WO2022195802A1 - Dispositif de traitement d'informations, système de traitement d'informations, procédé de traitement d'informations et support non transitoire lisible par ordinateur - Google Patents

Dispositif de traitement d'informations, système de traitement d'informations, procédé de traitement d'informations et support non transitoire lisible par ordinateur Download PDF

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Publication number
WO2022195802A1
WO2022195802A1 PCT/JP2021/011070 JP2021011070W WO2022195802A1 WO 2022195802 A1 WO2022195802 A1 WO 2022195802A1 JP 2021011070 W JP2021011070 W JP 2021011070W WO 2022195802 A1 WO2022195802 A1 WO 2022195802A1
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WIPO (PCT)
Prior art keywords
user
payment
information
authentication
service
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PCT/JP2021/011070
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English (en)
Japanese (ja)
Inventor
ほなみ 幸
憲由 平本
Original Assignee
日本電気株式会社
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Application filed by 日本電気株式会社 filed Critical 日本電気株式会社
Priority to JP2023506624A priority Critical patent/JPWO2022195802A5/ja
Priority to PCT/JP2021/011070 priority patent/WO2022195802A1/fr
Publication of WO2022195802A1 publication Critical patent/WO2022195802A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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

Definitions

  • the present disclosure relates to an information processing device, an information processing system, an information processing method, and a non-temporary computer-readable medium, and particularly an information processing device, an information processing system, an information processing method, and a non-temporary computer-readable medium for performing payment processing by biometric authentication.
  • computer readable medium for performing payment processing by biometric authentication.
  • Patent Document 1 discloses a biometric information authentication payment system that accepts a payment system such as a credit card company as a payment destination from a customer and, if biometric authentication is successful, makes payment to the specified payment destination. .
  • Patent Literature 2 describes a transportation facility that issues an IC card that allows users who work outside of a contracted customer (company) to set whether the transportation fee is borne by the individual or the company.
  • a management system is disclosed.
  • Patent Document 3 when a corporate SF card is used at a ticket gate, it is determined that the company is in the process of permitting use, and the fare value is held for a predetermined period on the premise of credit from the card company to the company.
  • An electronic passenger ticketing system is disclosed that processes as if a
  • the biometric information authentication payment system described in Patent Document 1 above does not describe, for example, making payments borne by the company or applying payment methods of other payment services to which the company subscribes. Therefore, there is a problem that it is difficult for employees to directly apply the payment method of the payment service to which the company subscribes.
  • Patent Literatures 2 and 3 do not sufficiently disclose a mechanism for suitable utilization.
  • the above problem is not limited to the case where the user belongs to a company and uses the payment method of the payment service to which the company is a member. The same is true when using the settlement method of the settlement service.
  • the purpose of the present disclosure is to provide an information processing device, an information processing method, and a non-temporary computer-readable medium that allow members to suitably use the settlement service to which the affiliated organization subscribes. be.
  • An information processing device includes: a registration means for registering, for each user, a payment method of a payment service to which the user's affiliated organization subscribes, in association with the biometric information of the user; Authentication control means for performing biometric authentication based on the photographed image when a photographed image of the user photographed for payment for a predetermined service is acquired; payment processing means for executing payment processing for the predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and a predetermined condition is satisfied.
  • An information processing system includes: an authentication terminal that generates a photographed image of a user for payment for a predetermined service; an information processing device communicably connected to the authentication terminal, The information processing device is a registration means for registering, for each user, a payment method of a payment service to which the user's affiliated organization subscribes, in association with the biometric information of the user; Authentication control means for performing biometric authentication based on the captured image when the captured image of the user is acquired; payment processing means for executing payment processing for the predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and a predetermined condition is satisfied.
  • An information processing method includes: a registration step of registering, for each user, the payment method of the payment service to which the user's affiliated organization subscribes, in association with the user's biometric information; an authentication control step of performing biometric authentication based on the photographed image of the user when the photographed image of the user photographed for payment for a predetermined service is obtained; and a payment processing step of executing payment processing for the predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and a predetermined condition is satisfied.
  • a non-transitory computer-readable medium includes: a registration process for registering, for each user, the payment method of the payment service to which the user's affiliated organization subscribes, in association with the user's biometric information; Authentication control processing for performing biometric authentication based on the photographed image when a photographed image of the user photographed for payment for a predetermined service is acquired; A program for causing a computer to execute: payment processing for executing payment processing for the predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and a predetermined condition is satisfied; is stored.
  • an information processing device an information processing method, and a non-temporary computer-readable medium that allow members to suitably use payment services to which members belong.
  • FIG. 1 is a block diagram showing the configuration of an information processing apparatus according to a first embodiment
  • FIG. 3 is a diagram showing the flow of an information processing method according to the first embodiment
  • FIG. 2 is a block diagram showing the overall configuration of an information processing system according to a second embodiment
  • FIG. 2 is a block diagram showing the configuration of a face authentication device according to a second embodiment
  • FIG. 9 is a flowchart showing the flow of face information registration processing according to the second embodiment
  • 9 is a flow chart showing the flow of face authentication processing according to the second embodiment
  • FIG. 9 is a block diagram showing the configuration of an authentication terminal according to the second embodiment
  • FIG. FIG. 8 is a block diagram showing the configuration of a user terminal according to the second embodiment
  • FIG. 8 is a block diagram showing the configuration of a company management device according to the second embodiment
  • FIG. 2 is a block diagram showing the configuration of an information processing apparatus according to a second embodiment
  • FIG. FIG. 10 is a diagram showing an example of the data structure of user information according to the second embodiment
  • FIG. FIG. 10 is a diagram showing an example of the data structure of payment method information according to the second embodiment
  • FIG. 9 is a flow chart showing the flow of usage registration processing and user registration processing according to the second embodiment.
  • 9 is a flowchart showing the flow of user information change processing according to the second embodiment
  • 9 is a flowchart showing the flow of payment processing according to the second embodiment
  • FIG. 11 is a sequence diagram showing an example of the flow of usage registration processing, user registration processing, and user information change processing according to the second embodiment;
  • FIG. 10 is a diagram showing an input screen for company registration information according to the second embodiment;
  • FIG. 11 is a diagram showing an input screen for user registration according to the second embodiment;
  • FIG. 11 is a sequence diagram showing an example of the flow of payment processing according to the second embodiment;
  • FIG. 11 is a diagram showing an example of display on an authentication terminal according to the second embodiment;
  • FIG. FIG. 11 is a diagram showing an example of display on an authentication terminal according to the second embodiment;
  • FIG. FIG. 11 is a diagram showing an example of display on an authentication terminal according to the second embodiment;
  • FIG. FIG. 12 is a sequence diagram showing an example of the flow of payment processing according to a modification of the second embodiment;
  • FIG. 1 is a block diagram showing the configuration of an information processing apparatus 10 according to the first embodiment.
  • the information processing device 10 is a computer device for performing payment processing using biometric authentication.
  • Biometric authentication is face, fingerprint, iris or vein authentication, or other biometric authentication.
  • the information processing device 10 is connected to a network (not shown).
  • a network may be wired or wireless.
  • An authentication terminal (not shown) is also connected to the network for photographing a user and generating a photographed image for payment for a predetermined service.
  • the information processing device 10 is communicably connected to the authentication terminal via the network.
  • the captured image includes at least part of the user's body.
  • the information processing device 10 includes a registration unit 11 , an authentication control unit 12 and a payment processing unit 14 .
  • the registration unit 11 is also called registration means, and registers, for each user, the payment method of the payment service to which the user's affiliated organization subscribes, in association with the user's biometric information.
  • the biometric information may be face, fingerprint, iris or vein feature information, or other biometric information.
  • the organization to which the user belongs is an organization to which the user belongs as a member, and may be, for example, a company (company) in which the user works as an employee.
  • the payment service is a payment-related service to which the affiliated organization subscribes or has a contract. Payment services include subscription services for affiliated organizations, membership services for which members of affiliated organizations can register, subscription services for which members of affiliated organizations can subscribe, prescribed group discount services, and payment by affiliated organizations. It may include at least one previously registered payment service.
  • the payment method is a method specified or agreed upon when a contract for various payment services is made. For example, in a payment method for a subscription service in which an affiliated organization subscribes, the affiliated organization pays a predetermined fee as a contractor, and the user U, who is a member of the organization, can use the specified service without bearing a financial burden. available for a certain period of time.
  • members of affiliated organizations can register, members can register as members of membership services by partnering with affiliated organizations with operators of membership services. You can receive the specified service at a discounted price.
  • members can subscribe to subscription services by affiliated organizations partnering with subscription service providers.
  • the subscriber can use the designated service for a certain period of time by paying a predetermined fee.
