JP6542454B1 - INFORMATION PROCESSING METHOD, INFORMATION PROCESSING DEVICE, AND PROGRAM - Google Patents

Abstract

To improve the security of payment.
An information processing apparatus receives information of a code acquired by a first information processing terminal from a first information processing terminal of a first user who makes payment using a code presented at a store. And processing of settlement based on the information of the code.
[Selected figure] Figure 4

Description

  The present disclosure relates to an information processing method, an information processing apparatus, and a program.

  In recent years, a payment method using a code such as a bar code or a two-dimensional code has been known as a payment method that does not use cash (see, for example, Patent Document 1). As this settlement method, for example, there is known a method in which a terminal of a user who makes a payment reads a printed matter such as a two-dimensional code installed in a cash register of a store or the like to make a settlement.

  In this method, it is not necessary to introduce a credit card reader or the like to the store side, as compared to payment with a credit card, etc., so the introduction cost on the store side can be reduced.

JP, 2004-030167, A

  However, in the prior art, for example, there is a possibility that the two-dimensional code or the like printed on the medium installed in the store may be replaced or the medium may be replaced by the medium on which the other two-dimensional code or the like is printed. There is a problem that there is. The present disclosure aims to provide a technology that can improve payment security.

An information processing apparatus according to an embodiment of the present disclosure includes a first information processing terminal of a first user who pays a payment using a code presented at a store, and position information of the first user and first information. The first receiving process for receiving the information of the code acquired by the processing terminal, the position information of the first user, and the position information of the code stored based on the position information stored in association with the information of the code A process for performing authentication, a process for storing a payment paid using the first code presented at the store, and a second request for the second user at the request of the second user who is the business owner of the store When the code is issued, a process of withdrawing the payment paid using the first code to the second user is performed.

FIG. 1 is a diagram showing a configuration of a communication system according to an embodiment of the present disclosure. It is a figure which shows an example of the hardware constitutions of the server which concerns on embodiment, and a terminal. It is a figure which shows an example of the block diagram which shows the server which concerns on embodiment, and the functional structure of a terminal. It is a figure which shows an example of the sequence of a process of the communication system which concerns on 1st Embodiment. It is a figure explaining an example of business user information concerning a 1st embodiment. It is a figure explaining an example of user information concerning an embodiment. It is a figure explaining an example of the payment information concerning an embodiment. It is a figure explaining an example of operation at the time of reading a two-dimensional code etc. with a terminal concerning an embodiment. It is a figure which shows an example of the display screen of the payer's terminal which concerns on 1st Embodiment. It is a figure which shows an example of the display screen of the payer's terminal which concerns on 1st Embodiment. It is a flow chart which shows an example of attestation processing based on position information concerning an embodiment. It is a figure which shows an example of the display screen of the terminal of the original seller which concerns on 1st Embodiment. It is a figure which shows an example of the sequence of a process of the communication system which concerns on 1st Embodiment. It is a figure which shows an example of the sequence of a process of the communication system which concerns on 2nd Embodiment. It is a figure which shows an example of the sequence of a process of the communication system which concerns on 2nd Embodiment. It is a figure explaining an example of business user information concerning a 2nd embodiment. It is a figure which shows an example of the display screen of the user of the user who charges a fee. It is a figure which shows an example of the display screen of the user of the user who charges a fee. It is a figure which shows an example of the display screen of the user of the user who charges a fee. It is a figure which shows an example of the display screen of the payer's terminal which concerns on 1st Embodiment. It is a figure which shows an example of the display screen of the payer's terminal which concerns on 1st Embodiment.

<Compliance with the law>
The disclosure set forth herein, when implemented, is implemented in compliance with the laws of each country that implements the disclosure. In addition, the disclosure described in this specification is implemented with all changes, substitutions, alterations, modifications, and modifications that can be made by those skilled in the art that are required to comply with the laws and regulations of each country.

