WO2021048911A1 - 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 - Google Patents

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 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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WIPO (PCT)
Prior art keywords
information
store
purchaser
settlement
purchase
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Ceased
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PCT/JP2019/035472
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English (en)
French (fr)
Japanese (ja)
Inventor
芳樹 東角
正信 森永
藤本　真吾
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Fujitsu Ltd
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Fujitsu Ltd
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Priority to PCT/JP2019/035472 priority Critical patent/WO2021048911A1/ja
Priority to JP2021544997A priority patent/JP7188606B2/ja
Publication of WO2021048911A1 publication Critical patent/WO2021048911A1/ja
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/20—Education

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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PCT/JP2019/035472 2019-09-10 2019-09-10 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 Ceased WO2021048911A1 (ja)

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JP2021544997A JP7188606B2 (ja) 2019-09-10 2019-09-10 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

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Publication number Priority date Publication date Assignee Title
JP7153153B1 (ja) 2022-02-15 2022-10-13 Kddi株式会社 情報処理装置及び情報処理方法
DE102022204754A1 (de) 2022-05-16 2023-11-16 Henkel Ag & Co. Kgaa Textilwaschverfahren

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WO2001088785A1 (en) * 2000-05-19 2001-11-22 Keiichi Nakajima Electronic settlement system, settlement device, and terminal
JP2002163584A (ja) * 2000-11-24 2002-06-07 Fujitsu Ltd 携帯情報端末を利用したカード決済方法及びシステム
JP2005301896A (ja) * 2004-04-15 2005-10-27 Ntt Docomo Inc 決済システム及び決済サーバ
JP2012216155A (ja) * 2011-04-01 2012-11-08 Japan Research Institute Ltd 決済サーバおよび決済システム
US20150058145A1 (en) * 2013-05-10 2015-02-26 Sergio Luciani Universal check-out system for Mobile Payment Applications/Platforms
JP2018088076A (ja) * 2016-11-28 2018-06-07 沖電気工業株式会社 決済システム、情報処理装置、決済方法、プログラム

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Publication number Priority date Publication date Assignee Title
WO2001088785A1 (en) * 2000-05-19 2001-11-22 Keiichi Nakajima Electronic settlement system, settlement device, and terminal
JP2002163584A (ja) * 2000-11-24 2002-06-07 Fujitsu Ltd 携帯情報端末を利用したカード決済方法及びシステム
JP2005301896A (ja) * 2004-04-15 2005-10-27 Ntt Docomo Inc 決済システム及び決済サーバ
JP2012216155A (ja) * 2011-04-01 2012-11-08 Japan Research Institute Ltd 決済サーバおよび決済システム
US20150058145A1 (en) * 2013-05-10 2015-02-26 Sergio Luciani Universal check-out system for Mobile Payment Applications/Platforms
JP2018088076A (ja) * 2016-11-28 2018-06-07 沖電気工業株式会社 決済システム、情報処理装置、決済方法、プログラム

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP7153153B1 (ja) 2022-02-15 2022-10-13 Kddi株式会社 情報処理装置及び情報処理方法
JP2023118282A (ja) * 2022-02-15 2023-08-25 Kddi株式会社 情報処理装置及び情報処理方法
JP2023118657A (ja) * 2022-02-15 2023-08-25 Kddi株式会社 情報処理装置及び情報処理方法
JP7495458B2 (ja) 2022-02-15 2024-06-04 Kddi株式会社 情報処理装置及び情報処理方法
DE102022204754A1 (de) 2022-05-16 2023-11-16 Henkel Ag & Co. Kgaa Textilwaschverfahren
WO2023222269A1 (de) 2022-05-16 2023-11-23 Henkel Ag & Co. Kgaa Textilwaschverfahren
EP4700106A2 (de) 2022-05-16 2026-02-25 Henkel AG & Co. KGaA Textilwaschverfahren

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