  • the organization to which the member belongs is affiliated with the provider of the predetermined service, so that the member can use the predetermined service at a discounted price from the normal price.
  • the affiliated organization in which the affiliated organization is registered as the payee, can be the payee for part or all of the payment for the member's use of the service.
  • the authentication control unit 12 is also called authentication control means, and when it acquires a photographed image of the user taken for payment for a predetermined service, performs biometric authentication based on the photographed image.
  • a predetermined service is a service that the user has used or plans to use.
  • the authentication control unit 12 performs biometric authentication by matching the biometric information for authentication based on the captured image of the user taken for payment for the predetermined service with the biometric information for registration.
  • the payment processing unit 14 also called payment processing means, executes payment processing for a predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when biometric authentication is successful and predetermined conditions are met.
  • FIG. 2 is a diagram showing the flow of the information processing method according to the first embodiment.
  • the registration unit 11 registers the payment method of the payment service to which the user's affiliated organization subscribes, in association with the user's biometric information (S10).
  • the authentication control unit 12 acquires a photographed image of the user using the predetermined service, which is used for payment for the predetermined service (S11).
  • the authentication control unit 12 performs biometric authentication using biometric information for authentication generated based on the captured image (S12).
  • the information processing apparatus 10 determines whether or not the biometric authentication is successful and a predetermined condition is satisfied (S13).
  • the payment processing unit 14 When it is determined that the biometric authentication is successful and the predetermined conditions are satisfied (Yes in S13), the payment processing unit 14 applies the payment method of the payment service to which the affiliated organization subscribes (S14). Then, the payment processing unit 14 executes the payment processing for the predetermined service used by the user using the payment method (S15), and ends the processing. On the other hand, if the biometric authentication is successful and it is not determined that the predetermined condition is satisfied, that is, if the biometric authentication fails, or if the predetermined condition is not satisfied (No in S13), the information processing apparatus 10 ends the process.
  • the information processing apparatus 10 executes payment processing for a predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and the predetermined condition is satisfied. do. Therefore, by allowing the user to use the payment method of the organization to which he/she belongs, and by setting usage conditions, it is possible to prevent abuse and encourage appropriate usage. In addition, the user does not need to know whether a payment method is available each time a payment is made, and there is no need to offer an available payment method each time a payment is made, thereby improving convenience. As a result, the user can preferably use the payment service to which the organization to which the user belongs belongs.
  • the information processing apparatus 10 includes a processor, a memory, and a storage device (not shown). Further, the storage device stores a computer program in which the processing of the information processing method according to the present embodiment is implemented. Then, the processor loads the computer program from the storage device into the memory and executes the computer program. Thereby, the processor implements the functions of the registration unit 11 , the authentication control unit 12 , and the payment processing unit 14 .
  • the registration unit 11, the authentication control unit 12, and the payment processing unit 14 may each be realized by dedicated hardware.
  • part or all of each component of each device may be realized by general-purpose or dedicated circuitry, processors, etc., or combinations thereof. These may be composed of a single chip, or may be composed of multiple chips connected via a bus. A part or all of each component of each device may be implemented by a combination of the above-described circuits and the like and programs.
  • CPU Central Processing Unit
  • GPU Graphics Processing Unit
  • FPGA field-programmable gate array
  • each component of the information processing device 10 when part or all of each component of the information processing device 10 is realized by a plurality of information processing devices, circuits, etc., the plurality of information processing devices, circuits, etc. may be centrally arranged, They may be distributed.
  • the information processing device, circuits, and the like may be implemented as a form in which each is connected via a communication network, such as a client-server system, a cloud computing system, or the like.
  • the functions of the information processing device 10 may be provided in a SaaS (Software as a Service) format.
  • FIG. 3 is a block diagram showing the overall configuration of an information processing system 1000 according to the second embodiment.
  • the information processing system 1000 is a computer system that performs payment processing using biometric authentication.
  • biometric authentication will be described by taking face authentication as an example.
  • the information processing system 1000 includes a face authentication device 100, an information processing device 300, authentication terminals 400-1 to 400-n (n is a natural number equal to or greater than 1), a user terminal 500, and a company management device 600.
  • Each device and terminal are connected to each other via a network N.
  • the network N is a wired or wireless communication line.
  • ⁇ payment method of the payment service to which the company subscribes'' may be referred to as a ⁇ company-related payment method'' or a ⁇ company-related payment method''.
  • Each of the authentication terminals 400-1 to 400-n is installed in facilities A1, A2, . . . An.
  • the facility may be a facility or store operated by an entity affiliated with Company B.
  • the "facility or store” may be each station, bus stop or bus itself of a transportation system that provides a means of transportation (passenger transportation service).
  • "facility or store” refers to a dormitory or hotel operated by a company that provides accommodation services, a cafeteria or restaurant operated by a company that provides food and drink services, or a shop that is operated by a company that provides retail services. you can
  • the facility when user U goes on a business trip for a predetermined period to affiliated company C affiliated with company B, the facility is operated by affiliated company C of the business trip destination, or is affiliated with affiliated company C. It may be a store.
  • the facility may be a bus, a dormitory, a canteen or restaurant, or a shop dedicated to the employees of Partner Company C.
  • User U's company B has registered company registration information, which is information about company B. Also, the user U registers his own face information and user information, which is information about the user U, in advance. Here, when the user U goes on a business trip, the user U registers information on a business trip period and a business trip destination as user information. As a result, the user U can receive services by facial recognition at facilities A1, A2, . At this time, if it is determined that the user U is an employee of the company B and satisfies a predetermined condition described later, the user U applies a predetermined settlement method among the settlement methods related to the company B to receive the service. Payment can be made. In addition, when there are multiple applicable company-related payment methods, the user U can select one of the payment methods.
  • user U can receive financial The service of the facility A1 can be received without any burden.
  • user U can use unlimited means of transportation (buses, trains, etc.) affiliated with company B without any financial burden on user U during the business trip.
  • a travel section that can be used without restriction may be determined in advance. If the user U subscribes to a subscription service that any employee of the company B can subscribe to and applies the subscription service, the user U pays a predetermined fee and has unlimited access to the service of the facility.
  • a group discount service to which company B subscribes when a group discount service to which company B subscribes is applied, user U pays the fee on a pay-as-you-go basis, but a predetermined discount is applied to the normal fee.
  • a predetermined discount is applied to the normal fee.
  • the price after the group discount can be paid on a case-by-case basis.
  • the service can be used once or unlimited.
  • the face authentication device 100 is an example of a biometric authentication device, and is an information processing device that stores facial feature information of a plurality of persons.
  • the face authentication device 100 compares the face image or face feature information included in the request with the face feature information of each user, and obtains a matching result (face authentication result). to the requester.
  • FIG. 4 is a block diagram showing the configuration of the face authentication device 100 according to the second embodiment.
  • the face authentication device 100 includes a face information DB (DataBase) 110 , a face detection section 120 , a feature point extraction section 130 , a registration section 140 and an authentication section 150 .
  • the face information DB 110 associates and stores a user ID 111 and face feature information 112 of the user ID.
  • the facial feature information 112 is a set of feature points extracted from a facial image, and is an example of facial information.
  • the face authentication device 100 may delete the face feature information 112 in the face feature DB 110 in response to a request from a registered user of the face feature information 112 or an affiliated organization. Alternatively, the face authentication device 100 may delete the facial feature information 112 after a certain period of time has passed since it was registered.
  • the face detection unit 120 detects a face area included in a registered image for registering face information, and supplies it to the feature point extraction unit 130 .
  • the feature point extraction unit 130 extracts feature points from the face area detected by the face detection unit 120 and supplies face feature information to the registration unit 140 . Further, the feature point extraction unit 130 extracts feature points included in the facial image received from the information processing device 300 and supplies facial feature information to the authentication unit 150 .
  • the registration unit 140 newly issues a user ID 111 when registering facial feature information.
  • the registration unit 140 associates the issued user ID 111 with the facial feature information 112 extracted from the registered image and registers them in the facial information DB 110 .
  • the authentication unit 150 performs face authentication using the facial feature information 112 . Specifically, the authentication unit 150 collates the facial feature information extracted from the facial image with the facial feature information 112 in the facial information DB 110 .
  • the authentication unit 150 replies to the information processing device 300 whether or not the facial feature information matches. Whether the facial feature information matches or not corresponds to the success or failure of the authentication. Note that matching of facial feature information (matching) means a case where the degree of matching is equal to or greater than a predetermined value.
  • FIG. 5 is a flowchart showing the flow of face information registration processing according to the second embodiment.
  • the face authentication device 100 acquires the registered image of the user U included in the face information registration request (S21).
  • the face authentication device 100 receives a face information registration request from the user terminal 500 or the company management device 600 via the network N.
