WO2021048911A1 - Control method, information processing device, information processing system, and control program - Google Patents

Control method, information processing device, information processing system, and control program Download PDF

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Publication number
WO2021048911A1
WO2021048911A1 PCT/JP2019/035472 JP2019035472W WO2021048911A1 WO 2021048911 A1 WO2021048911 A1 WO 2021048911A1 JP 2019035472 W JP2019035472 W JP 2019035472W WO 2021048911 A1 WO2021048911 A1 WO 2021048911A1
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Prior art keywords
information
store
purchaser
settlement
purchase
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PCT/JP2019/035472
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French (fr)
Japanese (ja)
Inventor
芳樹 東角
正信 森永
藤本 真吾
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富士通株式会社
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Priority to PCT/JP2019/035472 priority Critical patent/WO2021048911A1/en
Priority to JP2021544997A priority patent/JP7188606B2/en
Publication of WO2021048911A1 publication Critical patent/WO2021048911A1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q50/00Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/20Education

Definitions

  • the present invention relates to a control method, an information processing device, an information processing system and a control program.
  • code payment a two-dimensional code such as a QR code (registered trademark) (hereinafter referred to as "code payment") is becoming widespread.
  • code payment a simple operation such as having the purchaser read the two-dimensional code displayed on the payment terminal of the store or the two-dimensional code printed on paper and presented at the store by a terminal such as a smartphone owned by the purchaser. You can complete the payment.
  • the two-dimensional code includes the account number of the settlement account (transfer destination account) and the like.
  • the purpose is to suppress the occurrence of fraudulent billing in code payment.
  • the first information regarding the settlement of the purchase of the product which is included in the code information read at the store by the purchaser terminal used by the purchaser who purchases the product in the store, is transmitted from the purchaser terminal.
  • the computer executes a process of determining whether or not the information is information, and if the determination result is affirmative, controlling the recording of the information regarding the payment of the purchase from the purchaser to the store in the blockchain. ..
  • FIG. 1 is a diagram showing a configuration example of the payment system 1 according to the first embodiment.
  • the payment system 1 includes a store terminal 30, a purchaser terminal 20, an intermediary device 10, a blockchain Ca, and the like.
  • the intermediary device 10 is connected to the store terminal 30, the purchaser terminal 20, the blockchain Ca, etc. via a network such as the Internet.
  • the store terminal 30 is, for example, a terminal for code payment installed in a certain store (hereinafter referred to as “store Y”) registered in advance as a member store of code payment.
  • the store terminal 30 displays code information for settlement (in this embodiment, a two-dimensional code such as a QR code (registered trademark) is an example) at the time of settlement of purchase of a product, or one-time described later. Accepts password input.
  • the two-dimensional code includes the purchase amount and information indicating the store account of the transfer destination (hereinafter, referred to as "store account information").
  • store account information When the one-time password is input, the store terminal 30 transmits information indicating the one-time password and payment information (purchase amount and transfer destination bank account (hereinafter referred to as "store account”) to the intermediary device 10. To do.
  • the purchaser terminal 20 is a terminal such as a smartphone possessed (portable) by a certain purchaser (hereinafter referred to as "purchaser X") who purchases a product at the store Y.
  • the purchaser terminal 20 is provided with a digital camera, and the two-dimensional code can be read using the digital camera.
  • An application program corresponding to the payment system 1 is installed in the purchaser terminal 20, and the information contained in the two-dimensional code read by the digital camera of the purchaser terminal 20 is transmitted to the mediator device 10 under the control of the application program.
  • the one-time password returned from the intermediary device 10 according to the information is received and displayed.
  • the intermediary device 10 is one or more computers that mediate transactions related to payment of the purchase amount from the purchaser to the store.
  • the information included in the two-dimensional code (transaction information described later) transmitted from the purchaser terminal 20 that has read the two-dimensional code is the same as the information transmitted from the store terminal 30 together with the one-time password.
  • the escrow transaction is realized by suspending the execution of the settlement until it is determined that the information is related to the settlement of.
  • Blockchain Ca is a blockchain that records various transactions related to settlement transactions.
  • the payment system 1 is a purchaser terminal 20 of each of the plurality of purchasers and each of the plurality of stores. May include one or more store terminals 30 of.
  • FIG. 2 is a diagram showing a hardware configuration example of the intermediary device 10 according to the first embodiment.
  • the intermediary device 10 of FIG. 2 has a drive device 100, an auxiliary storage device 102, a memory device 103, a CPU 104, an interface device 105, and the like, which are connected to each other by a bus.
  • the program that realizes the processing in the intermediary device 10 is provided by the recording medium 101.
  • the recording medium 101 on which the program is recorded is set in the drive device 100, the program is installed in the auxiliary storage device 102 from the recording medium 101 via the drive device 100.
  • the program does not necessarily have to be installed from the recording medium 101, and may be downloaded from another computer via the network.
  • the auxiliary storage device 102 stores the installed program and also stores necessary files, data, and the like.
  • the memory device 103 reads and stores the program from the auxiliary storage device 102 when the program is instructed to start.
  • the CPU 104 executes the function related to the intermediary device 10 according to the program stored in the memory device 103.
  • the interface device 105 is used as an interface for connecting to a network.
  • An example of the recording medium 101 is a portable recording medium such as a CD-ROM, a DVD disc, or a USB memory. Further, as an example of the auxiliary storage device 102, an HDD (Hard Disk Drive), a flash memory, or the like can be mentioned. Both the recording medium 101 and the auxiliary storage device 102 correspond to computer-readable recording media.
  • FIG. 3 is a diagram showing a functional configuration example of the intermediary device 10 according to the first embodiment.
  • the intermediary device 10 includes an authentication unit 11, a transaction information receiving unit 12, a withdrawal control unit 13, a holding unit 14, a one-time password generating unit 15, a payment information receiving unit 16, a verification unit 17, a transfer control unit 18, and a transfer control unit 18. It has a settlement cancellation unit 19 and the like.
  • Each of these parts is realized by a process of causing the CPU 104 to execute one or more programs installed in the intermediary device 10.
  • the intermediary device 10 also uses the user information storage unit 121, the transaction information storage unit 122, the one-time password storage unit 123, and the like.
  • Each of these storage units can be realized by using, for example, a storage device that can be connected to the auxiliary storage device 102 or the intermediary device 10 via a network.
  • the authentication unit 11 authenticates the user of the purchaser terminal 20 (that is, the purchaser X) based on the information stored in the user information storage unit 121.
  • the user information storage unit 121 stores a user ID, a password, and the like for each user registered in advance as a user of the payment system 1.
  • the transaction information receiving unit 12 receives the transaction information transmitted from the purchaser terminal 20 that has read the two-dimensional code at the store Y.
  • the transaction information includes a transaction ID, which is information for identifying a transaction related to each settlement, an amount of purchased goods (purchase amount), store account information, and the like.
  • the withdrawal control unit 13 controls the withdrawal of the purchase amount from the bank account of the purchaser X (hereinafter referred to as "purchaser account”) based on the transaction information received by the transaction information receiving unit 12.
  • the holding unit 14 holds the settlement transaction related to the transaction information by storing the transaction information received by the transaction information receiving unit 12 in the transaction information storage unit 122.
  • the one-time password generation unit 15 generates a one-time password based on the transaction ID and the like included in the transaction information received by the transaction information receiving unit 12, and transmits the one-time password to the purchaser terminal 20.
  • the purchaser terminal 20 outputs (for example, displays) the received one-time password.
  • the one-time password generated by the one-time password generation unit 15 is associated with the transaction ID and stored in the one-time password storage unit 123.
  • the payment information receiving unit 16 receives a one-time password input to the store terminal 30 and information indicating payment input to the store terminal 30 (information including purchase amount and store account information; hereinafter referred to as "payment information"). Received from the store terminal 30. That is, when the one-time password output from the purchaser terminal 20 is input to the store terminal 30, the store terminal 30 transmits the one-time password and payment information to the intermediary device 10. A signature using the private key of the store terminal 30 is added to the payment information.
  • the verification unit 17 verifies (determines) the validity of the payment information received together with the one-time password based on the one-time password and the signature added to the payment information.
  • the transfer control unit 18 controls the transfer of the purchase amount to the store account based on the transaction information stored in the transaction information storage unit 122 when the determination result of the validity of the payment information is affirmative. ..
  • the settlement cancellation unit 19 controls the process for canceling the settlement related to the transaction information stored in the transaction information storage unit 122 when the determination result of the validity of the settlement information is negative. Specifically, the settlement cancellation unit 19 controls the transfer of the purchase amount to the purchaser account based on the transaction information. As a result, the purchase amount was not actually withdrawn from the purchaser's account.
  • FIG. 4 is a sequence diagram for explaining an example of a processing procedure executed in the payment system 1 of the first embodiment.
  • the store terminal 30 is referred to as information composed of the purchase amount and the store account information (hereinafter referred to as "payment information").
  • a two-dimensional code including.) Is displayed on a liquid crystal display or the like (S120).
  • the purchaser terminal 20 reads the two-dimensional code by the digital camera or the like provided in the purchaser terminal 20 (S130). Subsequently, the purchaser terminal 20 obtains transaction information including the payment information included in the two-dimensional code and the transaction ID of the transaction related to the payment related to the payment information (hereinafter referred to as "transaction ⁇ "). It is transmitted to the intermediary device 10 (S140).
