terminal, as the payment operator server. Send to 40.
On the other hand, when the result of the match indicates a discrepancy in the payment amount, the payment progress management unit 36 transmits the second payment information received from the smartphone 20 (see FIG. 1), which is the user's terminal, to the payment operator server 40. Instead, the POS terminal 10 is requested to reread the QR code for payment.
The communication unit 37 is a communication interface (communication I / F) and communicates with the POS terminal 10 and the smartphone 20 via the network 50. The communication unit 37 also communicates with the payment operator server 40.

(Flow of payment processing)
FIG. 4 is a diagram illustrating an outline of a payment process executed on the electronic payment system 1 described in the first embodiment. In addition, S in the figure means a step.
The series of processes is started when the amount of the purchased goods or the like is input to the POS terminal 10 installed in the store and the settlement amount is fixed (step 1).
The settlement amount is fixed, for example, by operating the total button. As described above, the settlement amount here is included in the first settlement information. The POS terminal 10 notifies the payment relay server 30 of the first payment information including the fixed payment amount.

Next, the POS terminal 10 displays a message prompting reading on the operation display unit 13 (see FIG. 2) (step 2), and displays a QR code for payment (step 3). The QR code for payment includes the first payment information. The order of displaying the message and displaying the QR code for payment may be reversed, or they may be displayed at the same time using the same screen.
FIG. 5 is a diagram showing a display example of a message prompting to read a QR code for payment.
In the case of FIG. 5, the sentence "Please read the QR code and make a payment" is displayed.

Returning to the description of FIG.
When the message is displayed, the user of the electronic payment service reads the QR code for payment displayed on the operation display unit 13 (see FIG. 2) using the smartphone 20 in which the application program for payment is activated. (Step 4).
The smartphone 20 decodes the read QR code for payment, and notifies the payment relay server 30 of the information obtained by adding its own information requesting payment to the decoded information as the second payment information. The second payment information is generated by the application program installed on the smartphone 20.
When the first payment information and the second payment information associated with the same transaction are received, the payment relay server 30 executes the matching process (step 5). In the matching process, the settlement amount included in the first settlement information and the settlement amount included in the second settlement information are matched.
When the two payment amounts match (when the result is affirmative in step 6), the payment relay server 30 notifies the payment operator server 40 of the second payment information.

The payment operator server 40 that has received the notification of the second payment information extracts the information of the user who is the target of the payment from the second payment information, and executes the payment process for the target user (step 7). ). Specifically, the payment operator server 40 subtracts the payment amount notified in the second payment information from the target user's account and deposits it in the store's account, and the settlement relay server confirms the conclusion of the transaction. Return to 30. The notification indicating the completion of the transaction is notified to the smartphone 20 through the payment relay server 30. The POS terminal 10 may be notified of the establishment of the transaction.
On the other hand, when the two payment amounts do not match (in the case of a negative result in step 6), the payment relay server 30 does not notify the payment operator server 40 of the second payment information, and the POS terminal 10 is notified. The reread information requesting the reread of the QR code for payment is transmitted (step 8).
As described above, the discrepancy between the two payment amounts may occur when the QR code for payment is erroneously read or when the payment amount is tampered with by a malicious application program installed on the smartphone 20.

The POS terminal 10 requested to re-read the QR code for payment redisplays the message prompting the re-reading on the operation display unit 13 (see FIG. 2) (step 9), and redisplays the QR code for payment. (Step 10). In this case as well, the order of executing the message redisplay and the QR code redisplay for payment may be changed, or they may be displayed on the same screen at the same time.
FIG. 6 is a diagram showing a display example of a message prompting the user to read the QR code for payment again. In the case of FIG. 6, the sentence "Please read the QR code again and make a payment" is displayed.
The user who confirms the display of the operation display unit 23 will read the QR code for payment again using his / her own smartphone 20.
The subsequent processing is the repetition of step 4 and subsequent steps. That is, the payment process is not established until the payment amount included in the second payment information notified by re-reading and the payment amount included in the first payment information notified earlier match, and the QR code is used. Reading work is repeated.

In the case of the present embodiment, while the settlement amount does not match due to the matching of the first settlement information and the second settlement information, the redisplay and reading of the QR code for settlement are repeated as many times as necessary. However, an upper limit may be set for the number of repetitions, and when the upper limit is reached, the operation display unit 23 may display that payment cannot be made by reading the QR code for payment. In this case, the settlement will be completed using cash or other payment means. The POS terminal 10 may execute the determination as to whether or not the number of repetitions has reached the upper limit, or the payment relay server 30 may execute the determination.
As described above, in the case of the present embodiment, the progress of illegal payment processing in which the payment amount included in the first payment information and the payment amount included in the second payment information do not match due to the intervention of the payment relay server 30. Can be stopped.
In the description of the first embodiment, the smartphone 20 is illustrated as an example of the information terminal used by the customer for payment of consideration, but a tablet-type computer terminal or a wearable terminal can also be used.

Further, in the description of the first embodiment, the case where the payment is made by reading the QR code which is an example of the two-dimensional code is described, but the payment by reading the bar code which is an example of the one-dimensional code is not excluded.
Further, in the description of the first embodiment, the payment relay server 30 for relaying the payment information exchanged between the POS terminal 10 and the plurality of payment operator servers 40 is provided, but the POS terminal 10 and the payment operator are provided. When the server 40 is connected one-to-one, a configuration of an electronic payment system 1 in which the payment relay server 30 is not provided is also conceivable.