  • the face information registration request source is not limited to this, and may be the information processing apparatus 300 that receives the user registration request from the user terminal 500 or the company side management apparatus 600 .
  • face detection section 120 detects a face area included in the registered image (S22).
  • the feature point extraction unit 130 extracts feature points from the face area detected in step S22, and supplies face feature information to the registration unit 140 (S23).
  • the registration unit 140 issues the user ID 111, associates the user ID 111 with the facial feature information 112, and registers them in the facial information DB 110 (S24).
  • the face authentication device 100 may receive the face feature information 112 from the face information registration requester, associate it with the user ID 111 , and register it in the face information DB 110 .
  • FIG. 6 is a flow chart showing the flow of face authentication processing by the face authentication device 100 according to the second embodiment.
  • the feature point extraction unit 130 acquires facial feature information for authentication (S31).
  • the face authentication device 100 receives a face authentication request from the information processing device 300 via the network N, and extracts facial feature information from the captured image included in the face authentication request in steps S21 to S23.
  • the face authentication device 100 may receive facial feature information from the information processing device 300 .
  • the authentication unit 150 collates the acquired facial feature information with the facial feature information 112 of the facial information DB 110 (S32).
  • the authentication unit 150 identifies the user ID 111 of the user whose facial feature information matches (S34). . Then, the authenticating unit 150 sends back to the information processing apparatus 300 the fact that the face authentication was successful and the specified user ID 111 as the face authentication result (S35). If there is no matching facial feature information (No in S33), the authentication unit 150 returns a face authentication result to the information processing apparatus 300 to the effect that the face authentication has failed (S36).
  • the authentication unit 150 does not need to attempt matching with all the facial feature information 112 in the facial information DB 110.
  • the authentication unit 150 may preferentially attempt matching with facial feature information registered during the period from the day the face authentication request was accepted until several months ago. This can improve matching speed. Also, if the preferential collation fails, it is preferable to collate with all the remaining facial feature information.
  • the authentication terminal 400 is an information terminal including a camera and a display device.
  • the authentication terminal 400 is an information terminal that is installed in one of the facilities and that can be specified by the facility ID that identifies the facility in the information processing device 300 .
  • the authentication terminal 400 captures an image for authentication used for face authentication of the user U at each installed facility. For example, the authentication terminal 400 takes a picture of the user U who has used or is planning to use a service provided by the facility in which it is installed, in order to pay for the service. In other words, the authentication terminal 400 takes an image of the user U when starting to use the service provided by the installed facility or when paying for the service. Authentication terminal 400 then transmits a face authentication request including the photographed image of user U as an image for authentication to information processing apparatus 300 via network N.
  • the authentication terminal 400 may include a facility ID for identifying the facility where the authentication terminal 400 is installed in the face authentication request. Further, the authentication terminal 400 may include the photographing time in the face authentication request.
  • the authentication terminal 400 receives the face authentication result from the information processing device 300 via the network N.
  • the face recognition result may include the success or failure of face recognition, and when the face recognition result indicates success of face recognition, may further contain information on applicable company-related payment methods.
  • the authentication terminal 400 displays such information on the screen as necessary and allows the user U to select a payment method. Then, when the face authentication is successful, the authentication terminal 400 transmits a request for electronic payment by the payment method selected by the user U to the information processing device 300 via the network N, and sends the electronic payment request to the information processing device 300. let it process.
  • the authentication terminal 400 may have the function of a settlement device that processes electronic settlement. In this case, the authentication terminal 400 performs electronic payment by the payment method selected by the user U and transmits the payment history to the information processing apparatus 300 via the network N when the face authentication is successful.
  • FIG. 7 is a block diagram showing the configuration of the authentication terminal 400 according to the second embodiment.
  • Authentication terminal 400 includes camera 410 , storage unit 420 , communication unit 430 , display unit 440 , control unit 450 , and input unit 460 .
  • the camera 410 is a photographing device that takes pictures under the control of the control unit 450 .
  • Storage unit 420 is a storage device that stores a program for realizing each function of authentication terminal 400 .
  • a communication unit 430 is a communication interface with the network N.
  • FIG. Display unit 440 is a display device.
  • Input unit 460 is an input device that receives an input.
  • the display unit 440 and the input unit 460 may be configured integrally. As an example, the display unit 440 and the input unit 460 are touch panels.
  • the control unit 450 controls hardware of the authentication terminal 400 .
  • the control unit 450 includes an imaging control unit 451 , an authentication control unit 453 , a display control unit 454 and a settlement unit 455 . Note that the display unit 440, the display control unit 454, and the input unit 460 are not essential.
  • the imaging control unit 451 controls the camera 410 to capture an authentication image of the user U.
  • the authentication image is an image including at least the face area of the user.
  • the imaging control unit 451 also supplies the authentication image to the authentication control unit 453 .
  • the authentication control unit 453 transmits a face authentication request including the authentication image to the information processing device 300 via the network N, and receives the face authentication result.
  • the authentication control section 453 may then supply the face authentication result to the display control section 454 .
  • the display control unit 454 may display the display content on the display unit 440 according to the face authentication result.
  • the payment unit 455 transmits a payment processing request including a payment method to be applied and payment information to the information processing apparatus 300 via the network N when the face authentication result indicates that the face authentication is successful. Alternatively, if the face authentication result indicates that the face authentication was successful, the payment unit 455 performs electronic payment using the applicable payment method, and transmits the payment history to the information processing apparatus 300 via the network N.
  • a user terminal 500 is an information terminal used by a user U.
  • the user terminal 500 is, for example, a mobile phone terminal, a smart phone, a tablet terminal, a PC (Personal Computer) equipped with or connected to a camera, or the like.
  • the user terminal 500 is associated with the user U's user ID.
  • the user terminal 500 is an information terminal that can be specified by the user ID in the information processing device 300 .
  • the user terminal 500 is a terminal logged in by the user U with his own user ID.
  • the user terminal 500 can transmit a user registration request (also called a user information registration request) for registering user information to the information processing device 300 via the network N.
  • a user registration request also called a user information registration request
  • the user U makes a user registration request using the user terminal 500 in order to issue a user ID and to register user information (affiliated company, etc.).
  • the user terminal 500 transmits a registration image used for face authentication of the user U to the face authentication device 100 at the time of user registration, and requests face information registration.
  • the user terminal 500 may send facial feature information extracted from the registered image to the face authentication device 100 to request face information registration.
  • the user terminal 500 may transmit the registered image and facial feature information to the face authentication device 100 via the information processing device 300 .
  • the user terminal 500 can transmit a user information change request for changing user information to the information processing device 300 via the network N.
  • the user U makes a user information change request using the user terminal 500 in order to register information on a business trip location (business trip destination) and a business trip period as user information before a business trip.
  • the user registration request and face information registration request may be made by the company management device 600 .
  • FIG. 8 is a block diagram showing the configuration of the user terminal 500 according to the second embodiment.
  • User terminal 500 includes camera 510 , storage unit 520 , communication unit 530 , display unit 540 , control unit 550 , and input unit 560 .
  • the camera 510 is an image capturing device that performs image capturing under the control of the control unit 550 .
  • the storage unit 520 is a storage device in which programs for realizing each function of the user terminal 500 are stored.
  • a communication unit 530 is a communication interface with the network N.
  • FIG. Display unit 540 is a display device.
  • Input unit 560 is an input device that receives an input.
  • the display unit 540 and the input unit 560 may be configured integrally. As an example, the display unit 540 and the input unit 560 are touch panels.
  • the control unit 550 controls hardware of the user terminal 500 .
  • the control unit 550 includes an imaging control unit 551 , a registration unit 552 , an acquisition unit 553 and a display control unit 554 .
  • the photographing control unit 551 controls the camera 510 to photograph a registered image of the user U.
  • the imaging control section 551 outputs the registration image to the registration section 552 .
  • the registration unit 552 transmits a face information registration request including the registered image to the face authentication device 100 via the network N.
  • the registration unit 552 may transmit the face information registration request to the information processing apparatus 300 via the network N.
  • the registration unit 552 transmits a user registration request or a user information change request to the information processing apparatus 300 via the network N.
  • the registration unit 552 transmits the user information received by the input unit 560 to the information processing apparatus 300 via the network N at the time of user registration or user information change.
  • the registration unit 552 may include a face information registration request including a registered image in the user registration request, or may include user information in the user registration request or the user information change request.
  • the acquisition unit 553 acquires an input form for registering or changing user information from the information processing device 300 via the network N, and outputs it to the display control unit 554 .
  • Display control unit 554 displays the input form on display unit 540 .
  • the company management device 600 is a management device of company B to which user U belongs.
  • the company management device 600 is, for example, a PC or a server computer.
  • the company management device 600 is associated with a company ID that identifies the company.