  • the user ID and password of the purchaser X are input to the purchaser terminal 20, and the purchaser terminal 20 transmits the user ID and password to the intermediary device 10.
  • the authentication unit 11 of the intermediary device 10 authenticates the user ID and password with reference to the user information storage unit 121. That is, the user information storage unit 121 stores a user ID, a password, and information indicating the user's bank account for each user registered in advance in the payment system 1.
  • the authentication unit 11 stores the user ID of the purchaser X as the login user ID in the memory device 103, generates a transaction ID, and transmits the transaction ID to the purchaser terminal 20.
  • the transaction ID is included in the transaction information transmitted from the purchaser terminal 20 in step S140. Further, the transaction ID is associated with the login user ID and stored in the memory device 103 of the intermediary device 10.
  • the withdrawal control unit 13 adds information indicating the purchaser account related to the login user ID (user ID of the purchaser X) to the transaction information.
  • the transaction information is transmitted to the blockchain Ca (S150).
  • the information indicating the purchaser account is information indicating the bank account stored in the user information storage unit 121 in association with the login user ID stored in the memory device 103.
  • the blockchain Ca records the transaction of withdrawing the purchase amount from the purchaser account in the ledger in response to the receipt of the transaction information (S160). That is, information indicating that the purchase amount has been deducted from the purchaser account of the purchaser X is recorded in the ledger. After recording the transaction, the blockchain Ca transfers the transaction information to the intermediary device 10 (S170).
  • the holding unit 14 stores the transaction information in the transaction information storage unit 122, thereby avoiding the immediate execution of the transaction ⁇ and realizing the escrow transaction (S180). ).
  • the one-time password generation unit 15 generates a one-time password based on the transaction ID (transaction ID of transaction ⁇ ) of the transaction information stored in the transaction information storage unit 122 and the current date and time (S190). ..
  • the one-time password generation unit 15 stores the one-time password in the one-time password storage unit 123 in association with the transaction ID. For example, a character string obtained by connecting a character string indicating a transaction ID and a character string indicating the current date and time by an arbitrary method may be generated as a one-time password.
  • a character string obtained by reversibly converting a character string including a character string indicating a transaction ID and a character string indicating the current date and time may be generated as a one-time password. If the transaction ID can be restored or extracted from the one-time password, the one-time password may be generated by another method. Also, the current date and time may not be used to generate the one-time password. However, by using the current date and time, it is possible to increase the randomness of the one-time password for the same transaction ID.
  • the one-time password generation unit 15 transmits the one-time password to the purchaser terminal 20 (S200).
  • the purchaser terminal 20 displays the one-time password on the liquid crystal display or the like of the purchaser terminal 20 (S210). Therefore, the purchaser X inputs the one-time password to the store terminal 30 (S220).
  • the one-time password may be entered using the numeric keypad provided in the store terminal 30.
  • the purchaser terminal 20 does not display the received one-time password as it is, but for example, encrypts the one-time password with the public key of the store terminal 30 and displays a two-dimensional code indicating the encrypted one-time password. You may generate and display the two-dimensional code on a liquid crystal display or the like. In this case, the store terminal 30 reads the two-dimensional code with a two-dimensional code scanner and decrypts the encrypted one-time password indicated by the two-dimensional code with the private key of the store terminal 30 to obtain the one-time password. You may accept the input of.
  • the store terminal 30 transmits the one-time password and the payment information signed by the private key of the store terminal 30 to the intermediary device 10 (S230).
  • the verification unit 17 verifies (determines) the validity of the payment information. (S240). Specifically, the verification unit 17 first restores or extracts the transaction ID from the received one-time password. The verification unit 17 searches the one-time password storage unit 123 for a transaction ID that matches the restored or extracted transaction ID (hereinafter, referred to as “received transaction ID”), and is associated with the searched transaction ID. Compare the time password with the received one-time password.
  • the verification unit 17 determines that the payment information is valid, and if not, the payment is made.
  • the information is determined to be invalid.
  • the fact that the payment information is valid means that the payment information is the same information related to the payment as the transaction information received in step S140.
  • the transfer control unit 18 releases the hold of the escrow transaction. Specifically, the transfer control unit 18 transfers the purchase amount to the store account (that is, purchases) based on the transaction information including the received transaction ID in the transaction information stored in the transaction information storage unit 122.
  • the execution instruction of (payment of amount) is transmitted to the blockchain Ca, and the transaction information is deleted from the transaction information storage unit 122 (S250).
  • the blockchain Ca records a transaction indicating the transfer of the purchase amount to the store account in the ledger.
  • the payment cancellation unit 19 notifies the purchaser terminal 20 corresponding to the login user ID to the received transaction ID (S260), and subsequently, the payment cancellation unit. 19 transmits an instruction to execute a transfer to the purchaser account related to the login user ID for the purchase amount included in the transaction information including the received transaction ID to the blockchain Ca, and stores the transaction information in the transaction information. It is deleted from the unit 122 (S270).
  • the blockchain Ca records a transaction indicating the transfer of the purchase amount to the purchaser account in the ledger. As a result, the withdrawal recorded in step S160 is substantially canceled.
  • the purchase amount is not undoubtedly paid based on the transaction information received from the purchaser terminal 20, but is received from the transaction information and the store terminal 30.
  • the payment information is the same information related to the payment, the payment is executed. Therefore, even when the purchaser terminal 20 reads a fake two-dimensional code, if the store terminal 30 is valid, the transaction information received from the purchaser terminal 20 is the payment information received from the store terminal 30. It is possible to detect that the information is related to the payment different from the above. As a result, it is possible to suppress the occurrence of fraudulent billing in code payment.
  • a one-time password generated from the current date and time and the transaction ID is transmitted to the purchaser terminal 20 that is the source of the transaction based on the two-dimensional code, and the one-time password is the store terminal 30. Is entered in.
  • the store terminal 30 transmits payment information to the intermediary device 10 together with the one-time password.
  • the intermediary device 10 confirms the validity of the payment information based on the one-time password. Therefore, even if the store terminal 30 is fraudulent, it is possible to suppress the occurrence of fraudulent billing in code payment.
  • the second embodiment will be described which is different from the first embodiment.
  • the same as in the first embodiment may be used without particular mention.
  • the case where the currency used by the purchaser X and the currency used by the store Y are different will be described.
  • the purchaser X uses the virtual currency A (hereinafter, simply referred to as "currency A”)
  • the store Y uses the virtual currency B (hereinafter, simply referred to as “currency B").
  • FIG. 5 is a diagram showing a configuration example of the payment system 1 according to the second embodiment.
  • the blockchain Cb is further connected to the intermediary device 10 via a network such as the Internet.
  • the blockchain Cb is a distributed ledger that records transactions related to transactions in currency B.
  • the blockchain Ca is a distributed ledger that records transactions related to transactions in currency A. It should be noted that the currency used by the purchaser X is the currency A and the currency used by the store Y is the currency B, which is set in advance in the intermediary device 10.
  • FIG. 6 is a sequence diagram for explaining an example of the processing procedure executed in the payment system 1 of the second embodiment.
  • the same steps as those in FIG. 4 are assigned the same step numbers, and the description thereof will be omitted.
  • the store terminal 30 includes the purchase amount and the payment information composed of the store account information 2
  • the dimension code is displayed on the liquid crystal display or the like of the store terminal 30 (S120a). Therefore, in step S140a, transaction information including the purchase amount in currency B is transmitted from the purchaser terminal 20 to the intermediary device 10.
  • the withdrawal control unit 13 converts the purchase amount included in the transaction information into the amount from currency B to currency A (S145). That is, in the second embodiment, the intermediary device 10 has a currency conversion function. As a result, in step S150, transaction information including the purchase amount in currency A is transmitted to the blockchain Ca.
  • the withdrawal control unit 13 receives the intermediary device 10 prepared in advance in the blockchain Ca. (S175), the purchase amount in currency A is transferred to the pool account of currency A in the blockchain Ca according to the instruction of.
  • step S240 If it is determined in step S240 that the payment information is valid, the transfer control unit 18 is included in the transaction information including the received transaction ID among the transaction information stored in the transaction information storage unit 122.
  • the purchase amount is converted from currency A to currency B (S241).
  • the transfer control unit 18 executes the withdrawal of the purchase amount in currency B from the Boolean account of currency B of the blockchain Cb by the instruction from the intermediary device 10 prepared in advance in the blockchain Cb (S175). ). Subsequently, the transfer control unit 18 transmits an execution instruction for payment of the purchase amount of currency B to the store account to the blockchain Cb based on the transaction information, and deletes the transaction information from the transaction information storage unit 122. (S250a).
  • step S270 is executed based on the currency A.
  • the intermediary device 10 in the second embodiment is, for example, "FUJITSU JOURNAL / January 24, 2018, a new blockchain technology that safely supports transactions between currencies (https://blog.global.fujitsu.com). / jp / 2018-01-24 / 01 /) ”, it may be realized by using the connection chain.
  • the transaction information is an example of the first information.
  • the payment information is an example of the second information.
  • the one-time password is an example of the third piece of information.