In this case, the payment operator server 40 may be provided with the matching function executed by the payment relay server 30 described above. In this case, the payment process is executed when the payment amount included in the first payment information and the payment amount included in the second payment information match, and the payment amount included in the first payment information and the second payment amount are executed. When the payment amount included in the payment information does not match, the payment process may be stopped and the POS terminal 10 may be requested to reread the QR code for payment. When the payment relay server 30 is not provided, the payment business server 40 serves as an example of a server that receives the second payment information from the smartphone 20, and the POS terminal 10 and the payment business server 40 constitute a payment system.

<Embodiment 2>
Subsequently, the second embodiment will be described.
FIG. 7 is a diagram illustrating a schematic configuration of the electronic payment system 1A used in the second embodiment. In FIG. 7, a reference numeral corresponding to a portion corresponding to that in FIG. 1 is added.
As shown in FIG. 7, the configuration of the electronic payment system 1A described in the second embodiment is the same as that of the first embodiment. That is, also in the case of the second embodiment, the POS terminal 10A installed in the store, the smartphone 20 used by the user of the electronic payment service who purchased the goods in the store to settle the consideration, the store and the payment operator. It has a payment relay server 30A that relays payment information between the two, and a payment business server 40 operated by the payment business.
In the case of the first embodiment, the matching process is executed by the payment relay server 30, but in the present embodiment, the POS interlocking application program (hereinafter, "OCX") installed in the POS terminal 10A performs the matching process. The match process is executed using a driver).

(Configuration of POS terminal 10A)
FIG. 8 is a diagram showing an example of a block diagram illustrating the configuration of the POS terminal 10A used in the second embodiment. In FIG. 8, a reference numeral corresponding to a portion corresponding to that in FIG. 2 is added.
The POS terminal 10A used in the second embodiment has a control unit 11A for controlling the entire terminal, a storage unit 12 used for storing data and the like, and an operation display unit used for receiving operations and displaying an operation screen. 13, a bill processing unit 14, a coin processing unit 15, a receipt output unit 16 that outputs a receipt that is a payment statement, and a payment QR code that generates a payment QR code corresponding to the first payment information. It includes a generation unit 17, a communication unit 18 used for communication with an external device, and a matching processing unit 19 that collates the payment amount generated by the POS terminal 10A with the payment amount notified from the payment relay server 30. ..

The control unit 11A in the present embodiment is different from the control unit 11 in the first embodiment in that the function of the matching processing unit 19 is executed through the execution of the application program.
In the case of the present embodiment, the storage unit 12 stores the first payment information, which is the payment information generated by the POS terminal 10, and the second payment information, which is the payment information notified from the payment relay server 30. It is different from the case of the first embodiment in that it is performed. Specifically, the first embodiment is that the second payment information notified from the smartphone 20 operated by the user who has read the QR code for payment to the payment relay server 30 is stored in the storage unit 12. Is different from.

The matching processing unit 19 is included in the payment amount included in the first payment information and the second payment information linked to the same transaction, as in the matching processing unit 35 (see FIG. 3) in the first embodiment. The settlement amount is matched, and whether or not the two settlement amounts match is output as the result of the matching. As described above, the function of the matching processing unit 19 here is executed as a function of the OCX (= OLE Custom Control) driver. OLE is an abbreviation for Object Linking and Embedding.
The matching processing unit 19 notifies the payment relay server 30A of the promotion permission information indicating that the payment processing can proceed when the two payment amounts match, and when the two payment amounts do not match, the payment processing is performed. Notify the payment relay server 30A of the cancellation information indicating the cancellation.

(Configuration of payment relay server 30A)
FIG. 9 is a diagram showing an example of a block diagram for explaining the configuration of the payment relay server 30A used in the second embodiment. In FIG. 9, a reference numeral corresponding to a portion corresponding to that in FIG. 3 is added.
The payment relay server 30A used in the second embodiment receives a control unit 31A that controls the entire device, a storage unit 32 used for storing data and the like, and a second payment information notified from the smartphone 20. A payment information receiving unit 34, a payment progress management unit 36 that manages the progress of payment processing according to the result of matching, a communication unit 37 used for communication with an external device, and a POS terminal that receives the second payment information. It is provided with a second payment information notification unit 38 for notifying 10.

In the case of the present embodiment, since the payment relay server 30A does not execute the matching process, the function of receiving the first payment information from the POS terminal 10A is not provided. Therefore, the first payment information is not stored in the storage unit 32 as well.
The second payment information notification unit 38 transfers the second payment information received from the smartphone 20 by the second payment information receiving unit 34 to the corresponding POS terminal 10. Here, the second payment information notification unit 38 transmits the second payment information to the corresponding POS terminal 10 based on the information for identifying the POS terminal 10 included in the second payment information.

(Flow of payment processing)
FIG. 10 is a diagram illustrating an outline of a payment process executed on the electronic payment system 1A described in the second embodiment. In FIG. 10, a reference numeral corresponding to a portion corresponding to that in FIG. 4 is added. In addition, S in the figure means a step.
Also in the case of the second embodiment, the series of processes is started when the amount of the purchased goods or the like is input to the POS terminal 10A installed in the store and the settlement amount is fixed (step 1). At this point, the first payment information including the payment amount is generated.
Unlike the case of the first embodiment, the first payment information is not notified to the payment relay server 30A.