  • the company management device 600 is an information terminal that can be specified by the company ID in the information processing device 300 .
  • the company management device 600 is a terminal logged in by the administrator using the company ID.
  • the company-side management device 600 transmits a usage registration request to the information processing device 300 via the network N when starting to use payment processing using biometric authentication in the information processing system 1000 .
  • the company-side management device 600 transmits company registration information specified by the company to the information processing device 300 at the time of use registration.
  • the use registration request may include company registration information.
  • the company management device 600 receives the issued company ID from the information processing device 300 .
  • the company management device 600 can transmit a user registration request for each employee to the information processing device 300 via the network N, similarly to the user terminal 500 .
  • the company management device 600 transmits the registration image of the user U stored in its own database to the face authentication device 100 as a registration image used for face authentication of the user U at the time of user registration, and performs face information registration. make a request.
  • the company management device 600 may transmit the face information registration request to the information processing device 300 via the network N.
  • the company-side management device 600 may include a face information registration request including a registered image in the user registration request, or may include user information in the user registration request or the user information change request.
  • the company management device 600 can transmit a user information change request for each employee to the information processing device 300 via the network N, similarly to the user terminal 500 .
  • the company management device 600 issues a user information change request when the in-house attributes of the user U are changed due to organizational restructuring or personnel changes.
  • FIG. 9 is a block diagram showing the configuration of the company management device 600 according to the second embodiment.
  • the company management device 600 includes an employee DB 610 , a communication section 630 , a display section 640 , a control section 650 and an input section 660 .
  • the employee DB 610 stores an employee ID 611, a photographed image 612, and an in-house attribute 613 in association with each other.
  • the employee ID 611 is information identifying an employee, and may be an employee number.
  • the photographed image 612 is an image obtained by photographing at least the face of the employee, and may be an image used for personnel and labor management.
  • the company attributes 613 are attributes of the employee within the company, and may include, for example, department, position, type of employment (full-time/temporary/part-time), or length of service.
  • the communication unit 630 is a communication interface with the network N.
  • Display unit 640 is a display device.
  • Input unit 660 is an input device that receives an input.
  • the display unit 640 and the input unit 660 may be configured integrally like a touch panel.
  • the control unit 650 controls the hardware of the company management device 600 .
  • the information processing device 300 is an information processing device that performs face authentication using a photographed image of a user U who has used or is planning to use a service at the facility A1 or the like, and executes payment processing according to the result of the face authentication.
  • the information processing apparatus 300 presents a payment method applicable for payment for a service used by the user U, among payment methods related to the company B to which the user U belongs whose face authentication has succeeded.
  • the information processing apparatus 300 may be made redundant by a plurality of servers, and each functional block may be realized by a plurality of computers.
  • FIG. 10 is a block diagram showing the configuration of an information processing apparatus 300 according to the second embodiment.
  • the information processing device 300 includes a storage section 310 , a memory 320 , a communication section 330 and a control section 340 .
  • the storage unit 310 is a storage device such as a hard disk or flash memory.
  • Storage unit 310 stores program 311 , user information 312 , payment method information 313 , and payment history information 314 .
  • a program 311 is a computer program in which the processing of the information processing method according to the second embodiment is implemented.
  • the user information 312 is information about the user.
  • FIG. 11 is a diagram showing an example of the data structure of user information 312 according to the second embodiment.
  • the user information 312 is information in which a user ID and user attribute information are associated with each other.
  • User attribute information includes at least a company ID.
  • the user attribute information includes a company ID, an employee ID, an in-house attribute, a business trip place, a business trip period, business contents at the business trip destination, and payment personal information.
  • the company ID is information identifying the company to which the user U belongs.
  • the employee ID is identification information for managing the user U as an employee within the company.
  • Company attributes may include at least one of department, title, type of employment, and length of service.
  • a business trip location may be the name of a business trip destination, the name of an area of a business trip destination, or a facility ID associated with a business trip destination or an area of a business trip destination.
  • the business trip location may also include the company ID of the business trip destination.
  • the business trip period may be the date of the business trip, or may include the working hours at the business trip destination in addition to the date.
  • the business content at the business trip destination may be the type of business performed by the user U at the business trip destination or the purpose of the business trip. As an example, the business contents during a business trip include "field work" or "greeting visits to business partners".
  • the payment personal information is personal information indicating the billing destination when the user U bears the payment, such as the user U's account number or credit card number.
  • the user information 312 may include, as user attribute information, the location of the business trip, the period of the business trip, and the business content at the business trip destination instead of or in addition to the business trip location, the business trip period, and the business content at the business trip destination.
  • the user information 312 may also include working hours of the user U or working hours determined by the user U's company as user attribute information.
  • the settlement method information 313 is information about the settlement method.
  • FIG. 12 is a diagram showing an example of the data structure of the payment method information 313 according to the second embodiment.
  • the settlement method information 313 is information in which a company ID and company registration information are associated with each other.
  • the company registration information is information on a company-related payment method acquired from the company-side management device 600 of the company corresponding to the company ID.
  • the company registration information includes at least a payment method type or a payment method ID.
  • the company registration information associates a settlement method ID, billing destination information, available locations, available periods, and qualified users.
  • the billing destination information is information indicating the billing destination when the company bears the payment, and is, for example, a corporate or group account number or credit card number.
  • the available location indicates the conditions regarding the location for applying (using) the payment method, and may be indicated by the area where the payment method is available, the name of the facility, or the facility ID.
  • the available time indicates a time-related condition for using the payment method.
  • the available hours may be, for example, the working hours of the company. If the date or day of the week on which the payment method can be used is determined, the available time may include information on the date or day of the week.
  • Usable qualifications indicate conditions regarding qualifications for using the payment method. As an example, available qualifications may be a business traveler, a manager, a full-time employee, or "more than 5 years of service.”
  • the payment methods registered by Company B include “subscription (for normal use)”, “subscription (for business trip)", “employee discount” and "company payment”.
  • “subscription (regular use)” is available to all employees at facilities A1 and A2 during the same working hours of the company, 9:00-17:00.
  • a “subscription (for business travel)” is available to the business traveler for the duration of the business trip at facilities associated with the business travel location.
  • the payment history information 314 is the payment history of the user U using the authentication terminal 400 at each facility. Specifically, the payment history information 314 is the payment history of the user U who has successfully completed face authentication at each facility.
  • the payment history information 314 is information in which a user ID 3141, a facility ID 3142, a photographing date and time 3143, a payment method 3144, and payment information 3145 are associated with each other.
  • a user ID 3141 is a user ID included in the result of face authentication when face authentication is successful.
  • the facility ID 3142 is an example of information identifying a facility in which the authentication terminal 400 that captured the captured image for face authentication is installed. Note that the payment history information 314 may include facility location information instead of or in addition to the facility ID 3142 .
  • the payment method 3144 indicates the payment method applied by the user U for payment for the service.
  • the payment information 3145 is a history of payments made by the user U through face authentication via the authentication terminal 400 installed at each facility.
  • the payment information 3145 includes the payment amount or the product/service ID.
  • the facility information 315 is information related to the facility where the authentication terminal 400 is installed. Specifically, the facility information 315 is information that associates a facility ID 3151 with location information 3152 .
  • the place information 3152 is the location information of the facility having the facility ID 3151, and may indicate the area where the facility is located.
  • the facility information 315 may include the company ID of the company that manages the facility or the company affiliated with the facility.
  • the memory 320 is a volatile storage device such as RAM (Random Access Memory), and is a storage area for temporarily holding information when the control unit 340 operates.
  • a communication unit 330 is a communication interface with the network N. FIG.
  • the control unit 340 is a processor that controls each component of the information processing device 300, that is, a control device.
  • the control unit 340 loads the program 311 from the storage unit 310 into the memory 320 and executes the program 311 .
  • the control unit 340 implements the functions of the registration unit 341 , the authentication control unit 342 , the determination unit 343 , and the payment processing unit 344 .
  • the registration unit 341 is an example of the registration unit 11 described above.
  • the registration unit 341 receives a service usage registration request from the company management device 600 , the registration unit 341 acquires company registration information and registers the company registration information as the settlement method information 313 in the storage unit 310 . Then, the registration unit 341 issues a company ID to the newly registered company, and notifies the company management device 600 of it.
  • the registration unit 341 acquires user attribute information from the user terminal 500 or the company management device 600 when receiving a user registration request from the user terminal 500 or the company management device 600 . Then, the registration unit 341 registers the user information in the storage unit 310 as the user information 312 in association with the user ID notified when the face information of the user U is registered by the face authentication device 100 at the time of user registration. Similarly, when the registration unit 341 receives a user information change request from the user terminal 500 or the company-side management device 600, the registration unit 341 acquires the user attribute information related to the change, and based on the user attribute information related to the change, Update the user information 312 associated with the ID.