  • the mediator device 10 is an example of an information processing device.
  • the transaction information receiving unit 12 is an example of the first receiving unit.
  • the payment information receiving unit 16 is an example of a second receiving unit.
  • the verification unit 17 is an example of a determination unit.
  • the transfer control unit 18 is an example of a control unit.
  • the one-time password generation unit 15 is an example of a transmission unit.
  • Payment system 10 Mediation device 11 Authentication unit 12 Transaction information reception unit 13 Withdrawal control unit 14 Holding unit 15 One-time password generation unit 16 Payment information reception unit 17 Verification unit 18 Transfer control unit 19 Payment cancellation unit 20 Purchaser terminal 30 Store terminal 100 Drive device 101 Recording medium 102 Auxiliary storage device 103 Memory device 104 CPU 105 Interface device 121 User information storage unit 122 Transaction information storage unit 123 One-time password storage unit Ca Blockchain Cb Blockchain

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Abstract

According to the present invention, a computer performs a process to: receive, from a purchaser terminal used by a purchaser who purchases a product in a store, first information that relates to payment for the purchase of the product, and that is included in code information read at the store by the purchaser terminal; receive, from a store terminal, second information relating to payment for purchase of the product, said store terminal being used for payment for purchase of the product at the store; determine whether or not the first information and the second information relate to the same payment; and, if the determination result is affirmative, perform control to record, on a blockchain, information relating to the purchase payment from the purchaser to the store. This makes it possible to suppress fraudulent billing in code payment.

Description

制御方法、情報処理装置、情報処理システム及び制御プログラムControl method, information processing device, information processing system and control program
 本発明は、制御方法、情報処理装置、情報処理システム及び制御プログラムに関する。 The present invention relates to a control method, an information processing device, an information processing system and a control program.
 QRコード(登録商標)等の2次元コードを使った決済(以下、「コード決済」という。)が普及しつつある。コード決済では、店舗の決済端末に表示される2次元コード、又は紙に印字されて店舗に提示されている2次元コードを、購入者が所持するスマートフォン等の端末に読み取らせるといった簡単な操作で決済を完了できる。なお、2次元コードには決済口座(振り込み先の口座)の口座番号等が含まれている。 Payment using a two-dimensional code such as a QR code (registered trademark) (hereinafter referred to as "code payment") is becoming widespread. In code payment, a simple operation such as having the purchaser read the two-dimensional code displayed on the payment terminal of the store or the two-dimensional code printed on paper and presented at the store by a terminal such as a smartphone owned by the purchaser. You can complete the payment. The two-dimensional code includes the account number of the settlement account (transfer destination account) and the like.
特開2009-124311号公報Japanese Unexamined Patent Publication No. 2009-124311 特開2003-323512号公報Japanese Unexamined Patent Publication No. 2003-323512
 しかしながら、コード決済は便利な反面、セキュリティ面で問題が指摘されている。例えば、紙によって提示されている2次元コードについては、当該2次元コードの上に、偽の2次元コードが印字されたシールが悪意者によって貼られるといった事例が報告されている。 However, while code payment is convenient, problems have been pointed out in terms of security. For example, with respect to the two-dimensional code presented on paper, there have been reports of cases where a malicious person puts a sticker on which a fake two-dimensional code is printed on the two-dimensional code.
 また、店員が偽の決済端末を使用して、当該決済端末に表示される偽の2次元コードを購入者の端末に読み取らせるといった事例も報告されている
 これらの事例の場合、購入者の端末は偽の2次元コードを読み取ることになる。その結果、購入者は、偽の口座に代金を振り込むといったような、不正請求を受けることになる。
In addition, there have been reports of cases where a clerk uses a fake payment terminal to have the purchaser's terminal read the fake two-dimensional code displayed on the payment terminal. In these cases, the purchaser's terminal Will read a fake 2D code. As a result, the purchaser will be billed fraudulently, such as by transferring money to a fake account.
 そこで、一側面では、コード決済における不正請求の発生を抑制することを目的とする。 Therefore, on one side, the purpose is to suppress the occurrence of fraudulent billing in code payment.
 一つの案では、店舗の商品を購入する購入者が利用する購入者端末が前記店舗において読み取ったコード情報に含まれている、前記商品の購入の決済に関する第1の情報を前記購入者端末から受信し、前記店舗において前記商品の購入の決済に利用される店舗端末から商品の購入の決済に関する第2の情報を受信し、前記第1の情報と前記第2の情報とが同一の決済に関する情報であるか否かを判定し、判定結果が肯定的である場合に、前記購入者から前記店舗への前記購入の支払いに関する情報についてブロックチェーンへの記録を制御する、処理をコンピュータが実行する。 In one plan, the first information regarding the settlement of the purchase of the product, which is included in the code information read at the store by the purchaser terminal used by the purchaser who purchases the product in the store, is transmitted from the purchaser terminal. Receives and receives the second information regarding the settlement of the purchase of the product from the store terminal used for the settlement of the purchase of the product at the store, and the first information and the second information relate to the same settlement. The computer executes a process of determining whether or not the information is information, and if the determination result is affirmative, controlling the recording of the information regarding the payment of the purchase from the purchaser to the store in the blockchain. ..
 一態様によれば、コード決済における不正請求の発生を抑制することができる。 According to one aspect, it is possible to suppress the occurrence of fraudulent billing in code payment.
第1の実施の形態における決済システム1の構成例を示す図である。It is a figure which shows the configuration example of the payment system 1 in the 1st Embodiment. 第1の実施の形態における仲介装置10のハードウェア構成例を示す図である。It is a figure which shows the hardware configuration example of the intermediary device 10 in 1st Embodiment. 第1の実施の形態における仲介装置10の機能構成例を示す図である。It is a figure which shows the functional structure example of the intermediary device 10 in 1st Embodiment. 第1の実施の形態の決済システム1において実行される処理手順の一例を説明するためのシーケンス図である。It is a sequence diagram for demonstrating an example of the processing procedure executed in the payment system 1 of 1st Embodiment. 第2の実施の形態における決済システム1の構成例を示す図である。It is a figure which shows the configuration example of the payment system 1 in the 2nd Embodiment. 第2の実施の形態の決済システム1において実行される処理手順の一例を説明するためのシーケンス図である。It is a sequence diagram for demonstrating an example of the processing procedure executed in the payment system 1 of the 2nd Embodiment.
 以下、図面に基づいて本発明の実施の形態を説明する。図1は、第1の実施の形態における決済システム1の構成例を示す図である。図1において、決済システム1は、店舗端末30、購入者端末20、仲介装置10及びブロックチェーンCa等を含む。仲介装置10は、店舗端末30、購入者端末20及びブロックチェーンCa等とインターネット等のネットワークを介して接続される。 Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a diagram showing a configuration example of the payment system 1 according to the first embodiment. In FIG. 1, the payment system 1 includes a store terminal 30, a purchaser terminal 20, an intermediary device 10, a blockchain Ca, and the like. The intermediary device 10 is connected to the store terminal 30, the purchaser terminal 20, the blockchain Ca, etc. via a network such as the Internet.
 店舗端末30は、例えば、コード決済の加盟店として予め登録された或る店舗(以下、「店舗Y」という。)に設置されているコード決済用の端末である。店舗端末30は、商品の購入の決済時に決済用のコード情報(本実施の形態では、QRコード(登録商標)等の2次元コードを一例とする。)を表示したり、後述されるワンタイムパスワードの入力を受け付けたりする。当該2次元コードには、購入金額と振込先の店舗口座を示す情報(以下、「店舗口座情報」という。)とが含まれている。店舗端末30は、ワンタイムパスワードが入力されると、当該ワンタイムパスワード及び決済に関する情報(購入金額及び振込先の銀行口座(以下、「店舗口座」という。)を示す情報を仲介装置10へ送信する。 The store terminal 30 is, for example, a terminal for code payment installed in a certain store (hereinafter referred to as “store Y”) registered in advance as a member store of code payment. The store terminal 30 displays code information for settlement (in this embodiment, a two-dimensional code such as a QR code (registered trademark) is an example) at the time of settlement of purchase of a product, or one-time described later. Accepts password input. The two-dimensional code includes the purchase amount and information indicating the store account of the transfer destination (hereinafter, referred to as "store account information"). When the one-time password is input, the store terminal 30 transmits information indicating the one-time password and payment information (purchase amount and transfer destination bank account (hereinafter referred to as "store account") to the intermediary device 10. To do.
 購入者端末20は、店舗Yにおいて商品を購入する或る購入者(以下、「購入者X」という。)が所持(携帯)するスマートフォン等の端末である。購入者端末20は、デジタルカメラを備え、当該デジタルカメラを用いて2次元コードを読み取ることができる。購入者端末20には、決済システム1に対応したアプリケーションプログラムがインストールされており、当該アプリケーションプログラムによる制御により、購入者端末20のデジタルカメラで読み取られた2次元コードに含まれる情報を仲介装置10へ送信したり、当該情報に応じて仲介装置10から返信されるワンタイムパスワードを受信及び表示したりする。 The purchaser terminal 20 is a terminal such as a smartphone possessed (portable) by a certain purchaser (hereinafter referred to as "purchaser X") who purchases a product at the store Y. The purchaser terminal 20 is provided with a digital camera, and the two-dimensional code can be read using the digital camera. An application program corresponding to the payment system 1 is installed in the purchaser terminal 20, and the information contained in the two-dimensional code read by the digital camera of the purchaser terminal 20 is transmitted to the mediator device 10 under the control of the application program. The one-time password returned from the intermediary device 10 according to the information is received and displayed.