An embodiment for implementing code settlement according to the present disclosure will be described with reference to the drawings.
<System configuration>
FIG. 1 is a diagram showing a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A, the server 110B, the terminal 120A (an example of the “first information processing terminal”), the terminal 120B (the “second information processing terminal”) via the network 130 Example), the terminal 120C is connected.

  In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

  In the present disclosure, when it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C are each a terminal 120 (an example of an “information processing terminal”). It may be expressed.

  In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing apparatus 200. The number of information processing apparatuses 200 connected to the network 130 is not limited to the example shown in FIG.

  The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined services include, but not limited to, payment services, financial services, electronic commerce services, SNS (Social Networking Services) typified by instant messengers, content providing services such as music / video / book, and the like. When the user uses a predetermined service via the terminal 120, the server 110 can provide the one or more terminals 120 with the predetermined service.

  In the present disclosure, payment service means a service in which one or more users can send or receive money or money equivalent. Non-limiting examples include one-dimensional codes (such as barcodes), two-dimensional codes (such as QR codes (registered trademark)), near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy) , WI-FI (registered trademark), ultrasonic communication, infrared communication, etc. (hereinafter referred to as “two-dimensional code etc.” or “code”). In addition, the fact that the terminal 120A of the user (payer) who pays for payment performs payment by reading a two-dimensional code or the like is referred to as “user-read type code payment” or “MPM (Merchant Presented Mode)” and payment The terminal 120A of the user who performs the step displays the two-dimensional code and the like, and the terminal 120B of the user (seller, biller) such as the store who claims the payment reads the displayed two-dimensional code etc. This is expressed as "store reading code settlement" or "CPM (Consumer Presented Mode)".

  As necessary, a terminal used by the user X (including a user who purchases a product etc. and a user who sells a product etc) is expressed as a terminal 120X. In the following example, the terminal 120A is a terminal of the user A (an example of the “first user”) who purchases a product etc. and pays the payment, and the terminal 120B and the terminal 120C respectively transmit the product etc. It is assumed that the terminals of user B and user C who sell and charge a fee. Note that a user B (an example of a “second user”) and an account of a user C operate a real store (hereinafter simply referred to as a “store”) that is not a store on online (affiliated store) , And an account for a store operator), and may have received in advance authentication for a provider who operates the store from an operator of the server 110.

  Further, user information in a predetermined service associated with the user X or the terminal 120X is expressed as user information X. The user information is information of the user associated with the account used by the user in the predetermined service. The user information is, by way of example and not limitation, the user's name, the user's icon image, the user's age, the user's age, the user's gender, the user's address, the user's hobbies entered by the user or provided by a predetermined service. Information including information associated with the user such as taste, user identifier, balance information of electronic value (electronic money) associated with the user, credit card information (credit card number etc.) associated with the user, and the like Or any combination thereof.

  The network 130 is responsible for connecting two or more information processing apparatuses 200. The network 130 refers to a communication network that provides a connection path so that data can be transmitted and received after the terminal 120 connects to the server 110.

  One or more portions of network 130 may be a wired network or a wireless network. Network 130 may be, by way of example and not limitation, an ad hoc network (Ad Hoc Network), an intranet, an extranet, a Virtual Private Network (VPN), a Local Area Network (LAN), wireless Wireless LAN (WLAN), Wide Area Network (WAN), Wireless WAN (WWAN), Metropolitan Area Network (MAN), Internet Part, Public Switched Telephone Network (Public) Switched Telephone Network (PSTN), mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth (Bluetooth), satellites Communication, etc., or It may include two or more combinations of these. Network 130 may include one or more networks 130.

  The information processing apparatus 200 may be any information processing apparatus that can implement the functions and / or methods described in the present disclosure.

The information processing apparatus 200 may be, by way of example and not limitation, a smart phone, a mobile phone (feature phone), a computer (for example but not limited to a desktop, laptop, tablet etc.), a server device, a media computer platform (for example but not limited to) , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (such as but not limited to PDAs (Personal Digital Assistants), e-mail clients), wearable terminals (such as but not limited to glasses-type devices, Including clock-type devices), other types of computers, or communication platforms.
<Hardware (HW) configuration>
The HW configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing apparatus 200 according to the embodiment.