  • the user attribute information of the user information 312 corresponds to the facial feature information via the user ID. It is attached. Also, the user attribute information of the user information 312 is associated with the company registration information of the payment method information 313 via the company ID. Therefore, registration of the company registration information and the user attribute information by the registration unit 341 means that the company registration information and the user attribute information are registered in association with the user U's facial feature information. That is, the registration unit 341 has a function of registering various types of user attribute information for each user in association with the user's facial feature information. Various types of user attribute information to be registered may include working hours, business trip period or secondment period, business trip or secondment place, department, title or length of service, or business content on the business trip or secondment.
  • the authentication control unit 342 is an example of the authentication control unit 12 described above.
  • the authentication control unit 342 controls face authentication for the face area of the user U included in the captured image.
  • the authentication control unit 342 controls face authentication for the face area of the user U included in the captured images captured at each facility. That is, the authentication control unit 342 causes the face authentication device 100 to perform face authentication on the captured image acquired from the authentication terminal 400 .
  • the authentication control unit 342 transmits a face authentication request including the acquired photographed image, facility ID, and photographing date and time to the face authentication device 100 via the network N.
  • the authentication control unit 342 may detect the face area of the user U from the captured image and include the image of the face area in the face authentication request.
  • the authentication control unit 342 may extract facial feature information from the face area and include the facial feature information in the face authentication request. The authentication control unit 342 then receives the face authentication result from the face authentication device 100 . The authentication control section 342 supplies the face authentication result to the determination section 343 .
  • the determination unit 343 is also called determination means, and determines whether a payment method related to a company can be applied to payment processing for a service used by the user U for whom face authentication has been successful. Specifically, the determination unit 343 identifies the company ID of the company to which the user U belongs when the face authentication result indicates that the face authentication was successful. Then, the determining unit 343 identifies, as an applicable payment method, a payment method that meets predetermined usage conditions from among the payment methods related to the company having the company ID. In Embodiment 2, the predetermined usage condition may be a condition related to the photographing date and time of the photographed image, the photographing location (facility ID), or user attribute information.
  • the determining unit 343 may determine that, among the payment methods related to the company of the user U whose face authentication has succeeded, the payment method that includes the shooting date and time in the available hours is applicable. Specifically, first, the determination unit 343 extracts a record associated with the specified company ID in the payment method information 313 . Next, the determination unit 343 determines whether or not there is a record in which the available time includes the shooting date and time among the extracted records. Then, when there is a record in which the usable time includes the shooting date and time, the determination unit 343 determines that the payment method of the payment method ID included in the record is applicable. In this way, when the company designates the usage condition in terms of time, the determining unit 343 can easily determine whether or not the usage condition is satisfied by using the usage date and time (shooting date and time) and the payment method information 313 . .
  • the determination unit 343 may determine that a predetermined payment method related to the company is applicable when the shooting date and time of the captured image is within the working hours of the user U who has successfully completed face authentication. Specifically, if there is a payment method for which the available time is defined as working hours in the payment method information 313 among the payment methods related to the company of the user U whose face authentication has succeeded, the determination unit 343 determines whether the user information 312 The working hours of user U are acquired from. Then, when the working hours of the user U include the shooting date and time, the determination unit 343 determines that the payment method in which the available time is defined as the working hours in the payment method information 313 is applicable.
  • the determination unit 343 may determine that a predetermined payment method related to the company is applicable when the shooting date and time of the captured image is within the business trip or secondment period of the user U who has succeeded in face authentication. . Specifically, if there is a payment method for which the available time is defined as a business trip or secondment period in the payment method information 313 among the payment methods related to the company of the user U whose face authentication has succeeded, the determination unit 343 determines that the user From the information 312, the business trip or secondment period of the user U is obtained.
  • the determination unit 343 may determine that the settlement method in which the available time is defined as the business trip or secondment period in the settlement method information 313 is applicable. .
  • the company can specify terms of use based on user U's individual attributes.
  • the information processing apparatus 300 can easily determine whether or not the user U satisfies the usage conditions by using the date and time of use (date and time of photography), the user information 312 and the payment method information 313 .
  • the determination unit 343 may determine that, among the payment methods related to the company of the user U whose face authentication has succeeded, the payment method that includes the shooting location in the available locations is applicable. Specifically, first, the determination unit 343 extracts a record associated with the specified company ID in the payment method information 313 . Next, the determination unit 343 determines whether or not there is a record in which the available location is related to the shooting location in the extracted records. At this time, the determination unit 343 refers to the facility information 315 to identify the facility ID corresponding to the available location, and determines whether the facility ID corresponding to the available location includes the facility ID of the shooting location. By doing so, it may be determined whether the available location is related to the shooting location.
  • the determination unit 343 determines that the payment method of the payment method ID included in the record is applicable. In this way, when a company designates location-based conditions of use, the determining unit 343 can easily determine whether or not the conditions of use are satisfied by using the location of use (shooting location) and the payment method information 313 . .
  • the determination unit 343 determines that a predetermined payment method related to the company is applicable when the shooting location of the captured image is related to the business trip location or secondment location of the user U who has succeeded in face authentication. you can Specifically, first, the determination unit 343 determines that, among the payment methods related to the company of the user U whose face authentication has succeeded, the payment method whose available location is defined as a facility related to the business trip location in the payment method information 313 is If there is, the business trip location of the user U is acquired from the user information 312 .
  • the determination unit 343 determines that the payment method in which the available location is defined as a facility related to the business trip location in the payment method information 313 is applicable. . In this way, the company can specify terms of use based on user U's individual attributes. On the other hand, the information processing apparatus 300 can easily determine whether or not the user U satisfies the conditions of use by using the place of use (location of shooting), the user information 312 and the payment method information 313 .
  • the determination unit 343 may determine that a predetermined payment method related to a company is applicable when a user U who has successfully passed face authentication has a predetermined in-house attribute.
  • a case where the user U has a predetermined in-house attribute may be, for example, a case where the user U is in a predetermined department or a predetermined position, or a case where the length of service of the user U is equal to or longer than a predetermined number of years.
  • the determination unit 343 determines from the user information 312 User U's in-house attribute is acquired.
  • the determination unit 343 determines that the payment method for which the available qualification is defined in the payment method information 313 is applicable. do.
  • the company can specify that “subscription (for business trip)” can be applied if the user U is a manager or higher, and can apply “employee discount” if the user U has worked for 10 years or more. can be specified. In this way, while the company can specify usage conditions based on the individual attributes of the user U, the information processing device 300 uses the user information 312 and the payment method information 313 to allow the user U to use Whether or not the conditions are satisfied can be easily determined.
  • the determination unit 343 may determine that a predetermined payment method related to the company is applicable when all the usage conditions are satisfied. .
  • the determination unit 343 transmits information on the specified payment method via the network N to the authentication terminal 400 that is the source of the image.
  • the determination unit 343 displays the plurality of payment methods so that the user U can select them on the authentication terminal 400 of the image capturing source. Then, for example, if the user U pays less financially by applying pay-as-you-go with a group discount than subscribing to a subscription, the user U selects pay-as-you-go, which is less costly. This allows the user U to select a convenient payment method, thereby improving convenience.
  • the determining unit 343 may notify the payment processing unit 344 of the applicable payment method as the applicable payment method without transmitting the payment method information to the authentication terminal 400 .
  • the determination unit 343 may select one payment method to be applied from the applicable payment methods and notify the payment processing unit 344 of it.
  • the determination unit 343 selects one payment method to be applied according to the type of service used or planned to be used by the user U, and notifies the payment processing unit 344.
  • the determination unit 343 selects the subscription payment method.
  • the case where the user U uses a bus or a train may be a case where the authentication terminal 400 from which the image is taken is installed at a station or a bus.
  • the determination unit 343 determines whether the group discount (You may choose to pay as you go.
  • the case where the user U uses the restaurant may be the case where the authentication terminal 400 that is the source of the image is installed in the restaurant.
  • the payment processing unit 344 is an example of the payment processing unit 14 described above.
  • the payment processing unit 344 executes payment processing for services used or planned to be used by the user U using the identified payment method.
  • the payment method to be applied is a method to apply the subscription service to which the company subscribes
  • the payment processing unit 344 processes so as not to charge for the service used by the user U.
  • the applied payment method is a method of applying a subscription service to which employees can subscribe
  • the processing of the payment processing unit 344 changes depending on whether or not the user U has already subscribed to the subscription service.
  • the settlement processing unit 344 performs processing so as not to charge for services used by the user U when the user U has already subscribed.
  • the settlement processing unit 344 performs new subscription registration, sets the billing destination to user U's personal settlement information, and performs processing.
  • the settlement processing unit 344 may perform the same processing even in a method of applying a membership service in which employees can register.