 仲介装置10は、購入者から店舗への購入金額の支払いに関する取引の仲介を行う1以上のコンピュータである。仲介装置10は、2次元コードを読み取った購入者端末20から送信される、当該2次元コードに含まれる情報(後述のトランザクション情報)が、店舗端末30からワンタイムパスワードと共に送信される情報と同一の決済に係る情報であることが判定されるまで、決済の実行を保留することで、エスクロー取引を実現する。 The intermediary device 10 is one or more computers that mediate transactions related to payment of the purchase amount from the purchaser to the store. In the intermediary device 10, the information included in the two-dimensional code (transaction information described later) transmitted from the purchaser terminal 20 that has read the two-dimensional code is the same as the information transmitted from the store terminal 30 together with the one-time password. The escrow transaction is realized by suspending the execution of the settlement until it is determined that the information is related to the settlement of.
 ブロックチェーンCaは、決済取引に関する各種の取引等が記録されるブロックチェーンである。 Blockchain Ca is a blockchain that records various transactions related to settlement transactions.
 なお、図1には、購入者端末20及び店舗端末30のそれぞれが1台しか示されていないが、決済システム1は、複数の購入者のそれぞれの購入者端末20、及び複数の店舗のそれぞれの1以上の店舗端末30を含んでもよい。 Although only one purchaser terminal 20 and one store terminal 30 are shown in FIG. 1, the payment system 1 is a purchaser terminal 20 of each of the plurality of purchasers and each of the plurality of stores. May include one or more store terminals 30 of.
 図2は、第1の実施の形態における仲介装置10のハードウェア構成例を示す図である。図2の仲介装置10は、それぞれバスで相互に接続されているドライブ装置100、補助記憶装置102、メモリ装置103、CPU104、及びインタフェース装置105等を有する。 FIG. 2 is a diagram showing a hardware configuration example of the intermediary device 10 according to the first embodiment. The intermediary device 10 of FIG. 2 has a drive device 100, an auxiliary storage device 102, a memory device 103, a CPU 104, an interface device 105, and the like, which are connected to each other by a bus.
 仲介装置10での処理を実現するプログラムは、記録媒体101によって提供される。プログラムを記録した記録媒体101がドライブ装置100にセットされると、プログラムが記録媒体101からドライブ装置100を介して補助記憶装置102にインストールされる。但し、プログラムのインストールは必ずしも記録媒体101より行う必要はなく、ネットワークを介して他のコンピュータよりダウンロードするようにしてもよい。補助記憶装置102は、インストールされたプログラムを格納すると共に、必要なファイルやデータ等を格納する。 The program that realizes the processing in the intermediary device 10 is provided by the recording medium 101. When the recording medium 101 on which the program is recorded is set in the drive device 100, the program is installed in the auxiliary storage device 102 from the recording medium 101 via the drive device 100. However, the program does not necessarily have to be installed from the recording medium 101, and may be downloaded from another computer via the network. The auxiliary storage device 102 stores the installed program and also stores necessary files, data, and the like.
 メモリ装置103は、プログラムの起動指示があった場合に、補助記憶装置102からプログラムを読み出して格納する。CPU104は、メモリ装置103に格納されたプログラムに従って仲介装置10に係る機能を実行する。インタフェース装置105は、ネットワークに接続するためのインタフェースとして用いられる。 The memory device 103 reads and stores the program from the auxiliary storage device 102 when the program is instructed to start. The CPU 104 executes the function related to the intermediary device 10 according to the program stored in the memory device 103. The interface device 105 is used as an interface for connecting to a network.
 なお、記録媒体101の一例としては、CD-ROM、DVDディスク、又はUSBメモリ等の可搬型の記録媒体が挙げられる。また、補助記憶装置102の一例としては、HDD(Hard Disk Drive)又はフラッシュメモリ等が挙げられる。記録媒体101及び補助記憶装置102のいずれについても、コンピュータ読み取り可能な記録媒体に相当する。 An example of the recording medium 101 is a portable recording medium such as a CD-ROM, a DVD disc, or a USB memory. Further, as an example of the auxiliary storage device 102, an HDD (Hard Disk Drive), a flash memory, or the like can be mentioned. Both the recording medium 101 and the auxiliary storage device 102 correspond to computer-readable recording media.
 図3は、第1の実施の形態における仲介装置10の機能構成例を示す図である。図3において、仲介装置10は、認証部11、トランザクション情報受信部12、引き落とし制御部13、保留部14、ワンタイムパスワード生成部15、決済情報受信部16、検証部17、振込制御部18及び決済取消部19等を有する。これら各部は、仲介装置10にインストールされた1以上のプログラムが、CPU104に実行させる処理により実現される。仲介装置10は、また、ユーザ情報記憶部121、トランザクション情報記憶部122及びワンタイムパスワード記憶部123等を利用する。これら各記憶部は、例えば、補助記憶装置102、又は仲介装置10にネットワークを介して接続可能な記憶装置等を用いて実現可能である。 FIG. 3 is a diagram showing a functional configuration example of the intermediary device 10 according to the first embodiment. In FIG. 3, the intermediary device 10 includes an authentication unit 11, a transaction information receiving unit 12, a withdrawal control unit 13, a holding unit 14, a one-time password generating unit 15, a payment information receiving unit 16, a verification unit 17, a transfer control unit 18, and a transfer control unit 18. It has a settlement cancellation unit 19 and the like. Each of these parts is realized by a process of causing the CPU 104 to execute one or more programs installed in the intermediary device 10. The intermediary device 10 also uses the user information storage unit 121, the transaction information storage unit 122, the one-time password storage unit 123, and the like. Each of these storage units can be realized by using, for example, a storage device that can be connected to the auxiliary storage device 102 or the intermediary device 10 via a network.
 認証部11は、購入者端末20のユーザ(すなわち、購入者X)について、ユーザ情報記憶部121に記憶されている情報に基づいて認証を行う。ユーザ情報記憶部121には、決済システム1のユーザとして予め登録されているユーザごとに、ユーザID及びパスワード等が記憶されている。 The authentication unit 11 authenticates the user of the purchaser terminal 20 (that is, the purchaser X) based on the information stored in the user information storage unit 121. The user information storage unit 121 stores a user ID, a password, and the like for each user registered in advance as a user of the payment system 1.
 トランザクション情報受信部12は、店舗Yにおいて2次元コードを読み取った購入者端末20から送信されるトランザクション情報を受信する。トランザクション情報には、各決済に係るトランザクションを識別するための情報であるトランザクションID、購入された商品の金額(購入金額)、及び店舗口座情報等を含む。 The transaction information receiving unit 12 receives the transaction information transmitted from the purchaser terminal 20 that has read the two-dimensional code at the store Y. The transaction information includes a transaction ID, which is information for identifying a transaction related to each settlement, an amount of purchased goods (purchase amount), store account information, and the like.
 引き落とし制御部13は、トランザクション情報受信部12が受信したトランザクション情報に基づいて、購入金額について、購入者Xの銀行口座(以下、「購入者口座」という。)からの引き落としを制御する。 The withdrawal control unit 13 controls the withdrawal of the purchase amount from the bank account of the purchaser X (hereinafter referred to as "purchaser account") based on the transaction information received by the transaction information receiving unit 12.
 保留部14は、トランザクション情報受信部12が受信したトランザクション情報をトランザクション情報記憶部122に記憶することで、当該トランザクション情報に係る決済取引を保留する。 The holding unit 14 holds the settlement transaction related to the transaction information by storing the transaction information received by the transaction information receiving unit 12 in the transaction information storage unit 122.
 ワンタイムパスワード生成部15は、トランザクション情報受信部12が受信したトランザクション情報に含まれるトランザクションID等に基づいてワンタイムパスワードを生成し、当該ワンタイムパスワードを購入者端末20へ送信する。購入者端末20は、受信したワンタイムパスワードを出力(例えば、表示)する。なお、ワンタイムパスワード生成部15によって生成されたワンタイムパスワードは、トランザクションIDに関連付けられてワンタイムパスワード記憶部123に記憶される。 The one-time password generation unit 15 generates a one-time password based on the transaction ID and the like included in the transaction information received by the transaction information receiving unit 12, and transmits the one-time password to the purchaser terminal 20. The purchaser terminal 20 outputs (for example, displays) the received one-time password. The one-time password generated by the one-time password generation unit 15 is associated with the transaction ID and stored in the one-time password storage unit 123.