Next, the POS terminal 10 displays a message prompting reading on the operation display unit 13 (see FIG. 8) (step 2), and displays a QR code for payment (step 3). Also in the case of the present embodiment, the order of executing the message display and the QR code display for payment may be reversed, or they may be displayed at the same time using the same screen.
When the message is displayed, the user reads the QR code for payment displayed on the operation display unit 13 using the smartphone 20 in which the application program for payment is activated (step 4).
The smartphone 20 decodes the read QR code for payment, and notifies the payment relay server 30A of the information obtained by adding its own information requesting payment to the decoded information as the second payment information. The second payment information is generated by the application program installed on the smartphone 20.
The processing up to this point is the same as that of the first embodiment, except that the notification of the first payment information to the payment relay server 30A does not exist.

In the case of the second embodiment, when the payment relay server 30A receives the second payment information, the transmission source smartphone 20 identifies the POS terminal 10A for which the QR code for payment is read, and the specified POS terminal 10A is used. Notify the second payment information as the destination (step 11). The function of identifying the POS terminal 10A may be executed as a part of the function of the second payment information receiving unit 34 (see FIG. 9) or as a function of the second payment information notification unit 38 (see FIG. 9). You may. Further, it may be executed as a function of the control unit 31A (see FIG. 9) separately from these functional units.
When the POS terminal 10A receives the second payment information from the payment relay server 30A, the POS terminal 10A executes a matching process of the payment amount between the first payment information and the second payment information linked to the same transaction ( Step 12). That is, the settlement amount included in the first settlement information and the settlement amount included in the second settlement information are matched.
When the two payment amounts match (when the result is affirmative in step 13), the POS terminal 10A notifies the payment relay server 30A of the promotion permission information indicating that the payment can proceed (step 14). This promotion permission information includes information that identifies a second payment information that is permitted to proceed with the payment.

In this case, the payment relay server 30A that has received the notification of the second payment information confirms the receipt of the promotion permission information by the payment progress management unit 36 (see FIG. 9), and processes the payment to the payment operator server 40. Notify the second payment information that is allowed to proceed.
Upon receiving the notification, the payment operator server 40 extracts the information of the user who is the target of payment from the second payment information, and executes the payment processing for the target user (step 15). Specifically, the payment operator server 40 subtracts the payment amount notified in the second payment information from the target user's account and deposits it in the store's account, and the settlement relay server confirms the conclusion of the transaction. Return to 30A. The notification indicating the completion of the transaction is notified to the smartphone 20 through the payment relay server 30A. Also in the case of the second embodiment, the notification indicating the completion of the transaction may be notified to the POS terminal 10A.
On the other hand, when the two payment amounts do not match (in the case of a negative result in step 13), the POS terminal 10A notifies the payment relay server 30A of the cancellation information indicating that the progress of the payment process is stopped (step 16). ). This cancellation information also includes information that identifies the second payment information that cancels the progress of the payment.

In this case, the payment relay server 30A that has received the cancellation information confirms the receipt of the cancellation information by the payment progress management unit 36 (see FIG. 9), and cancels the notification of the second payment information to the payment operator server 40 (see FIG. 9). Step 17).
On the other hand, the POS terminal 10A that has notified the payment relay server 30A of the cancellation information redisplays a message prompting the operation display unit 13 (see FIG. 8) to read again as a part of the processing of the matching processing unit 19 (step 18). ), And the QR code for payment is displayed again (step 19). In this case as well, the order of executing the message redisplay and the QR code redisplay for payment may be changed, or the same screen may be displayed at the same time.
The user who confirms the display of the operation display unit 13 will read the QR code for payment again using his / her own smartphone 20.
The subsequent processing is the repetition of step 4 and subsequent steps. That is, the payment process is not established until the payment amount included in the second payment information notified by re-reading and the payment amount included in the first payment information generated on the own terminal match, and the QR code The reading operation is repeated.

Also in the case of this embodiment, while the payment amount does not match due to the matching of the first payment information and the second payment information, the QR code for payment is repeatedly displayed and read, but repeatedly. An upper limit may be set for the number of times of the above, and when the upper limit is reached, the operation display unit 23 may display that the payment cannot be made by reading the QR code for payment.
As described above, in the case of the present embodiment, it is possible to stop the progress of the illegal payment process in which the amount of the first payment information and the amount of the second payment information do not match by the intervention of the POS terminal 10A. Become.

In the description of the second embodiment, the payment relay server 30A for relaying the payment information exchanged between the POS terminal 10A and the plurality of payment operator servers 40 is provided, but the POS terminal 10A and the payment operator are provided. When the server 40 is connected one-to-one, a configuration of an electronic payment system 1 in which the payment relay server 30A is not provided is also conceivable.
In this case, the payment operator server 40 may be provided with a second payment information notification function executed by the payment relay server 30A described above. When this configuration is adopted, the settlement operator server 40 is set to execute the settlement process when the promotion permission information is received from the POS terminal 10A. That is, a mechanism is adopted in which the payment processing of the second payment information received from the smartphone 20 is stopped until the promotion permission information is received from the POS terminal 10A. When the cancellation information is received from the POS terminal 10A, the cancellation of the payment process is continued.
When the payment relay server 30A is not provided, the payment business server 40 serves as an example of a server that receives the second payment information from the smartphone 20, and the POS terminal 10A and the payment business server 40 constitute a payment system.

<Embodiment 3>
Subsequently, the third embodiment will be described.
In the first embodiment described above, it is assumed that the POS terminal 10 (see FIG. 1) is connected to the network 50 (see FIG. 1), but the POS terminal 10 is connected to the network 50 for reasons such as cost. It is possible that the connection will not be established.
In order to use the electronic payment system in this state, the store side needs to confirm the payment result displayed on the smartphone 20 (see FIG. 1) owned by the user of the electronic payment service. However, it is difficult to reliably confirm the settlement result only by confirming the screen of the smartphone 20 presented by the user.
In the following, an example of an electronic payment system aimed at solving this technical problem will be described.