  The information processing apparatus 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The respective components of the HW of the information processing apparatus 200 are mutually connected via the bus B as an example and not limitation.

  The information processing apparatus 200 realizes the functions and / or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. Do.

  The processor 201 executes functions and / or methods implemented by code or instructions included in a program stored in the storage 203. The processor 201 may be, by way of example and not limitation, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor. Logic circuits (hardware) or integrated circuits (ICs (Integrated Circuits) chips, LSIs (Large Scale Integration)), etc., including application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc. Each process disclosed in each embodiment may be realized by a dedicated circuit. In addition, these circuits may be realized by one or more integrated circuits, and the plurality of processes shown in each embodiment may be realized by one integrated circuit. Also, LSI may be called VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

  The memory 202 temporarily stores the program loaded from the storage 203 and provides the processor 201 with a work area. The memory 202 also temporarily stores various data generated while the processor 201 is executing a program. The memory 202 includes, by way of example and not limitation, random access memory (RAM), read only memory (ROM), and the like.

  The storage 203 stores a program. The storage 203 includes, by way of example and not limitation, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

  The communication I / F 205 transmits and receives various data via the network 130. The communication may be performed by wire or wireless, and any communication protocol may be used as long as communication with each other can be performed. The communication I / F 205 has a function of executing communication with another information processing apparatus via the network 130. The communication I / F 205 transmits various data to another information processing apparatus according to an instruction from the processor 201. The communication I / F 205 also receives various data transmitted from other information processing apparatuses, and transmits the data to the processor 201.

  The input / output I / F 204 includes an input device for inputting various operations to the information processing device 200 and an output device for outputting the processing result processed by the information processing device 200. The input / output I / F 204 may be integrated with an input device and an output device, or may be separated into an input device and an output device.

  The input device is realized by any one or a combination of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201. The input device includes, by way of example and not limitation, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

  The output device is realized by any one or a combination of all types of devices capable of outputting the processing result processed by the processor 201. When outputting the processing result as a video and / or a moving image, the output device may display the display data according to the display data written in the frame buffer, or any one of all types of devices that can display the display data. It is realized by the combination. The output device is, by way of example and not limitation, a touch panel, touch display, monitor (for example but not limited to, liquid crystal display, OELD (Organic Electroluminescence Display), etc.), head mounted display (HDM: Head Mounted Display), projection mapping, hologram , Devices capable of displaying images, text information, etc. in air (or vacuum), speakers (audio output), printers, etc. These output devices may be able to display display data in 3D.

  The program of each embodiment of the present disclosure may be provided stored in a computer readable storage medium. The storage medium can store the program in the “non-transitory tangible medium”. The programs include, by way of example and not limitation, software programs and computer programs.

  The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs) (for example but not limited to field programmable gate arrays (FPGAs), application specific ICs (ASICs) etc. Hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic disk A tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more of these can be included. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, as appropriate.

  Also, the program of the present disclosure may be provided to the information processing apparatus 200 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program.

  The embodiments of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

  Note that the program of the present disclosure is implemented using a script language such as JavaScript (registered trademark) or Python, C language, Go language, Swift, Koltin, Java (registered trademark) or the like as an example and not by way of limitation.

  At least a part of the processing in the information processing apparatus 200 may be realized by cloud computing configured by one or more computers.

  At least a part of the processing in the information processing apparatus 200 may be performed by another information processing apparatus. In this case, at least part of the processing of each functional unit realized by the processor 201 may be performed by another information processing apparatus.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and the predetermined process is operated when the determination condition is satisfied, or the predetermined process is performed when the determination condition is not satisfied. You may

  In the present disclosure, unless otherwise stated or indicated by context, "or" is inclusive and not exclusive. Thus, in the present disclosure, unless otherwise stated or indicated by context, "A or B" means "A, B, or both." Furthermore, "at least one of A and B" means "A, B, or both." Further, unless otherwise stated or indicated by context, “a”, “an” or “the” shall mean “one or more”. Thus, as used herein, unless otherwise stated or indicated by context, "an A" or "the A" means "one or more A".