 決済情報受信部16は、店舗端末30へ入力されたワンタイムパスワードと、店舗端末30へ入力された決済を示す情報(購入金額及び店舗口座情報を含む情報。以下「決済情報」という。)を店舗端末30から受信する。すなわち、購入者端末20において出力されたワンタイムパスワードが店舗端末30へ入力されると、店舗端末30は、当該ワンタイムパスワード及び決済情報を仲介装置10へ送信する。当該決済情報には、店舗端末30の秘密鍵を用いた署名が付加される。 The payment information receiving unit 16 receives a one-time password input to the store terminal 30 and information indicating payment input to the store terminal 30 (information including purchase amount and store account information; hereinafter referred to as "payment information"). Received from the store terminal 30. That is, when the one-time password output from the purchaser terminal 20 is input to the store terminal 30, the store terminal 30 transmits the one-time password and payment information to the intermediary device 10. A signature using the private key of the store terminal 30 is added to the payment information.
 検証部17は、ワンタイムパスワードと共に受信された決済情報の正当性を、当該ワンタイムパスワード及び当該決済情報に付加された署名等に基づいて検証(判定する)。 The verification unit 17 verifies (determines) the validity of the payment information received together with the one-time password based on the one-time password and the signature added to the payment information.
 振込制御部18は、当該決済情報の正当性の判定結果が肯定的である場合に、トランザクション情報記憶部122に記憶されているトランザクション情報に基づいて、店舗口座への購入金額の振り込みを制御する。 The transfer control unit 18 controls the transfer of the purchase amount to the store account based on the transaction information stored in the transaction information storage unit 122 when the determination result of the validity of the payment information is affirmative. ..
 決済取消部19は、該決済情報の正当性の判定結果が否定的である場合に、トランザクション情報記憶部122に記憶されているトランザクション情報に係る決済を取り消すための処理を制御する。具体的には、決済取消部19は、当該トランザクション情報に基づいて、購入者口座への購入金額の振込を制御する。その結果、購入者口座からの購入金額の引き落としは、実質的に行われなかったことになる。 The settlement cancellation unit 19 controls the process for canceling the settlement related to the transaction information stored in the transaction information storage unit 122 when the determination result of the validity of the settlement information is negative. Specifically, the settlement cancellation unit 19 controls the transfer of the purchase amount to the purchaser account based on the transaction information. As a result, the purchase amount was not actually withdrawn from the purchaser's account.
 以下、決済システム1において実行される処理手順について説明する。図4は、第1の実施の形態の決済システム1において実行される処理手順の一例を説明するためのシーケンス図である。 The processing procedure executed in the payment system 1 will be described below. FIG. 4 is a sequence diagram for explaining an example of a processing procedure executed in the payment system 1 of the first embodiment.
 店舗Yのレジにおいて、例えば、購入金額が店員によって店舗端末30に対して入力されると(S110)、店舗端末30は、購入金額及び店舗口座情報が構成する情報(以下、「決済情報」という。)を含む2次元コードを液晶ディスプレイ等に表示する(S120)。 At the cash register of the store Y, for example, when the purchase amount is input to the store terminal 30 by the clerk (S110), the store terminal 30 is referred to as information composed of the purchase amount and the store account information (hereinafter referred to as "payment information"). A two-dimensional code including.) Is displayed on a liquid crystal display or the like (S120).
 続いて、購入者Xによる購入者端末20の操作に応じ、購入者端末20は、購入者端末20が備えるデジタルカメラ等によって当該2次元コードを読み取る(S130)。続いて、購入者端末20は、当該2次元コードに含まれている決済情報と、当該決済情報に係る決済に関するトランザクション(以下、「トランザクションα」とうい。)のトランザクションIDとを含むトランザクション情報を仲介装置10へ送信する(S140)。 Subsequently, in response to the operation of the purchaser terminal 20 by the purchaser X, the purchaser terminal 20 reads the two-dimensional code by the digital camera or the like provided in the purchaser terminal 20 (S130). Subsequently, the purchaser terminal 20 obtains transaction information including the payment information included in the two-dimensional code and the transaction ID of the transaction related to the payment related to the payment information (hereinafter referred to as "transaction α"). It is transmitted to the intermediary device 10 (S140).
 なお、例えば、2次元コードの読み取り前又は読み取り後に、購入者XのユーザID及びパスワードが購入者端末20に対して入力され、購入者端末20は、仲介装置10へ当該ユーザID及びパスワードを送信する。仲介装置10の認証部11は、当該ユーザID及びパスワードについてユーザ情報記憶部121を参照して認証を行う。すなわち、ユーザ情報記憶部121には、決済システム1に対して予め登録されたユーザごとに、ユーザID、パスワード及びユーザの銀行口座を示す情報が記憶されている。認証に成功した場合、認証部11は、購入者XのユーザIDをログインユーザIDとしてメモリ装置103に記憶すると共に、トランザクションIDを生成し、購入者端末20へ送信する。当該トランザクションIDが、ステップS140において購入者端末20から送信されるトランザクション情報に含まれる。また、当該トランザクションIDは、ログインユーザIDに関連付けられて仲介装置10のメモリ装置103に記憶される。 For example, before or after reading the two-dimensional code, the user ID and password of the purchaser X are input to the purchaser terminal 20, and the purchaser terminal 20 transmits the user ID and password to the intermediary device 10. To do. The authentication unit 11 of the intermediary device 10 authenticates the user ID and password with reference to the user information storage unit 121. That is, the user information storage unit 121 stores a user ID, a password, and information indicating the user's bank account for each user registered in advance in the payment system 1. When the authentication is successful, the authentication unit 11 stores the user ID of the purchaser X as the login user ID in the memory device 103, generates a transaction ID, and transmits the transaction ID to the purchaser terminal 20. The transaction ID is included in the transaction information transmitted from the purchaser terminal 20 in step S140. Further, the transaction ID is associated with the login user ID and stored in the memory device 103 of the intermediary device 10.
 仲介装置10のトランザクション情報受信部12が当該トランザクション情報を受信すると、引き落とし制御部13は、ログインユーザID(購入者XのユーザID)に係る購入者口座を示す情報を当該トランザクション情報に追加し、当該トランザクション情報をブロックチェーンCaへ送信する(S150)。購入者口座を示す情報とは、メモリ装置103に記憶されているログインユーザIDに関連付けられてユーザ情報記憶部121に記憶されている銀行口座を示す情報である。 When the transaction information receiving unit 12 of the intermediary device 10 receives the transaction information, the withdrawal control unit 13 adds information indicating the purchaser account related to the login user ID (user ID of the purchaser X) to the transaction information. The transaction information is transmitted to the blockchain Ca (S150). The information indicating the purchaser account is information indicating the bank account stored in the user information storage unit 121 in association with the login user ID stored in the memory device 103.
 ブロックチェーンCaは、当該トランザクション情報の受信に応じ、購入者口座からの当該購入金額の引き落としのトランザクションを台帳に記録する(S160)。すなわち、購入者Xの購入者口座から購入金額が引き落とされたことを示す情報が台帳に記録される。当該トランザクションの記録後、ブロックチェーンCaは、当該トランザクション情報を仲介装置10へ転送する(S170)。 The blockchain Ca records the transaction of withdrawing the purchase amount from the purchaser account in the ledger in response to the receipt of the transaction information (S160). That is, information indicating that the purchase amount has been deducted from the purchaser account of the purchaser X is recorded in the ledger. After recording the transaction, the blockchain Ca transfers the transaction information to the intermediary device 10 (S170).
 続いて、保留部14は、当該トランザクション情報を受信すると、当該トランザクション情報をトランザクション情報記憶部122に記憶しておくことで、トランザクションαの即時的な実行を回避し、エスクロー取引を実現する(S180)。 Subsequently, when the holding unit 14 receives the transaction information, the holding unit 14 stores the transaction information in the transaction information storage unit 122, thereby avoiding the immediate execution of the transaction α and realizing the escrow transaction (S180). ).
 続いて、ワンタイムパスワード生成部15は、トランザクション情報記憶部122に記憶された当該トランザクション情報のトランザクションID(トランザクションαのトランザクションID)と現在日時とに基づいて、ワンタイムパスワードを生成する(S190)。なお、ワンタイムパスワード生成部15は、当該ワンタイムパスワードを当該トランザクションIDに関連付けてワンタイムパスワード記憶部123に記憶しておく。例えば、トランザクションIDを示す文字列と現在日時を示す文字列とを任意の方法で接続することで得られる文字列がワンタイムパスワードとして生成されてもよい。又は、トランザクションIDを示す文字列と現在日時を示す文字列とを含む文字列を可逆変換することで得られる文字列がワンタイムパスワードとして生成されてもよい。ワンタイムパスワードからトランザクションIDが復元又は抽出可能であれば、その他の方法でワンタイムパスワードが生成されてもよい。また、ワンタイムパスワードの生成に現在日時は利用されなくてもよい。但し、現在日時を利用することで、同一のトランザクションIDに対するワンタイムパスワードのランダム性を高めることができる。 Subsequently, the one-time password generation unit 15 generates a one-time password based on the transaction ID (transaction ID of transaction α) of the transaction information stored in the transaction information storage unit 122 and the current date and time (S190). .. The one-time password generation unit 15 stores the one-time password in the one-time password storage unit 123 in association with the transaction ID. For example, a character string obtained by connecting a character string indicating a transaction ID and a character string indicating the current date and time by an arbitrary method may be generated as a one-time password. Alternatively, a character string obtained by reversibly converting a character string including a character string indicating a transaction ID and a character string indicating the current date and time may be generated as a one-time password. If the transaction ID can be restored or extracted from the one-time password, the one-time password may be generated by another method. Also, the current date and time may not be used to generate the one-time password. However, by using the current date and time, it is possible to increase the randomness of the one-time password for the same transaction ID.