FIG. 11 is a diagram illustrating a schematic configuration of the electronic payment system 1B used in the third embodiment. In FIG. 11, a reference numeral corresponding to a portion corresponding to that in FIG. 1 is added.
As shown in FIG. 11, the elements constituting the electronic payment system 1B described in the third embodiment are the same as those in the first embodiment. That is, also in the case of the third embodiment, the POS terminal 10B installed in the store, the smartphone 20A used by the user of the electronic payment service who purchased the goods in the store to settle the consideration, the store and the payment operator. It has a payment relay server 30B that relays payment information between the two, and a payment business server 40 operated by the payment business.

However, the POS terminal 10B in the third embodiment is not connected to the network 50. Further, a QR code reader 101 is communicably connected to the POS terminal 10B. The QR code reader 101 is used to read the QR code for payment result notification displayed on the smartphone 20A. In the case of the present embodiment, the QR code read by the QR code reader 101 is decoded and incorporated into the POS terminal 10B.

(Configuration of smartphone 20A)
FIG. 12 is a diagram showing an example of a block diagram illustrating the configuration of the smartphone 20A used in the third embodiment.
The smartphone 20A used in the third embodiment has a control unit 21 that controls the entire terminal, a storage unit 22 that is used for storing data and the like, and an operation display unit 23 that is used for receiving operations and displaying an operation screen. A QR code reader 24 used to read the QR code displayed on the POS terminal 10B, a QR code generation unit 25 for payment result notification that generates a QR code for payment result notification that notifies the result of payment processing, and an external device. It includes a communication unit 26 used for communication with the device.
The control unit 21 is composed of a CPU, an MPU, a ROM, a RAM, and the like. The ROM of the control unit 21 stores firmware executed by the CPU and MPU, various settings, and the like. The CPU and MPU use the RAM for the work area and execute the application program read from the ROM and the storage unit 22. When the CPU or MPU executes the program, the functions described below are realized.

For example, the control unit 21 has a function of storing the first payment information read from the QR code reader 24 in the storage unit 22, and adds the user information to the read first payment information to generate the second payment information. Then, a function of saving in the storage unit 22, a function of notifying the generated second payment information to the payment relay server 30B, and a QR code for notification of the payment result in cooperation with the QR code generation unit 25 for notification of the payment result. Execute the generated functions, etc. through the execution of the program.
The storage unit 22 is composed of a storage device such as a semiconductor memory. In the case of the present embodiment, the storage unit 22 includes the first payment information read from the POS terminal 10B, the second payment information notified to the payment relay server 30B, and the payment result received from the payment relay server 30B. Is done.

As the operation display unit 23, a liquid crystal display or an organic EL display for displaying the operation screen is used. A touch sensor is attached to the surface of the display, and constitutes a touch panel together with the display. In addition, the operation display unit 23 may be provided with physical buttons or switches.
The QR code reader 24 is realized through the execution of an application program that processes an image of a QR code for payment taken by an imaging camera (not shown). In this embodiment, the QR code reader 24 is used to read the QR code corresponding to the first payment information.
The payment result notification QR code generation unit 25 is a functional unit used to generate a QR code to be displayed on the operation display unit 23. The QR code generation unit 25 for notifying the payment result is realized through the execution of the application program. In the case of the present embodiment, the payment result notification QR code generation unit 25 generates a QR code indicating the payment result and the transaction content information received from the payment relay server 30B. Information on the content of the transaction includes the transaction number, the amount of the transaction, and the like. The QR code generated by the payment result notification QR code generation unit 25 is displayed on the operation display unit 23.

(Flow of payment processing)
FIG. 13 is a diagram illustrating an outline of a payment process executed on the electronic payment system 1B described in the third embodiment. In FIG. 13, a reference numeral corresponding to a portion corresponding to that in FIG. 4 is added. In addition, S in the figure means a step.
Also in the case of the third embodiment, the series of processes is started when the amount of the purchased goods or the like is input to the POS terminal 10B installed in the store and the settlement amount is fixed (step 1). At this point, the first payment information including the payment amount is generated.

Next, the POS terminal 10 displays a message prompting reading on the operation display unit 13 (see FIG. 2) (step 2), and displays a QR code for payment (step 3). The QR code for payment includes the first payment information. Also in the case of the present embodiment, the order of executing the message display and the QR code display for payment may be reversed, or they may be displayed at the same time using the same screen.
When the message is displayed, the user of the electronic payment service reads the QR code for payment displayed on the operation display unit 13 using the smartphone 20A in which the application program for payment is activated (step 4).
The smartphone 20A decodes the read QR code for payment, and notifies the payment relay server 30B of the information obtained by adding its own information requesting payment to the decoded information as the second payment information. The second payment information is generated by the application program installed on the smartphone 20A.

The payment relay server 30B notifies the corresponding payment operator server 40 of the received second payment information.
The payment operator server 40 extracts the information of the user who is the target of payment from the second payment information, and executes the payment processing for the target user (step 21). Specifically, the payment operator server 40 subtracts the payment amount notified in the second payment information from the target user's account and deposits it in the store's account, and the settlement relay server confirms the conclusion of the transaction. Return to 30B.
The notification of the completion of the transaction is notified to the smartphone 20A used for the transaction by the payment relay server 30B.
When the smartphone 20A in the present embodiment receives the notification of the completion of the transaction, it generates a QR code used for notifying the result of the completed transaction (step 22) and displays it on the operation display unit 23 (see FIG. 12) (see FIG. 12). Step 23).