  • the payment processing unit 344 sets the billing destination for the fee for the service used by the user U according to the billing destination information of the payment method information 313. process.
  • the payment processing unit 344 deducts a predetermined amount from the fee for the service used by the user U, to be processed.
  • the payment processing unit 344 When the payment processing unit 344 receives the payment method selected by the user U from the authentication terminal 400, the payment processing unit 344 applies the selected payment method and executes the above-described payment processing. Moreover, the user U can also choose to pay by himself/herself by a normal method without using the payment method of the payment service to which the company subscribes. In this case, the payment processing unit 344 sets the billing destination for the service used by the user U to the personal payment information of the user U and performs the process.
  • the payment processing unit 344 registers the payment history information 314 after the payment processing.
  • the payment processing unit 344 performs the payment processing, but depending on the payment method, the payment processing unit 455 of the authentication terminal 400 may perform the payment processing instead of the payment processing unit 344.
  • the payment unit 455 of the authentication terminal 400 may perform payment processing and transmit payment information to the information processing device 300 .
  • the payment processing unit 344 registers the payment history information 314 based on the received payment information.
  • FIG. 13 is a flowchart showing the flow of usage registration processing and user registration processing according to the second embodiment.
  • the company management device 600 requests user registration and employee registration, but the user terminal 500 may also request user registration.
  • the registration unit 341 acquires a usage registration request from the company-side management device 600 via the network N (step S401). Next, the registration unit 341 issues a company ID to the requesting company (step S402). Next, the registration unit 341 acquires company registration information including the payment method from the company management device 600 via the network N (step S403). Next, the registration unit 341 associates the acquired company registration information with the company ID and registers it as the settlement method information 313 (step S404). When registration of the settlement method information 313 is completed, the registration unit 341 notifies the company ID to the company management device 600 (step S405).
  • the registration unit 341 repeats the processing shown in steps S406 to S410 below for each employee to be registered.
  • the registration unit 341 acquires a user registration request from the company management device 600 via the network N (S406).
  • the user registration request includes the employee's user attribute information and the employee's face image (photographed image).
  • User attribute information included in the user registration request may include at least an employee ID and company attributes.
  • the registration unit 341 extracts and acquires user attribute information and a face image (photographed image) from the user registration request (S407).
  • the registration unit 341 requests the face authentication device 100 to register the face information in the face information DB 110 via the network N (S408).
  • the registration unit 341 acquires the user ID from the face authentication device 100 via the network N (S409). Next, the registration unit 341 associates the user attribute information acquired in step S407 with the user ID and registers it as the user information 312 (S410). Then, the registration unit 341 notifies the company management device 600 of the user ID corresponding to the employee ID (S411). At this time, the registration unit 341 may notify the user terminal 500 of the user ID.
  • the registration unit 341 can perform user registration for all employees to be registered.
  • FIG. 14 is a flowchart showing the flow of user information change processing according to the second embodiment.
  • the registration unit 341 acquires a user information change request via the network N (S421).
  • the request source is either the user terminal 500 or the company management device 600 .
  • the registration unit 341 acquires the user ID and the user attribute information to be changed from the request source via the network N (S422).
  • the registration unit 341 acquires from the user terminal 500 the user ID, business trip location, business trip period, and business content of the business trip destination.
  • the registration unit 341 acquires the information on the user ID and company attribute from the company-side management device 600 .
  • the registration unit 341 may acquire the company ID and the employee ID from the request source via the network N instead of the user ID.
  • the registration unit 341 refers to the user information 312 and identifies the user ID from the company ID and the employee ID. Then, the registration unit 341 updates the user attribute information of the user information 312 associated with the user ID based on the acquired information (S423).
  • the information processing apparatus 300 may cooperate with a business trip application system of a company or a system for managing salary accounts. In this case, the registration unit 341 acquires information related to business trips, personal payment information, etc. from the above-described company system, and performs the processing shown in steps S422 and S423 when there is a change in the already registered user attribute information. may
  • FIG. 15 is a flowchart showing the flow of payment processing according to the second embodiment.
  • the authentication control unit 342 acquires a captured image from the authentication terminal 400 via the network N (S431).
  • the authentication control unit 342 transmits a face authentication request to the face authentication device 100 via the network N (S432).
  • the authentication control unit 342 includes at least one of the photographed image acquired in step S431, the face area extracted from the photographed image, and the facial feature information extracted from the face area in the face authentication request.
  • the authentication control unit 342 receives the face authentication result from the face authentication device 100 via the network N (S433).
  • the authentication control unit 342 determines whether or not face authentication has succeeded (S434). If it is determined that the face authentication has not succeeded (No in S434), the authentication control unit 342 outputs to the authentication terminal 400 that requested the face authentication that the face authentication has failed (S435). The authentication control unit 342 then terminates the process.
  • the authentication control unit 342 identifies the user ID for which face authentication has succeeded (S436). Specifically, the authentication control unit 342 extracts the user ID included in the face authentication result. Then, the determination unit 343 determines whether or not there is an applicable settlement method among the settlement methods of the settlement service related to the company to which the user U belongs (S437). Specifically, the determination unit 343 refers to the user information 312 and identifies the company ID corresponding to the identified user ID. Subsequently, the authentication control unit 342 refers to the payment method information 313 and identifies the payment method corresponding to the company ID.
  • the determination unit 343 uses at least one of the authentication situation (shooting date and time and shooting location), the user attribute information of the user information 312, and the company registration information of the payment method information 313 for each specified payment method, Determine whether the conditions are met. Then, when there is a payment method that satisfies the usage conditions, the determination unit 343 identifies the payment method as an applicable payment method.
  • the determination unit 343 When determining that there is an applicable company-related payment method (Yes in S439), the determination unit 343 outputs information on the applicable company-related payment method to the authentication terminal 400 via the network N (S438 ). Then, the determination unit 343 advances the process to step S440. On the other hand, when determining that there is no applicable company-related payment method (No in S439), the determination unit 343 outputs to the authentication terminal 400 via the network N that there is no applicable company-related payment method. (S439). Then, the determination unit 343 advances the process to step S440.
  • step S440 the determination unit 343 executes settlement processing using an applicable company-related settlement method or a normal settlement method (paid by user U). For example, if there is an applicable company-related payment method, the determination unit 343 executes payment processing using that payment method. If there is no applicable company-related payment method, the determination unit 343 executes payment processing using a normal payment method. Further, when the user U selects a payment method and receives notification of the payment method from the authentication terminal 400, the determination unit 343 executes payment processing using the selected payment method. Next, the determination unit 343 registers the payment history information 314 (S441).
  • FIG. 16 is a sequence diagram showing an example of the flow of usage registration processing, user registration processing, and user information change processing according to the second embodiment.
  • the company-side management device 600 transmits a usage registration request to the information processing device 300 (S500).
  • the information processing device 300 issues a company ID to the requesting company (S501).
  • the company management device 600 transmits company registration information including the settlement method to the information processing device 300 (S502).
  • FIG. 17 is a diagram showing a company registration information input screen 800 according to the second embodiment.
  • the input screen 800 includes input areas for a company ID, payment method, billing destination information, available place, available time, and available qualification.
  • the administrator of the company side management device 600 inputs the company ID and selects the settlement method.
  • the administrator of the company management device 600 inputs the settlement method using a separate input screen.
  • the administrator of the company management device 600 selects billing destination information, available locations, available hours, and available qualifications for each payment method.
  • the manager of the company management device 600 inputs various information using a separate input screen when newly registering various information. In this way, this input screen allows the company to specify the settlement method and its usage conditions in detail.
  • the company management device 600 accepts input from the manager and transmits the input information to the information processing device 300 .
  • the information processing apparatus 300 that has received the company registration information associates the received company registration information with the company ID and registers it as the settlement method information 313 (S503).
  • the registered payment method information 313 may be confirmed using the company-side management device 600 or the user terminal 500 of the user U who belongs to the company.
  • the information processing device 300 then notifies the company management device 600 of the company ID (S504).
  • the information processing system 1000 repeats the processing shown in steps S505 to S512 below by the number of registered employees.
  • the company management device 600 transmits a user registration request for the user U (employee) to the information processing device 300 (S505).
  • the user registration request includes the employee's user attribute information and the employee's face image (captured image).
  • the user attribute information transmitted in this step may include at least an employee ID and company attributes.
  • FIG. 18 is a diagram showing a user registration input screen 801 according to the second embodiment.
  • the input screen 801 includes input areas for company ID, employee ID, user ID, company attribute, business trip location, business trip period, business contents of business trip destination, and personal credit card number.
  • either one of the input areas for the company ID and employee ID and the input area for the user ID may be provided, and both need not be provided.
  • the input area for the user ID on the input screen 801 may be omitted.