 続いて、ワンタイムパスワード生成部15は、当該ワンタイムパスワードを購入者端末20へ送信する(S200)。購入者端末20は、当該ワンタイムパスワードを受信すると、当該ワンタイムパスワードを購入者端末20の液晶ディスプレイ等に表示する(S210)。そこで、購入者Xは、当該ワンタイムパスワードを店舗端末30に対して入力する(S220)。例えば、店舗端末30が備えるテンキーを利用して当該ワンタイムパスワードが入力されてもよい。 Subsequently, the one-time password generation unit 15 transmits the one-time password to the purchaser terminal 20 (S200). Upon receiving the one-time password, the purchaser terminal 20 displays the one-time password on the liquid crystal display or the like of the purchaser terminal 20 (S210). Therefore, the purchaser X inputs the one-time password to the store terminal 30 (S220). For example, the one-time password may be entered using the numeric keypad provided in the store terminal 30.
 なお、購入者端末20は、受信したワンタイムパスワードをそのまま表示するのではなく、例えば、店舗端末30の公開鍵でワンタイムパスワードを暗号化し、暗号化されたワンタイムパスワードを示す2次元コードを生成して、当該2次元コードを液晶ディスプレイ等に表示してもよい。この場合、店舗端末30は、2次元コードスキャナによって当該2次元コードを読み取り、当該2次元コードが示す暗号化されたワンタイムパスワードを、店舗端末30の秘密鍵で復号することで、ワンタイムパスワードの入力を受け付けてもよい。 The purchaser terminal 20 does not display the received one-time password as it is, but for example, encrypts the one-time password with the public key of the store terminal 30 and displays a two-dimensional code indicating the encrypted one-time password. You may generate and display the two-dimensional code on a liquid crystal display or the like. In this case, the store terminal 30 reads the two-dimensional code with a two-dimensional code scanner and decrypts the encrypted one-time password indicated by the two-dimensional code with the private key of the store terminal 30 to obtain the one-time password. You may accept the input of.
 ワンタイムパスワードの入力に応じ、店舗端末30は、当該ワンタイムパスワードと、店舗端末30の秘密鍵で署名した決済情報とを仲介装置10へ送信する(S230)。 In response to the input of the one-time password, the store terminal 30 transmits the one-time password and the payment information signed by the private key of the store terminal 30 to the intermediary device 10 (S230).
 仲介装置10の決済情報受信部16が当該ワンタイムパスワード(以下、「受信ワンタイムパスワード」という。)及び当該決済情報を受信すると、検証部17は、当該決済情報の正当性を検証(判定)する(S240)。具体的には、検証部17は、まず、受信ワンタイムパスワードからトランザクションIDを復元又は抽出する。検証部17は、復元又は抽出されたトランザクションID(以下、「受信トランザクションID」という。)と一致するトランザクションIDをワンタイムパスワード記憶部123から検索し、検索されたトランザクションIDに関連付けられているワンタイムパスワードと受信ワンタイムパスワードとを比較する。両者が一致し、かつ、決済情報に付加された署名を店舗端末30の公開鍵で検証することができれば、検証部17は、当該決済情報は正当であると判定し、そうでない場合、当該決済情報は不正であると判定する。ここで、当該決済情報が正当であるとは、当該決済情報が、ステップS140において受信されたトランザクション情報と同一の決済に関する情報であることを示す。 When the payment information receiving unit 16 of the intermediary device 10 receives the one-time password (hereinafter referred to as "received one-time password") and the payment information, the verification unit 17 verifies (determines) the validity of the payment information. (S240). Specifically, the verification unit 17 first restores or extracts the transaction ID from the received one-time password. The verification unit 17 searches the one-time password storage unit 123 for a transaction ID that matches the restored or extracted transaction ID (hereinafter, referred to as “received transaction ID”), and is associated with the searched transaction ID. Compare the time password with the received one-time password. If both match and the signature added to the payment information can be verified with the public key of the store terminal 30, the verification unit 17 determines that the payment information is valid, and if not, the payment is made. The information is determined to be invalid. Here, the fact that the payment information is valid means that the payment information is the same information related to the payment as the transaction information received in step S140.
 当該決済情報が正当であると判定されると、振込制御部18は、エスクロー取引の保留を解除する。具体的には、振込制御部18は、トランザクション情報記憶部122に記憶されているトランザクション情報の中で、受信トランザクションIDを含むトランザクション情報に基づいて、店舗口座への購入金額の振り込み(すなわち、購入金額の支払い)の実行指示をブロックチェーンCaに送信すると共に、当該トランザクション情報をトランザクション情報記憶部122から削除する(S250)。ブロックチェーンCaは、店舗口座への購入金額の振り込みを示すトランザクションを台帳に記録する。 When it is determined that the payment information is valid, the transfer control unit 18 releases the hold of the escrow transaction. Specifically, the transfer control unit 18 transfers the purchase amount to the store account (that is, purchases) based on the transaction information including the received transaction ID in the transaction information stored in the transaction information storage unit 122. The execution instruction of (payment of amount) is transmitted to the blockchain Ca, and the transaction information is deleted from the transaction information storage unit 122 (S250). The blockchain Ca records a transaction indicating the transfer of the purchase amount to the store account in the ledger.
 一方、当該決済情報が正当でないと判定されると、決済取消部19は、決済不可を受信トランザクションIDにログインユーザIDに対応する購入者端末20に通知する(S260)、続いて、決済取消部19は、受信トランザクションIDを含むトランザクション情報に含まれている購入金額について、当該ログインユーザIDに係る購入者口座への振り込みの実行指示をブロックチェーンCaに送信すると共に、当該トランザクション情報をトランザクション情報記憶部122から削除する(S270)。ブロックチェーンCaは、当該購入者口座への当該購入金額の振り込みを示すトランザクションを台帳に記録する。その結果、ステップS160において記録された引き落としは実質的に取り消される。 On the other hand, if it is determined that the payment information is not valid, the payment cancellation unit 19 notifies the purchaser terminal 20 corresponding to the login user ID to the received transaction ID (S260), and subsequently, the payment cancellation unit. 19 transmits an instruction to execute a transfer to the purchaser account related to the login user ID for the purchase amount included in the transaction information including the received transaction ID to the blockchain Ca, and stores the transaction information in the transaction information. It is deleted from the unit 122 (S270). The blockchain Ca records a transaction indicating the transfer of the purchase amount to the purchaser account in the ledger. As a result, the withdrawal recorded in step S160 is substantially canceled.
 上述したように、第1の実施の形態によれば、購入者端末20から受信したトランザクション情報に基づいて疑いなく購入金額の支払いを実行するのではなく、当該トランザクション情報と店舗端末30から受信した決済情報とが同一の決済に関する情報である場合に、当該支払いが実行される。したがって、購入者端末20が偽の2次元コードを読み取らされた場合であっても、店舗端末30が正当であれば、購入者端末20から受信したトランザクション情報が、店舗端末30から受信した決済情報と異なる決済に関する情報であることを検知することができる。その結果、コード決済における不正請求の発生を抑制することができる。 As described above, according to the first embodiment, the purchase amount is not undoubtedly paid based on the transaction information received from the purchaser terminal 20, but is received from the transaction information and the store terminal 30. When the payment information is the same information related to the payment, the payment is executed. Therefore, even when the purchaser terminal 20 reads a fake two-dimensional code, if the store terminal 30 is valid, the transaction information received from the purchaser terminal 20 is the payment information received from the store terminal 30. It is possible to detect that the information is related to the payment different from the above. As a result, it is possible to suppress the occurrence of fraudulent billing in code payment.
 また、本実施の形態では、2次元コードに基づくトランザクションの送信元の購入者端末20に対して、現在日時及びトランザクションIDから生成されたワンタイムパスワードが送信され、当該ワンタイムパスワードが店舗端末30に入力される。店舗端末30は、当該ワンタイムパスワードと共に決済情報を仲介装置10へ送信する。仲介装置10は、当該ワンタイムパスワードに基づいて当該決済情報の正当性を確認する。したがって、店舗端末30が不正な場合であっても、コード決済における不正請求の発生を抑制することができる。 Further, in the present embodiment, a one-time password generated from the current date and time and the transaction ID is transmitted to the purchaser terminal 20 that is the source of the transaction based on the two-dimensional code, and the one-time password is the store terminal 30. Is entered in. The store terminal 30 transmits payment information to the intermediary device 10 together with the one-time password. The intermediary device 10 confirms the validity of the payment information based on the one-time password. Therefore, even if the store terminal 30 is fraudulent, it is possible to suppress the occurrence of fraudulent billing in code payment.
 次に、第2の実施の形態について説明する。第2の実施の形態では第1の実施の形態と異なる点について説明する。第2の実施の形態において、特に言及されない点については、第1の実施の形態と同様でもよい。 Next, the second embodiment will be described. The second embodiment will be described which is different from the first embodiment. In the second embodiment, the same as in the first embodiment may be used without particular mention.