When the QR code for payment result notification is displayed, the staff on the store side uses the QR code reader 101 (see FIG. 11) to display the QR code for payment result notification displayed on the smartphone 20A on the POS terminal. Read to 10B (step 24).
Subsequently, the POS terminal 10B displays the read settlement result and information on the transaction on the operation display unit 13 (see FIG. 2) of the POS terminal 10B.
In the example of FIG. 13, the process is terminated when the information read from the QR code for notification of the payment result is displayed, but the read information such as the payment amount may be taken into the POS terminal 10B.

Further, the POS terminal 10B may be provided with a function of matching the settled amount with the amount of the first payment information. In addition, a function of notifying the staff of the store of the result of the match may be further added.
As described above, in the case of the present embodiment, the electronic payment system 1B can be realized by utilizing the smartphone 20A operated by the user. In addition, the payment result received by the smartphone 20A is imported into the POS terminal 10B through the QR code displayed on the smartphone 20A, and the captured content is displayed on the POS terminal 10B, so that the confirmation of the payment result can be confirmed on the display screen of the smartphone 20A. Compared to the case of using it, the contents of the completed transaction can be confirmed more reliably.

In the case of the third embodiment, the payment result notified from the payment relay server 30B is delivered to the POS terminal 10B using the QR code for payment result notification displayed on the smartphone 20A, but the short-range wireless communication is used. FeliCa (registered trademark) or the like, which is an example of a communication standard, may be used. If a reader / writer corresponding to FeliCa is already connected to the POS terminal 10B, it is not necessary to newly install the QR code reader 101.
Further, in the third embodiment, the payment relay server 30B is used, but a system configuration that does not use the payment relay server 30B is also possible.

<Embodiment 4>
Subsequently, the fourth embodiment will be described.
In the above-described embodiment, electronic payment using a QR code is basically assumed, but in this embodiment, payment using a credit card will be described.
Currently, POS terminals that support credit card payments are provided with a function that allows personal authentication to be skipped when the payment amount is less than or equal to a predetermined amount. The POS terminal determines whether or not PIN (= Personal Identification Number) -less or signless payment is possible based on the amount set for each card company issuing the credit card. The PIN code is a kind of security code.
On the other hand, the needs for PIN-less or signless operation differ depending on the sales floor. For example, in a certain sales floor, there is a need to set an amount that can be settled by PIN-less or signless, separately from the card company. In addition, there are cases where it is desired to set for each sales floor whether or not to allow PIN-less or signless payment. However, it is not possible to meet these needs with POS terminals alone.

FIG. 14 is a diagram illustrating a schematic configuration of the electronic payment system 1C used in the fourth embodiment. In FIG. 14, a reference numeral corresponding to a portion corresponding to that in FIG. 1 is added.
As shown in FIG. 14, the configuration of the electronic payment system 1C described in the fourth embodiment is similar to that of the first embodiment. However, in the case of the fourth embodiment, since card payment is premised, the smartphone 20 (see FIG. 1) possessed by the service user is unnecessary.
Therefore, the electronic payment system 1C includes a POS terminal 10C installed in the store, a payment relay server 30C that relays payment information between the store and the payment business operator, and a payment business operator server operated by the payment business operator. It has 40 and.
A card reader 111 used for reading a credit card is connected to the POS terminal 10C. The POS terminal 10C adds information such as the amount to be settled to the user information read from the credit card and transmits the information to the settlement relay server 30C.

(Configuration of POS terminal 10C)
FIG. 15 is a diagram showing an example of a block diagram illustrating the configuration of the POS terminal 10C used in the fourth embodiment.
The POS terminal 10C used in the fourth embodiment has a control unit 11B for controlling the entire terminal, a storage unit 12 used for storing data and the like, and an operation display unit used for receiving operations and displaying an operation screen. As middleware, the bill processing unit 14, the coin processing unit 15, the receipt output unit 16 that outputs the receipt that is the details of the payment, the payment processing unit 120 that executes the payment through communication with the payment relay server 30C, and the middleware. The OCX unit 121, the POS application unit 122 that executes reading of card information, and the communication unit 18 used for communication with an external device are provided.

The control unit 11B in the present embodiment is also composed of a CPU, an MPU, a ROM, a RAM, and the like.
The ROM of the control unit 11B stores a basic program (operation system) executed by the CPU or MPU, various settings, and the like. The CPU and MPU use the RAM for the work area and execute the application program read from the ROM and the storage unit 12. When the CPU or MPU executes the program, the functions described below are realized.

For example, the control unit 11B has a function of the payment processing unit 120 that executes payment processing through the payment relay server 30C by associating the information read from the credit card with the payment amount to be charged to the user and the information that identifies the transaction, and the payment processing unit. The function of the OCX unit 121 that intervenes in the communication between the 120 and the POS application unit 122, the function of the POS application unit 122 that manages the payment by credit card payment, and the like are executed through the execution of the program.
The storage unit 12 is composed of a storage device such as a semiconductor memory or an HDD. In the case of the present embodiment, the storage unit 12 stores a DLL (= Dynamic Link Library) table for the card company and a DLL table for the dummy company. Here, the DLL table for the card company is prepared for each affiliated credit card. Therefore, a plurality of card company DLL tables are stored in the POS terminal 10C that can use a plurality of credit cards. The DLL table for dummy companies is used to enable payments that require personal authentication exceptionally even if the amount to be settled is within the amount that allows PIN-less payments, etc., which are set for each card company. It is a library that can be used. A DLL table for a card company and a DLL table for a dummy company are prepared in advance.