  The present disclosure includes all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art with respect to the embodiments and / or examples of the present disclosure. Similarly, where appropriate, the appended claims are intended to cover all modifications, substitutions, alterations, modifications and alterations that may occur to those skilled in the art, with respect to the embodiments and / or examples of the present disclosure. Include. Furthermore, the present disclosure may include one or more features of the embodiments and / or examples in the disclosure and / or other embodiments and / or examples of the disclosure that may occur to those skilled in the art. Includes any combination with one or more features.

  In addition, an apparatus or system or a component of an apparatus or system that is adapted, arranged, capable, configured, available, operable or operable to perform a specific function Reference in the appended claims to the is intended to be arranged, capable, configured, enabled, enabled, enabled, the apparatus, system, or component thereof being so adapted. As long as the device, system or component or its specific function is activated, turned on or unlocked, it encompasses the device, system, or component as long as the device or system is operable.

  The present disclosure may obtain consent from the user in advance or immediately before the implementation, in performing any of the embodiments or examples, unless explicitly stated. Also, the consent obtained may be comprehensive or may be obtained each time.

First Embodiment
In the prior art, for example, a two-dimensional code or the like printed on a medium installed in a store may be replaced, or the medium may be replaced by a medium on which another two-dimensional code or the like is printed. . In this case, for example, there is a possibility that a well-meaning business person can be tailored to a bad-morbid business person by mischief or the like replacing a two-dimensional code or the like installed in a store or the like.

  In the first embodiment, when payment is performed using a two-dimensional code or the like installed in a cash register or the like of a store, the position information of the user A who pays the payment is associated with the two-dimensional code or the like It is an embodiment which performs attestation based on position information. According to the first embodiment, the security of payment can be improved. For example, it is possible to prevent improper settlement due to mischief or the like in which a two-dimensional code or the like installed in a store etc. is replaced. Further, since the security of the settlement can be improved, the load on the terminal 120A or the server 110 and the load on the network between the terminal 120A and the server 110 can be reduced as a result.

<Functional Configuration of First Embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described using FIG. FIG. 3 is a diagram showing an example of a block diagram showing functional configurations of the server 110 and the terminal 120 according to the embodiment. The functional unit disclosed in FIG. 3 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 provided in the information processing apparatus 200.

(1) Functional configuration of server
The server 110 includes a reception unit 311, a transmission / reception unit 312, a control unit 313, and a storage unit 314. The accepting unit 311 accepts various setting operations and the like from a business operator (administrator) who operates the server 110.

  The transmission / reception unit 312 transmits / receives data to / from the terminal 120 or the like according to the instruction of the control unit 313. Note that, for example, when the user of the terminal 120 is authenticated by the user ID and the password included in the login request from the terminal 120, the transmission / reception unit 312 connects a session for communication with the terminal 120 using HTTPS or the like. . Then, the communication address of the terminal 120, the user ID and the like are stored in association with the ID of the connected communication session. Then, data is transmitted to the terminal 120 using the connected communication session.

  The control unit 313 performs processing of providing services such as a settlement service, a financial service, and an electronic commerce service to the user of the terminal 120. The control unit 313 performs authentication, for example, based on the position information of the user A who pays the charge and the position information associated with the two-dimensional code or the like. Then, when the authentication is successful, the control unit 313 enables payment of the payment by the settlement service.

  The storage unit 314 stores business user information 3141 including information of a user who is a business owner of a store, user information 3142 including information of a payer user, settlement information 3143 including information of payment of payment, and the like.