 第2の実施の形態では、購入者Xが利用する通貨と店舗Yが使用する通貨とが異なる場合について説明する。具体的には、購入者Xは仮想通貨A(以下、単に「通貨A」という。)を使用し、店舗Yは仮想通貨B(以下、単に「通貨B」という。)を使用する。 In the second embodiment, the case where the currency used by the purchaser X and the currency used by the store Y are different will be described. Specifically, the purchaser X uses the virtual currency A (hereinafter, simply referred to as "currency A"), and the store Y uses the virtual currency B (hereinafter, simply referred to as "currency B").
 図5は、第2の実施の形態における決済システム1の構成例を示す図である。図5の決済システム1では、更に、ブロックチェーンCbがインターネット等のネットワークを介して仲介装置10に接続される。ブロックチェーンCbは、通貨Bによる取引に関するトランザクションを記録する分散台帳である。一方、第2の実施の形態において、ブロックチェーンCaは、通貨Aによる取引に関するトランザクションを記録する分散台帳である。なお、購入者Xが使用する通貨が通貨Aであり、店舗Yが使用する通貨が通貨Bであることは、予め仲介装置10に設定されている。 FIG. 5 is a diagram showing a configuration example of the payment system 1 according to the second embodiment. In the payment system 1 of FIG. 5, the blockchain Cb is further connected to the intermediary device 10 via a network such as the Internet. The blockchain Cb is a distributed ledger that records transactions related to transactions in currency B. On the other hand, in the second embodiment, the blockchain Ca is a distributed ledger that records transactions related to transactions in currency A. It should be noted that the currency used by the purchaser X is the currency A and the currency used by the store Y is the currency B, which is set in advance in the intermediary device 10.
 図6は、第2の実施の形態の決済システム1において実行される処理手順の一例を説明するためのシーケンス図である。図6中、図4と同一ステップには同一ステップ番号を付し、その説明は省略する。 FIG. 6 is a sequence diagram for explaining an example of the processing procedure executed in the payment system 1 of the second embodiment. In FIG. 6, the same steps as those in FIG. 4 are assigned the same step numbers, and the description thereof will be omitted.
 店舗Yのレジにおいて、例えば、通貨Bでの購入金額が店員によって店舗端末30に対して入力されると(S110a)、店舗端末30は、購入金額及び店舗口座情報が構成する決済情報を含む2次元コードを店舗端末30の液晶ディスプレイ等に表示する(S120a)。したがって、ステップS140aでは、通貨Bでの購入金額を含むトランザクション情報が購入者端末20から仲介装置10へ送信される。 At the cash register of the store Y, for example, when the purchase amount in the currency B is input to the store terminal 30 by the clerk (S110a), the store terminal 30 includes the purchase amount and the payment information composed of the store account information 2 The dimension code is displayed on the liquid crystal display or the like of the store terminal 30 (S120a). Therefore, in step S140a, transaction information including the purchase amount in currency B is transmitted from the purchaser terminal 20 to the intermediary device 10.
 仲介装置10のトランザクション情報受信部12が当該トランザクション情報を受信すると、引き落とし制御部13は、当該トランザクション情報に含まれている購入金額について、通貨Bから通貨Aへの金額に換算する(S145)。すなわち、第2の実施の形態において、仲介装置10は、通貨の換算機能を有する。その結果、ステップS150では、通貨Aでの購入金額を含むトランザクション情報がブロックチェーンCaへ送信される。 When the transaction information receiving unit 12 of the intermediary device 10 receives the transaction information, the withdrawal control unit 13 converts the purchase amount included in the transaction information into the amount from currency B to currency A (S145). That is, in the second embodiment, the intermediary device 10 has a currency conversion function. As a result, in step S150, transaction information including the purchase amount in currency A is transmitted to the blockchain Ca.
 ブロックチェーンCaにおいて購入者口座からの通貨Aでの購入金額の引き落としのトランザクションを台帳に記録されると(S160、S170)、引き落とし制御部13は、ブロックチェーンCaにおいて予め用意されている仲介装置10の指示でブロックチェーンCaの通貨Aのプール口座へ通貨Aでの購入金額の振り込みを実行する(S175)。 When the transaction of withdrawing the purchase amount in currency A from the purchaser account is recorded in the ledger in the blockchain Ca (S160, S170), the withdrawal control unit 13 receives the intermediary device 10 prepared in advance in the blockchain Ca. (S175), the purchase amount in currency A is transferred to the pool account of currency A in the blockchain Ca according to the instruction of.
 続いて、購入金額については通貨Aが使用されてステップS180~S240が実行される。 Subsequently, the currency A is used for the purchase amount, and steps S180 to S240 are executed.
 ステップS240において、決済情報が正当であると判定されると、振込制御部18は、トランザクション情報記憶部122に記憶されているトランザクション情報の中で、受信トランザクションIDを含むトランザクション情報に含まれている購入金額について、通貨Aから通貨Bへの換算を実行する(S241)。 If it is determined in step S240 that the payment information is valid, the transfer control unit 18 is included in the transaction information including the received transaction ID among the transaction information stored in the transaction information storage unit 122. The purchase amount is converted from currency A to currency B (S241).
 続いて、振込制御部18は、ブロックチェーンCbにおいて予め用意されている仲介装置10からの指示で、ブロックチェーンCbの通貨Bのブール口座からの通貨Bでの購入金額の引き落としを実行する(S175)。続いて、振込制御部18は、当該トランザクション情報に基づいて、店舗口座への通貨Bの購入金額の支払いの実行指示をブロックチェーンCbに送信すると共に、当該トランザクション情報をトランザクション情報記憶部122から削除する(S250a)。 Subsequently, the transfer control unit 18 executes the withdrawal of the purchase amount in currency B from the Boolean account of currency B of the blockchain Cb by the instruction from the intermediary device 10 prepared in advance in the blockchain Cb (S175). ). Subsequently, the transfer control unit 18 transmits an execution instruction for payment of the purchase amount of currency B to the store account to the blockchain Cb based on the transaction information, and deletes the transaction information from the transaction information storage unit 122. (S250a).
 なお、ステップS270は、通貨Aに基づいて実行される。 Note that step S270 is executed based on the currency A.
 なお、第2の実施の形態における仲介装置10は、例えば、「FUJITSU JOURNAL/2018年1月24日 通貨間の取引を安全に支えるブロックチェーン新技術(https://blog.global.fujitsu.com/jp/2018-01-24/01/)」において開示されている、コネクションチェーンを用いて実現されてもよい。 The intermediary device 10 in the second embodiment is, for example, "FUJITSU JOURNAL / January 24, 2018, a new blockchain technology that safely supports transactions between currencies (https://blog.global.fujitsu.com). / jp / 2018-01-24 / 01 /) ”, it may be realized by using the connection chain.
 上述したように、第2の実施の形態によれば、購入者が使用する通貨と店舗が使用する通貨とが異なる場合であっても、第1の実施の形態と同様の効果を得ることができる。 As described above, according to the second embodiment, even when the currency used by the purchaser and the currency used by the store are different, the same effect as that of the first embodiment can be obtained. it can.
 なお、上記各実施の形態において、トランザクション情報は、第1の情報の一例である。決済情報は、第2の情報の一例である。ワンタイムパスワードは、第3の情報の一例である。仲介装置10は、情報処理装置の一例である。トランザクション情報受信部12は、第1の受信部の一例である。決済情報受信部16は、第2の受信部の一例である。検証部17は、判定部の一例である。振込制御部18は、制御部の一例である。ワンタイムパスワード生成部15は、送信部の一例である。 Note that, in each of the above embodiments, the transaction information is an example of the first information. The payment information is an example of the second information. The one-time password is an example of the third piece of information. The mediator device 10 is an example of an information processing device. The transaction information receiving unit 12 is an example of the first receiving unit. The payment information receiving unit 16 is an example of a second receiving unit. The verification unit 17 is an example of a determination unit. The transfer control unit 18 is an example of a control unit. The one-time password generation unit 15 is an example of a transmission unit.
 以上、本発明の実施の形態について詳述したが、本発明は斯かる特定の実施形態に限定されるものではなく、請求の範囲に記載された本発明の要旨の範囲内において、種々の変形・変更が可能である。 Although the embodiments of the present invention have been described in detail above, the present invention is not limited to such specific embodiments, and various modifications are made within the scope of the gist of the present invention described in the claims.・ Can be changed.