The operation display unit 13 is composed of a display that displays an operation screen of a staff member who operates the POS terminal 10C and a screen presented to the user. For the operation display unit 13, for example, a liquid crystal display or an organic EL display is used. The operation display unit 13 is provided with buttons, switches, touch sensors, and the like used by staff to input information.
The banknote processing unit 14 is a device unit that executes processing such as authenticity determination, storage of banknotes, and return of banknotes for the inserted banknotes.
The coin processing unit 15 is an apparatus unit that executes processing such as authenticity determination of inserted coins, storage of coins, and withdrawal of change coins.
The receipt output unit 16 can also be used to output a receipt on which a QR code for payment is printed.
The communication unit 18 is a communication interface and realizes communication with the payment relay server 30C via the network 50.

(Flow of payment processing 1)
FIG. 16 is a diagram schematically illustrating an example of a payment process executed on the electronic payment system 1C described in the fourth embodiment. In addition, S in the figure means a step. Note that in FIG. 16, communication between the payment relay server 30C and the payment operator server 40 (see FIG. 14) is omitted.
A series of processes is started through an operation on the POS application unit 122 on the POS terminal 10C installed in the store. Specifically, the credit card settlement transaction is started (step 31).
The transaction start is notified from the POS application unit 122 to the payment processing unit 120 through the OCX unit 121.
Upon receiving the notification, the payment processing unit 120 starts waiting for the credit card to be read (step 32).

When the payment processing unit 120 confirms the reading of the credit information through the card reader 111, the payment relay server 30C is inquired about the card information through the OCX unit 121. In response to this, the payment relay server 30C notifies the OCX unit 121 of the payment method.
Next, the OCX unit 121 confirms the payment method with the POS application unit 122. The POS application unit 122 responds whether the payment is a one-time payment or a non-one-time payment.
Upon receiving the response, the OCX unit 121 designates the card company and gives it to the payment processing unit 120 (step 33). In the case of FIG. 16, in the case of lump-sum payment, the OCX unit 121 specifies the original card company. On the other hand, in the case of payment other than one-time payment, the OCX unit 121 specifies a dummy card company.

Upon receiving the notification, the payment processing unit 120 reads the DLL table for the designated company (step 34).
For example, in the case of a lump sum payment, the settlement processing unit 120 responds to the OCX unit 121 with a PIN-less payment if the amount is within a predetermined amount by the designated company. If the amount to be settled exceeds the amount predetermined by the designated company, the payment with PIN is returned to the OCX unit 121. The returned information is notified from the OCX unit 121 to the POS application unit 122, and then notified to the payment relay server 30C.
On the other hand, in the case of payment in installments, the payment processing unit 120 reads out the DLL table for the dummy company. When the DLL table for the dummy company is read, the settlement with PIN is required regardless of the amount. That is, even if the original card company does not need a PIN, the OCX unit 121 responds that the payment is made with a PIN.
By adopting this mechanism, it is possible to omit personal authentication for lump-sum payment regardless of the amount set by the card company, but it is possible to require personal authentication other than lump-sum payment.

(Flow of payment processing 2)
Next, another flow of settlement processing will be described.
FIG. 17 is a diagram schematically illustrating another example of payment processing executed on the electronic payment system 1C described in the fourth embodiment. In addition, S in the figure means a step. In addition, in FIG. 17, a reference numeral corresponding to the portion corresponding to FIG. 16 is attached and shown.
In the case of the process shown in FIG. 17, the response from the payment relay server 30C to the OCX unit 121 is the same.
However, in the case of FIG. 17, the OCX unit 121 confirms the sales floor with the POS application unit 122. The POS application unit 122 responds with the sales floor information input by the staff on the store side.
Upon receiving the response, the OCX unit 121 specifies a card company according to the sales floor and gives it to the payment processing unit 120 (step 41). In the case of FIG. 17, when the response from the POS application unit 122 is the food department, the OCX unit 121 specifies the original card company. On the other hand, when the response from the POS application unit 122 is other than the food department, the OCX unit 121 designates a dummy card company.

Upon receiving the notification, the payment processing unit 120 reads the DLL table for the designated company (step 34).
For example, in the case of a food department, the payment processing unit 120 responds to the OCX unit 121 with a PIN-less payment if the amount is within a predetermined amount by the designated company. If the amount to be settled exceeds the amount predetermined by the designated company, the payment with PIN is returned to the OCX unit 121. The example of FIG. 17 shows a case where the predetermined amount of money is 10,000 yen. The returned information is notified from the OCX unit 121 to the POS application unit 122, and then notified to the payment relay server 30C.
On the other hand, in the case of other sales floors, the settlement processing unit 120 reads out the DLL table for the dummy company. When the DLL table for the dummy company is read, the settlement with PIN is required regardless of the amount. That is, even if the original card company does not need a PIN, the OCX unit 121 responds that payment with a PIN is required except at the food department.
By adopting this mechanism, it is possible to change the personal authentication according to the sales floor regardless of the amount of money set by the card company.

<Embodiment 5>
Subsequently, the fifth embodiment will be described.
In the present embodiment, the electronic payment using the QR code will be described again.
In the first embodiment, when the smartphone 20 (see FIG. 1) that reads the QR code issued by the POS terminal 10 (see FIG. 1) on the store side transmits to the payment relay server 30, the payment information of the POS terminal 10 and the payment information The payment relay server 30 is used to match the payment information via the smartphone 20, but in the present embodiment, a method for visually matching the payment information with the employee of the store or the user of the smartphone 20 is provided. ..