  • the input screen 801 in the figure also includes a face image input area for requesting face registration.
  • the administrator of the company management device 600 inputs the company ID and user U's employee ID. Then, the administrator of the company management device 600 inputs the information managed by the employee DB 610 among the in-house attribute of the user U, the business trip place, the business trip period, the business contents of the business trip destination, and the personal credit card number. For example, the administrator of the company management device 600 inputs only the in-house attributes of the user U and leaves the remaining items blank. Also, the administrator of the company-side management device 600 designates the file path of the face image of the user U and uploads the face image. In this manner, the user attribute information managed by the employee DB 610 and the face image can be input using this input screen.
  • the administrator of the company-side management device 600 may input employee information from this input screen for each employee, or may create in advance a data file in a predetermined format summarizing the information of a plurality of employees. It is also possible to input all at once by importing the file.
  • the company management device 600 receives input from the administrator and transmits a user registration request including the input information to the information processing device 300 .
  • the information processing device 300 transmits a face information registration request including the photographed image of the employee to the face authentication device 100 (S506).
  • the face authentication device 100 registers face information (face feature information) of the user U based on the captured image included in the received face information registration request (S507).
  • the face authentication device 100 notifies the information processing device 300 of the user ID via the network N (S508).
  • the information processing apparatus 300 associates the user ID and the received user attribute information with each other and registers them in the user information 312 (S510).
  • the registered user information 312 may be confirmed using the user terminal 500 of the user U or the company management device 600 of the company to which the user U belongs.
  • the information processing device 300 then notifies the company management device 600 of the user ID corresponding to the employee ID (S511).
  • the company management device 600 that has received the notification notifies the user ID to the user terminal 500 of the user U having the employee ID (S512).
  • the user terminal 500 transmits a user information change request to the information processing device 300 (S513). Then, the user terminal 500 transmits to the information processing apparatus 300 the user ID and the information on the business trip location and business trip period as user attribute information to be changed (S514).
  • the input screen for user attribute information to be changed may be the same as the input screen 801 shown in FIG. Specifically, the user U of the user terminal 500 inputs the company ID and the employee ID of the user U or his/her own user ID. The user U then inputs information to be changed or added among the user U's in-house attribute, business trip location, business trip period, and personal credit card number.
  • the user U enters the business trip location, business trip period, and personal credit card number, and leaves the remaining items blank (do not change).
  • this input screen allows the user U to specify the user attribute information that he or she wants to change or add.
  • the user terminal 500 receives input from the user U and transmits the input information to the information processing device 300 .
  • the information processing apparatus 300 that has received the user attribute information updates the user attribute information of the user information 312 associated with the user ID based on the changed user attribute information (S515).
  • FIG. 19 is a sequence diagram showing an example of the flow of payment processing according to the second embodiment.
  • authentication terminal 400-1 photographs user U (S520), and transmits the photographed image and the facility ID to information processing apparatus 300 via network N (S521).
  • the information processing device 300 transmits a face authentication request for the face area of the user U in the received captured image to the face authentication device 100 via the network N (S522).
  • the face authentication device 100 performs face authentication on the face area of the user U in the captured image included in the received face authentication request (S523).
  • S523 face authentication on the face area of the user U in the captured image included in the received face authentication request
  • the face authentication device 100 transmits the fact that the face authentication was successful and the face authentication result including the user ID to the information processing device 300 via the network N (S524).
  • the information processing apparatus 300 that has received the face authentication result identifies a payment method that satisfies a predetermined use condition, that is, an applicable payment method, among the payment methods related to company B to which user U belongs (S525). .
  • the information processing device 300 then transmits the information on the applicable company-related payment method and the user ID to the authentication terminal 400-1 via the network N (S526).
  • Authentication terminal 400-1 displays applicable company-related payment methods on display unit 440 (S527), and receives a payment method selection operation from user U (S528).
  • FIGS. 20 to 22 are diagrams showing examples of displays on the authentication terminal 400-1 according to the second embodiment.
  • FIG. 20 shows an example of display when there is an applicable company-related payment method.
  • authentication terminal 400-1 displays the message "A company-related payment method can be applied.” together with the content of an applicable company-related payment method. Then, authentication terminal 400-1 prompts user U to select whether or not to apply the presented payment method along with the message "Do you want to apply the following payment method?"
  • authentication terminal 400-1 advances the process to step S529.
  • a normal settlement method may be a method in which the user U bears all the financial burden and settles based on the personal settlement information of the user information 312 .
  • the normal payment method may be a method in which the user U bears all the financial burden and settles the payment in cash.
  • Fig. 21 shows an example of display when there are multiple applicable company-related payment methods.
  • the authentication terminal 400-1 displays a message "A company-related payment method can be applied" along with a plurality of applicable company-related payment methods. Then, authentication terminal 400-1 prompts user U to select one of the presented payment methods along with the message "Please select a payment method.”
  • authentication terminal 400-1 advances the process to step S529.
  • Fig. 22 shows an example of the display when there is no applicable company-related payment method.
  • the authentication terminal 400-1 displays a message "You cannot use the company-related payment method. Please use the normal payment method.”
  • Authentication terminal 400-1 then assumes that user U has selected the normal payment method, and advances the process to step S529.
  • Authentication terminal 400-1 transmits a payment processing request to information processing apparatus 300 via network N in step S529.
  • the payment processing request includes the user ID, the selected payment method, and payment information (product name, amount, etc.) when the payment method is applied.
  • the information processing apparatus 300 that has received the payment processing request performs payment processing based on the information included in the payment processing request (S530).
  • the information processing device 300 then registers the payment history information 314 (S531).
  • the information processing device 300 executes payment processing for a predetermined service by applying a payment method related to the affiliated organization when biometric authentication is successful and a predetermined condition is satisfied. Therefore, by allowing the user U to use the payment method related to the organization to which he/she belongs, and by setting usage conditions, it is possible to prevent abuse and encourage appropriate usage.
  • the user U does not need to know whether a payment method is available each time a payment is made, and does not need to offer an available payment method each time a payment is made, thereby improving convenience.
  • the user U can preferably use the settlement service to which the affiliated organization subscribes. Especially in the construction industry, where there are many business trips, the convenience of business travelers is improved, and a particularly remarkable effect is achieved.
  • the payment processing unit 344 of the information processing device 300 generates the payment history information 314 in which the payment information is associated with the user ID when the payment processing is performed.
  • the payment processing unit 344 may transmit the payment history information 314 to the company management device 600 of the user U's company via the network N.
  • the company can grasp the usage status of the settlement service to which the company subscribes, which can be used as a basis for reviewing the settlement service.
  • the transmission of the settlement history information 314 may be performed periodically or irregularly.
  • the payment processing unit 344 transmits the payment history information 314 accumulated in the storage unit 310 to the company-side management device 600 of the company in response to performing payment processing for employees of the company a predetermined number of times. good.
  • the payment processing unit 344 deletes predetermined personal information (user ID and payment information) from the payment history information 314 from the viewpoint of privacy protection, and then transmits the payment history information 314 to the company management device 600. good too.
  • face authentication for payment processing may be performed using a captured image captured by the user terminal 500 .
  • the authentication control unit 342 of the information processing device 300 may perform face authentication for payment processing in response to acquisition of the captured image or facial feature information from the user terminal 500 .
  • FIG. 23 is a sequence diagram showing an example of the flow of payment processing according to the modification of the second embodiment.
  • the authentication terminal 400 may function as a facility-side server that performs electronic commerce with the user terminal 500 .
  • camera 410, display unit 440, imaging control unit 451, and display control unit 454 may be omitted.
  • the user terminal 500 takes an image of the user U (S600), and transmits the taken image to the authentication terminal 400 of the facility related to the desired service (S601).
  • the authentication terminal 400 that has received the captured image transmits the captured image and the facility ID to the information processing device 300 via the network N (S602).
  • processing similar to steps S522 to S526 in FIG. 19 is executed.
  • the authentication terminal 400 that has acquired the applicable company-related payment method information and user ID transmits the acquired payment method information to the user terminal 500 (S603).
  • the user terminal 500 displays applicable company-related payment methods on the display unit 540 (S604), and receives a payment method selection operation from the user U (S605).
  • the display screens displayed on the display unit 540 at this time may be the same as those shown in FIGS.
  • the user terminal 500 notifies the authentication terminal 400 of the selected payment method (S606).
  • the authentication terminal 400 that has received the notification of the payment method transmits a payment processing request to the information processing device 300 via the network N (S607). Then, processing similar to steps S530 to S531 shown in FIG. 19 is executed.
  • the series of payment processing described above may be performed between the face authentication device 100 , the information processing device 300 and the user terminal 500 without going through the authentication terminal 400 .
  • the user terminal 500 may transmit the facility ID related to the service desired to be used together with the captured image to the information processing apparatus 300.