1      決済システム
10     仲介装置
11     認証部
12     トランザクション情報受信部
13     引き落とし制御部
14     保留部
15     ワンタイムパスワード生成部
16     決済情報受信部
17     検証部
18     振込制御部
19     決済取消部
20     購入者端末
30     店舗端末
100    ドライブ装置
101    記録媒体
102    補助記憶装置
103    メモリ装置
104    CPU
105    インタフェース装置
121    ユーザ情報記憶部
122    トランザクション情報記憶部
123    ワンタイムパスワード記憶部
Ca     ブロックチェーン
Cb     ブロックチェーン
1 Payment system 10 Mediation device 11 Authentication unit 12 Transaction information reception unit 13 Withdrawal control unit 14 Holding unit 15 One-time password generation unit 16 Payment information reception unit 17 Verification unit 18 Transfer control unit 19 Payment cancellation unit 20 Purchaser terminal 30 Store terminal 100 Drive device 101 Recording medium 102 Auxiliary storage device 103 Memory device 104 CPU
105 Interface device 121 User information storage unit 122 Transaction information storage unit 123 One-time password storage unit Ca Blockchain Cb Blockchain

Claims (12)

  1.  店舗の商品を購入する購入者が利用する購入者端末が前記店舗において読み取ったコード情報に含まれている、前記商品の購入の決済に関する第1の情報を前記購入者端末から受信し、
     前記店舗において前記商品の購入の決済に利用される店舗端末から商品の購入の決済に関する第2の情報を受信し、
     前記第1の情報と前記第2の情報とが同一の決済に関する情報であるか否かを判定し、
     判定結果が肯定的である場合に、前記購入者から前記店舗への前記購入の支払いに関する情報についてブロックチェーンへの記録を制御する、
    処理をコンピュータが実行することを特徴とする制御方法。
    The purchaser terminal used by the purchaser who purchases the product of the store receives the first information regarding the settlement of the purchase of the product, which is included in the code information read at the store, from the purchaser terminal.
    Upon receiving the second information regarding the settlement of the purchase of the product from the store terminal used for the settlement of the purchase of the product at the store,
    It is determined whether or not the first information and the second information are information related to the same settlement, and it is determined.
    If the determination result is positive, it controls the recording in the blockchain about the information regarding the payment of the purchase from the purchaser to the store.
    A control method characterized by a computer performing processing.
  2.  前記購入者端末から受信する処理において受信された前記第1の情報に基づく第3の情報を前記購入者端末へ送信する、
    処理をコンピュータが実行し、
     前記判定する処理は、前記店舗端末から受信する処理において前記第2の情報と共に前記第3の情報が受信された場合に、前記第1の情報と前記第2の情報とが同一の決済に関する情報であると判定する、
    ことを特徴とする請求項1記載の制御方法。
    The third information based on the first information received in the process of receiving from the purchaser terminal is transmitted to the purchaser terminal.
    The computer executes the process,
    The determination process is information on payment in which the first information and the second information are the same when the third information is received together with the second information in the process received from the store terminal. Judge that
    The control method according to claim 1, wherein the control method is characterized by the above.
  3.  前記第3の情報は、前記第1の情報を識別する情報を含む、
    ことを特徴とする請求項2記載の制御方法。
    The third piece of information includes information that identifies the first piece of information.
    2. The control method according to claim 2.
  4.  店舗の商品を購入する購入者が利用する購入者端末が前記店舗において読み取ったコード情報に含まれている、前記商品の購入の決済に関する第1の情報を前記購入者端末から受信する第1の受信部と、
     前記店舗において前記商品の購入の決済に利用される店舗端末から商品の購入の決済に関する第2の情報を受信する第2の受信部と、
     前記第1の情報と前記第2の情報とが同一の決済に関する情報であるか否かを判定する判定部と、
     判定結果が肯定的である場合に、前記購入者から前記店舗への前記購入の支払いに関する情報についてブロックチェーンへの記録を制御する制御部と、
    を有することを特徴とする情報処理装置。
    The first information regarding the settlement of the purchase of the product, which is included in the code information read by the purchaser terminal used by the purchaser who purchases the product in the store, is received from the purchaser terminal. With the receiver
    A second receiving unit that receives second information regarding the settlement of the purchase of the product from the store terminal used for the settlement of the purchase of the product at the store.
    A determination unit that determines whether or not the first information and the second information are information related to the same settlement.
    When the determination result is affirmative, a control unit that controls recording on the blockchain regarding information regarding payment of the purchase from the purchaser to the store, and a control unit.
    An information processing device characterized by having.
  5.  前記購入者端末から受信する処理において受信された前記第1の情報に基づく第3の情報を前記購入者端末へ送信する送信部、
    を有し、
     前記判定部は、前記第2の受信部によって前記第2の情報と共に前記第3の情報が受信された場合に、前記第1の情報と前記第2の情報とが同一の決済に関する情報であると判定する、
    ことを特徴とする請求項4記載の情報処理装置。
    A transmitter that transmits third information based on the first information received in the process of receiving from the purchaser terminal to the purchaser terminal.
    Have,
    In the determination unit, when the third information is received together with the second information by the second receiving unit, the first information and the second information are the same information regarding the settlement. To judge,
    The information processing apparatus according to claim 4, wherein the information processing device is characterized by the above.
  6.  前記第3の情報は、前記第1の情報を識別する情報を含む、
    ことを特徴とする請求項5記載の情報処理装置。
    The third piece of information includes information that identifies the first piece of information.
    The information processing apparatus according to claim 5.
  7.  店舗の商品を購入する購入者が利用する購入者端末と、前記店舗において前記商品の購入の決済に利用される店舗端末と、情報処理装置とを含む情報処理システムであって、
     前記情報処理装置は、
     前記購入者端末が前記店舗において読み取ったコード情報に含まれている、前記商品の購入の決済に関する第1の情報を前記購入者端末から受信する第1の受信部と、
     前記店舗端末から商品の購入の決済に関する第2の情報を前記店舗端末から受信する第2の受信部と、
     前記第1の情報と前記第2の情報とが同一の決済に関する情報であるか否かを判定する判定部と、
     判定結果が肯定的である場合に、前記購入者から前記店舗への前記購入の支払いに関する情報についてブロックチェーンへの記録を制御する制御部と、
    を有することを特徴とする情報処理システム。
    An information processing system including a purchaser terminal used by a purchaser who purchases a product in a store, a store terminal used for settlement of purchase of the product in the store, and an information processing device.
    The information processing device
    A first receiving unit that receives the first information regarding the settlement of the purchase of the product, which is included in the code information read by the purchaser terminal at the store, from the purchaser terminal.
    A second receiving unit that receives the second information regarding the settlement of the purchase of the product from the store terminal from the store terminal, and
    A determination unit that determines whether or not the first information and the second information are information related to the same settlement.
    When the determination result is affirmative, a control unit that controls recording on the blockchain regarding information regarding payment of the purchase from the purchaser to the store, and a control unit.
    An information processing system characterized by having.
  8.  前記情報処理装置は、
     前記購入者端末から受信する処理において受信された前記第1の情報に基づく第3の情報を前記購入者端末へ送信する送信部、
    を有し、
     前記判定部は、前記第2の受信部によって前記第2の情報と共に前記第3の情報が受信された場合に、前記第1の情報と前記第2の情報とが同一の決済に関する情報であると判定する、
    ことを特徴とする請求項7記載の情報処理システム。
    The information processing device
    A transmitter that transmits third information based on the first information received in the process of receiving from the purchaser terminal to the purchaser terminal.
    Have,
    In the determination unit, when the third information is received together with the second information by the second receiving unit, the first information and the second information are the same information regarding the settlement. To judge,
    7. The information processing system according to claim 7.
  9.  前記第3の情報は、前記第1の情報を識別する情報を含む、
    ことを特徴とする請求項8記載の情報処理システム。
    The third piece of information includes information that identifies the first piece of information.
    8. The information processing system according to claim 8.
  10.  店舗の商品を購入する購入者が利用する購入者端末が前記店舗において読み取ったコード情報に含まれている、前記商品の購入の決済に関する第1の情報を前記購入者端末から受信し、
     前記店舗において前記商品の購入の決済に利用される店舗端末から商品の購入の決済に関する第2の情報を受信し、
     前記第1の情報と前記第2の情報とが同一の決済に関する情報であるか否かを判定し、
     判定結果が肯定的である場合に、前記購入者から前記店舗への前記購入の支払いに関する情報についてブロックチェーンへの記録を制御する、
    処理をコンピュータが実行させることを特徴とする制御プログラム。
    The purchaser terminal used by the purchaser who purchases the product of the store receives the first information regarding the settlement of the purchase of the product, which is included in the code information read at the store, from the purchaser terminal.
    Upon receiving the second information regarding the settlement of the purchase of the product from the store terminal used for the settlement of the purchase of the product at the store,
    It is determined whether or not the first information and the second information are information related to the same settlement, and it is determined.
    If the determination result is positive, it controls the recording in the blockchain about the information regarding the payment of the purchase from the purchaser to the store.
    A control program characterized in that a computer executes processing.
  11.  前記購入者端末から受信する処理において受信された前記第1の情報に基づく第3の情報を前記購入者端末へ送信する、
    処理をコンピュータに実行させ、
     前記判定する処理は、前記店舗端末から受信する処理において前記第2の情報と共に前記第3の情報が受信された場合に、前記第1の情報と前記第2の情報とが同一の決済に関する情報であると判定する、
    ことを特徴とする請求項10記載の制御プログラム。
    The third information based on the first information received in the process of receiving from the purchaser terminal is transmitted to the purchaser terminal.
    Let the computer do the work
    The determination process is information on payment in which the first information and the second information are the same when the third information is received together with the second information in the process received from the store terminal. Judge that
    10. The control program according to claim 10.
  12.  前記第3の情報は、前記第1の情報を識別する情報を含む、
    ことを特徴とする請求項11記載の制御プログラム。
    The third piece of information includes information that identifies the first piece of information.
    11. The control program according to claim 11.
PCT/JP2019/035472 2019-09-10 2019-09-10 Control method, information processing device, information processing system, and control program WO2021048911A1 (en)

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