FIG. 18 is a diagram illustrating a schematic configuration of the electronic payment system 1D used in the fifth embodiment. In FIG. 18, a reference numeral corresponding to a portion corresponding to that in FIG. 1 is added.
As shown in FIG. 18, the configuration of the electronic payment system 1D described in the fifth embodiment is the same as that of the first embodiment. That is, also in the case of the fifth embodiment, the POS terminal 10D installed in the store, the smartphone 20 used by the user of the electronic payment service who purchased the goods in the store to settle the consideration, the store and the payment operator. It has a payment relay server 30D that relays payment information between the two, and a payment business server 40 operated by the payment business.

(Configuration of POS terminal 10D)
FIG. 19 is a diagram showing an example of a block diagram illustrating the configuration of the POS terminal 10D used in the fifth embodiment. In FIG. 19, a reference numeral corresponding to a portion corresponding to that in FIG. 2 is added.
The POS terminal 10D used in the fifth embodiment has a control unit 11D that controls the entire terminal, a storage unit 12 that is used for storing data and the like, and an operation display unit that is used for receiving operations and displaying an operation screen. 13, a bill processing unit 14, a coin processing unit 15, a receipt output unit 16 that outputs a receipt that is a payment statement, and a payment QR code that generates a payment QR code corresponding to the first payment information. Transaction result that displays the result of communication between the generation unit 17, the timeout management unit 17A that manages the timeout time until the payment result success information is received from the payment relay server 30D, and the payment relay server 30D on the operation display unit 13. It includes a display control unit 17B and a communication unit 18 used for communication with an external device.

The POS terminal 10D used in the present embodiment is different from the first embodiment in that a time-out management unit 17A and a transaction result display control unit 17B are provided.
The time-out management unit 17A and the transaction result display control unit 17B are realized by executing a POS-linked application program (hereinafter referred to as "OCX driver") installed in the POS terminal 10D.
When the OCX driver receives QR payment information through the POS payment API issued by another application program (hereinafter referred to as "POS application") executed by the control unit 11D, the OCX driver generates a transaction information log and stores it in the storage unit 12. .. The QR payment information includes a slip number corresponding to the amount to be settled through the QR code (hereinafter referred to as "payment amount").
When the transaction information log is generated, the timeout management unit 17A in the present embodiment starts a timer and manages whether or not payment result success information is received from the payment relay server 30D within a predetermined time. To do.
When the settlement result success information is received, the transaction result display control unit 17B displays the received settlement result success information and the like on the operation display unit 13, while the timeout is detected without receiving the settlement result success information. If so, the transaction information log is displayed on the operation display unit 13.

(Configuration of payment relay server 30D)
FIG. 20 is a diagram showing an example of a block diagram for explaining the configuration of the payment relay server 30D used in the fifth embodiment. In FIG. 20, a reference numeral corresponding to a portion corresponding to that in FIG. 3 is added.
The payment relay server 30D used in the fifth embodiment is a control unit 31D that controls the entire device, a storage unit 32 used for storing data and the like, and a payment based on QR payment information received from a smartphone 20 (see FIG. 18). It includes a settlement progress management unit 36A that manages the progress of processing, and a communication unit 37 that is used for communication with an external device.
When the settlement of the transaction is confirmed, the settlement progress management unit 36A in the present embodiment transfers the settlement result success information and the QR settlement information (hereinafter referred to as "settlement result success information, etc.") to both the POS terminal 10D and the smartphone 20. Send.

(Flow of payment processing)
FIG. 21 is a diagram illustrating an outline of a payment process executed on the electronic payment system 1D described in the fifth embodiment. In FIG. 21, a reference numeral corresponding to a portion corresponding to that in FIG. 4 is added. In addition, S in the figure means a step.
Also in the case of the fifth embodiment, in the series of processing, the amount of goods and the like purchased on the POS terminal 10D installed in the store is fixed.
When the settlement amount is confirmed, the POS terminal 10D issues a POS settlement API (step 41).
Next, the POS terminal 10D generates a transaction information log (step 42) and starts a timer (step 43). The timer here is used to manage the timeout until the payment result success information is received from the payment relay server 30D.

Next, the POS terminal 10D displays a message prompting reading on the operation display unit 13 (see FIG. 19) (step 2), and displays a QR code for payment (step 3). Also in the case of the present embodiment, the order of executing the message display and the QR code display for payment may be reversed, or they may be displayed at the same time using the same screen.
When the message is displayed, the user reads the QR code for payment displayed on the operation display unit 13 using the smartphone 20 in which the application program for payment is activated (step 4).
The smartphone 20 decodes the read QR code for payment, and notifies the payment relay server 30D of the QR payment information obtained by adding its own information requesting payment to the decoded information. The QR payment information also includes the slip number.
In the case of the present embodiment, when the payment relay server 30D confirms the establishment of the transaction (step 44), the payment relay server 30D notifies the smartphone 20 and the POS terminal 10D of the payment result success information and the payment result success information including the QR payment information.

The smartphone 20 displays the received payment result success information and the like (step 45).
On the other hand, the POS terminal 10D determines whether or not it has timed out (step 46), and if it has not timed out (that is, in the case of a negative result), determines whether or not it has received payment result information or the like (step 47). .. If a negative result is obtained in step 47, the POS terminal 10D returns to step 46 and repeats the determination.
If an affirmative result is obtained in step 47, the POS terminal 10D displays payment result success information and the like (step 48). In this case, the employee or the like operating the POS terminal 10D confirms that the settlement has been completed.
By the way, a time-out may occur before receiving the payment result success information. That is, when a positive result is obtained in step 46. In this case, it occurs when an error occurs in the communication process between the POS terminal 10D and the payment relay server 30D.