  • the information processing apparatus 300 may transmit payment method information to the user terminal 500 instead of steps S526 and S603.
  • the user terminal 500 may transmit a payment processing request including the payment method to the information processing device 300.
  • the face authentication device 100 is connected to the information processing device 300 via the network N.
  • the face authentication device 100 may be included in the information processing device 300 . Therefore, at least one of the face information registration process and the face authentication process may be performed in the information processing device 300 .
  • the hardware configuration is described, but the configuration is not limited to this.
  • the present disclosure can also implement arbitrary processing by causing a CPU to execute a computer program.
  • Non-transitory computer readable media include various types of tangible storage media.
  • Examples of non-transitory computer-readable media include magnetic recording media (e.g., flexible discs, magnetic tapes, hard disk drives), magneto-optical recording media (e.g., magneto-optical discs), CD-ROMs (Read Only Memory), CD-Rs, Includes CD-R/W, DVD (Digital Versatile Disc), semiconductor memory (eg, mask ROM, PROM (Programmable ROM), EPROM (Erasable PROM), flash ROM, RAM (Random Access Memory)).
  • magnetic recording media e.g., flexible discs, magnetic tapes, hard disk drives
  • magneto-optical recording media e.g., magneto-optical discs
  • CD-ROMs Read Only Memory
  • CD-Rs Includes CD-R/W
  • DVD Digital Versatile Disc
  • semiconductor memory eg, mask ROM, PROM (Programmable ROM), EPROM (Erasable PROM), flash ROM,
  • the program may also be delivered to the computer on various types of transitory computer readable medium.
  • Examples of transitory computer-readable media include electrical signals, optical signals, and electromagnetic waves.
  • Transitory computer-readable media can deliver the program to the computer via wired channels, such as wires and optical fibers, or wireless channels.
  • (Appendix 1) a registration means for registering, for each user, a payment method of a payment service to which the user's affiliated organization subscribes, in association with the biometric information of the user; Authentication control means for performing biometric authentication based on the photographed image when a photographed image of the user photographed for payment for a predetermined service is acquired; and payment processing means for executing payment processing for the predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and a predetermined condition is satisfied.
  • (Appendix 2) Based on at least one of the shooting date and time of the photographed image, the shooting location, and the attribute information of the user in the affiliated organization, it is determined whether the payment method of the payment service to which the affiliated organization subscribes can be applied to the payment process.
  • the registration means registers the working hours of the affiliated organization for each user in association with the biometric information of the user,
  • the determination means can apply a payment method of a payment service to which the organization to which the user belongs belongs to, to the payment process, when the shooting date and time of the captured image is within the working hours of the organization to which the user who has successfully passed biometric authentication is affiliated.
  • the registration means registers the user's business trip period or secondment period for each user in association with the user's biometric information
  • the determining means can apply the settlement method of the settlement service to which the affiliated organization subscribes to the settlement process when the photographing date and time of the photographed image is within the business trip period or secondment period of the user who succeeded in biometric authentication.
  • the information processing apparatus according to appendix 2 or 3.
  • the registration means registers, for each user, a business trip location or a secondment location of the user in association with the biometric information of the user,
  • the determining means can apply a payment method of a payment service to which the organization to which the organization belongs belongs to, to the payment processing, when the shooting location of the captured image is related to a business trip location or secondment location of the user who has successfully passed biometric authentication. 5.
  • the information processing apparatus according to any one of appendices 2 to 4.
  • the registration means registers, for each user, the user's department or position in association with the user's biometric information
  • the determination means can apply the payment method of the payment service to which the affiliated organization joins to the payment processing when the user who has successfully passed the biometric authentication belongs to a predetermined department or holds a predetermined position. 6.
  • the information processing apparatus according to any one of appendices 2 to 5.
  • the determination means displays the plurality of payment methods on the terminal from which the image was taken so that the user can select them, 7.
  • the information processing apparatus according to any one of appendices 2 to 6, wherein the payment processing means applies the selected payment method to execute the payment processing.
  • the information processing apparatus according to any one of appendices 1 to 7, wherein the payment processing means registers payment information in association with the user as payment history information, and transmits the information to a server of an organization to which the user belongs.
  • the payment method of the payment service is a method of applying a subscription service that the affiliated organization subscribes to, a method of applying a membership service that members of the affiliated organization can register, and a method that the members of the affiliated organization can subscribe 9.
  • the information processing device according to any one of appendices 1 to 8, including at least one of a method of applying a subscription service, a method of making payments as the affiliated organization, and a method of applying a predetermined group discount service. . (Appendix 10) 10.
  • the information processing device according to . (Appendix 11) an authentication terminal that generates a photographed image of a user for payment for a predetermined service; an information processing device communicably connected to the authentication terminal, The information processing device is a registration means for registering, for each user, a payment method of a payment service to which the user's affiliated organization subscribes, in association with the biometric information of the user; Authentication control means for performing biometric authentication based on the captured image when the captured image of the user is acquired; payment processing means for executing payment processing for the predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and a predetermined condition is satisfied.
  • the information processing device is Based on at least one of the shooting date and time of the photographed image, the shooting location, and the attribute information of the user in the affiliated organization, it is determined whether the payment method of the payment service to which the affiliated organization subscribes can be applied to the payment process. 12.
  • (Appendix 13) a registration step of registering, for each user, the payment method of the payment service to which the user's affiliated organization subscribes, in association with the user's biometric information; an authentication control step of performing biometric authentication based on the photographed image of the user when the photographed image of the user photographed for payment for a predetermined service is obtained; and a payment processing step of executing payment processing for the predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and a predetermined condition is satisfied.
  • (Appendix 14) a registration process for registering, for each user, the payment method of the payment service to which the user's affiliated organization subscribes, in association with the user's biometric information; Authentication control processing for performing biometric authentication based on the photographed image when a photographed image of the user photographed for payment for a predetermined service is acquired; a program for causing a computer to execute: payment processing for executing payment processing for the predetermined service by applying the payment method of the payment service to which the affiliated organization subscribes when the biometric authentication is successful and a predetermined condition is satisfied; A non-transitory computer-readable medium on which is stored.

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Abstract

Un dispositif de traitement d'informations (10) comprend une unité d'enregistrement (11), une unité de commande d'authentification (12) et une unité de traitement de paiement (14). L'unité d'enregistrement (11) associe et enregistre, pour chaque utilisateur, un procédé de paiement d'un service de paiement qui est utilisé par une organisation à laquelle l'utilisateur appartient et des informations biologiques de l'utilisateur. L'unité de commande d'authentification (12) provoque l'exécution d'une authentification biométrique sur la base d'une image de l'utilisateur qui a été capturée à des fins de paiement d'un service prédéterminé, lorsque l'image est acquise. L'unité de traitement de paiement (14) effectue un traitement de paiement pour le service prédéterminé en appliquant le procédé de paiement du service de paiement qui est utilisé par l'organisation à laquelle l'utilisateur appartient, lorsque l'authentification biométrique est réussie et qu'une condition prédéterminée est satisfaite.
PCT/JP2021/011070 2021-03-18 2021-03-18 Dispositif de traitement d'informations, système de traitement d'informations, procédé de traitement d'informations et support non transitoire lisible par ordinateur WO2022195802A1 (fr)

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PCT/JP2021/011070 WO2022195802A1 (fr) 2021-03-18 2021-03-18 Dispositif de traitement d'informations, système de traitement d'informations, procédé de traitement d'informations et support non transitoire lisible par ordinateur

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2014106632A (ja) * 2012-11-26 2014-06-09 Japan Research Institute Ltd 情報処理装置、情報処理方法、及びプログラム
JP2016062376A (ja) * 2014-09-19 2016-04-25 ヤフー株式会社 情報提供装置、情報提供方法および情報提供プログラム
JP2019215738A (ja) * 2018-06-13 2019-12-19 シャープ株式会社 決済システム、決済処理装置、端末装置、決済システムの処理方法及びプログラム
JP2021018684A (ja) * 2019-07-22 2021-02-15 株式会社Ｈａｎｄｉｉ 前払式決済サービス装置

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2014106632A (ja) * 2012-11-26 2014-06-09 Japan Research Institute Ltd 情報処理装置、情報処理方法、及びプログラム
JP2016062376A (ja) * 2014-09-19 2016-04-25 ヤフー株式会社 情報提供装置、情報提供方法および情報提供プログラム
JP2019215738A (ja) * 2018-06-13 2019-12-19 シャープ株式会社 決済システム、決済処理装置、端末装置、決済システムの処理方法及びプログラム
JP2021018684A (ja) * 2019-07-22 2021-02-15 株式会社Ｈａｎｄｉｉ 前払式決済サービス装置

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