In this case, the operator who operates the POS terminal 10D cannot confirm the establishment of the formation on the operation display unit 13.
However, in the case of this embodiment, an alternative means is prepared. Specifically, the POS terminal 10D displays the contents of the transaction information log on the operation display unit 13 (step 49).
In this case, the employee on the store side or the user on the other side of the transaction visually inspects whether or not the slip number displayed on the POS terminal 10D side and the slip number displayed on the smartphone 20 side match. You can check it. That is, it is possible to confirm whether or not the payment result success information displayed on the smartphone 20 matches the current transaction.
If the two slip numbers match, the conclusion of the transaction is confirmed. On the other hand, if the two slip numbers do not match, it is confirmed that the transaction has not been completed. Therefore, the store side can avoid the transaction in which the settlement is unknown, and can avoid the loss due to the fraudulent transaction. In addition, the user who is the purchaser can also confirm the conclusion of the transaction on the spot and can feel relieved.
If the transaction can be canceled or returned using the QR code, the above-mentioned mechanism can be used for canceling the transaction or returning the product. Further, it can be used not only for settlement processing related to transactions but also for exchanging information via a QR code.

1, 1A, 1B, 1C, 1D ... Electronic payment system, 10, 10A, 10B, 10C, 10D ... POS terminal, 17 ... QR code generation unit for payment, 19, 29, 35 ... Matching processing unit, 20, 20A ... Smartphone, 25 ... QR code generation unit for payment result notification, 30, 30A, 30B, 30C, 30D ... Payment relay server, 33 ... First payment information receiving unit, 34 ... Second payment information receiving unit, 36 ... Payment progress management Department, 38 ... Second payment information notification department, 40 ... Payment operator server, 120 ... Payment processing department, 121 ... OCX department, 122 ... POX application department

Claims (9)

1. A terminal on the store side that displays the first payment information generated by the user's purchase as an identifier,
   It has a server that receives the second payment information from the user's terminal that has read the identifier.
   The server collates the first payment information received from the terminal on the store side with the second payment information received from the terminal of the user, and controls the progress of payment based on the result of the matching. Or,
   The terminal on the store side collates the second payment information received from the server with the first payment information, and transmits information according to the result of the matching to the server, and the server sends the information according to the result of the matching to the store. Control the progress of payment based on the information received from the terminal on the side,
   A payment system characterized by that.
2. If the results of the matching on the terminal on the store side do not match,
   The terminal on the store side is
   In addition to sending cancellation information requesting cancellation of payment to the server,
   A message prompting the user to read the identifier again is displayed, and the identifier is displayed again.
   The payment system according to claim 1, wherein the payment system is characterized in that.
3. If the results of the match on the server do not match
   The server
   Along with canceling the payment, the reread information requesting the reread of the identifier is transmitted to the terminal on the store side.
   The terminal on the store side is
   When the reread information is received, a message prompting the rereading of the identifier is displayed and the identifier is redisplayed.
   The payment system according to claim 1, wherein the payment system is characterized in that.
4. If the results of the match match, the server transmits the second payment information received from the user's terminal to the payment center as the third payment information.
   If the results of the match do not match, the server stops transmitting the third payment information to the payment center.
   The payment system according to claim 1, wherein the payment system is characterized in that.
5. It is a terminal on the store side that is connected to the server so that it can communicate with it.
   The terminal on the store side is
   The first payment information generated by the user's purchase is displayed as an identifier,
   After the display of the identifier, the terminal of the user who has read the identifier receives the second payment information transmitted to the server from the server, and receives the second payment information from the server.
   The first payment information and the second payment information are matched, and if the results of the matching match, the cancellation information requesting the cancellation of the payment is transmitted to the server.
   A terminal on the store side that is characterized by this.
6. It is a server that is connected to the terminal on the store side so that it can communicate with it.
   The server
   Receives the first payment information generated on the terminal on the store side due to the purchase of the user,
   The second payment information is received from the user's terminal that has read the identifier corresponding to the first payment information, and
   Re-reading information that collates the first payment information and the second payment information, and if the results of the matching do not match, cancels the payment and requests the terminal on the store side to re-read the identifier. A server characterized by sending.
7. A program that is executed on a terminal on the store side that is communicatively connected to the server.
   A function to display the first payment information generated by the user's purchase as an identifier, and
   After the display of the identifier, the function of receiving the second payment information transmitted to the server by the terminal of the user who has read the identifier from the server, and
   A program that collates the first payment information with the second payment information, and if the results of the matching do not match, executes a function of transmitting cancellation information requesting cancellation of payment to the server.
8. A program that is executed on a server that is communicatively connected to the terminal on the store side.
   A function to receive the first payment information generated on the terminal on the store side due to the purchase of the user, and
   A function to receive the second payment information from the user's terminal that has read the identifier corresponding to the first payment information, and
   Re-reading information that collates the first payment information with the second payment information, and if the results of the matching do not match, cancels the payment and requests the terminal on the store side to re-read the identifier. A program that runs the function of sending.
9. It is a program executed on the user's terminal that reads the first identifier corresponding to the first payment information generated on the store's terminal due to the user's purchase from the store's terminal.
   A function to send the second payment information, which is obtained by adding the user information to the read first identifier, to the server that executes the payment process.
   As a notification of the completion of payment processing based on the second payment information, a function of receiving information specifying the content of the transaction corresponding to the second payment information from the server, and
   A program that executes a function of displaying the information received from the server as a second identifier on the user's terminal.

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