(2) Functional configuration of terminal
The terminal 120 includes a reception unit 321, a transmission / reception unit 322, a position information measurement unit 323, a control unit 324, and a storage unit 325. The receiving unit 321 receives various operations and the like from the user of the terminal 120.

  The transmission / reception unit 322 transmits / receives data to / from the server 110 or the like according to an instruction of the control unit 324. Note that, for example, when logging in to the server 110, the transmission / reception unit 322 connects a session for communication with the server 110 using HTTPS or the like. Then, the communication address and the like of the server 110 are stored in association with the ID of the connected communication session. Then, data is transmitted to the server 110 using the connected communication session.

  The position information measurement unit 323 has a function of measuring the position information of the current position of the terminal 120. The position information measurement unit 323 measures the latitude and longitude of the terminal 120 as position information of the current position of the terminal 120 using GPS (Global Positioning System) as an example and not by way of limitation. The measurement of the position information of the terminal 120 by the position information measurement unit 323 may use any method as long as the position information of the terminal 120 can be measured. As a non-limiting example, the location information measurement unit 323 may use IMES (Indoor MEssaging System), Wi-Fi (Wireless LAN), RFID (Radio Frequency Identifier), NFC (Near Field Communication), BLE (Bluetooth Low Energy), The position information of the terminal 120 may be measured using near field communication such as sound waves, or a mobile communication system such as LTE or CDMA.

  The control unit 324 performs processing of using services such as a settlement service, a financial service, and an electronic commerce service provided by the server 110.

  The storage unit 325 stores information for using the settlement service provided by the server 110.

<Process of First Embodiment>
An example of processing of the communication system 1 according to the first embodiment will be described with reference to FIGS. 4 to 6A. FIG. 4 is a diagram showing an example of a process sequence of the communication system 1 according to the first embodiment. FIG. 5A is a diagram for explaining an example of business user information 3141 according to the first embodiment. FIG. 5B is a view for explaining an example of the user information 3142 according to the embodiment. Drawing 5C is a figure explaining an example of settlement information 3143 concerning an embodiment. FIG. 6 is a diagram for explaining an example of an operation when reading a two-dimensional code or the like by the terminal 120A according to the embodiment. FIG. 7A and FIG. 7B are diagrams showing an example of a display screen of the payer's terminal 120A according to the first embodiment.

  In the example of FIG. 4, an example in which the input of the settlement amount (payment amount) is received after the authentication based on the position information will be described. When the terminal 120A and the terminal 120B communicate with the server 110, it is assumed that the authentication of the server 110 is received using the accounts of the user A and the user B, respectively.

<< Processing when issuing two-dimensional code etc. >>
In step S1, the terminal 120B receives, from the user B, an operation for causing the server 110 to issue a two-dimensional code or the like for presenting to a customer at a store such as a retail store.

  Subsequently, the terminal 120B transmits, to the server 110, a code issuance request including the position information of the user B (the position information of the actual store of the user B, etc.) and the like (step S2). Here, the control unit 324 of the terminal 120B may use the current position information of the terminal 120B measured by the position information measuring unit 323 of the terminal 120B as the position information of the user B, or the user B designated by the user B Position information such as the address of the store may be used as position information of the user B.

  Subsequently, the server 110 generates information such as a two-dimensional code (step S3). Here, the server 110 may generate an image such as a two-dimensional code including information such as identification information (QRID, hereinafter also referred to as “code ID”) such as a two-dimensional code, a two-dimensional code, etc. Information such as a code ID to be included in The server 110 may generate a code ID including a value generated based on, for example, the current time and the business user ID of the user B.

  Subsequently, the server 110 associates the received position information with the information such as the generated two-dimensional code, and stores the information in the business user information 3141 (step S4).

(Business user information 3141)
In the example of FIG. 5A, the business user information 3141 stores a business user name and the like in association with the business user ID. Further, a store name, a settlement account, an address, position information, a code ID and the like are stored in association with the business user ID and the store ID. The business user ID is identification information of a user who is a business who sells products and services at a real store. The business user name is the name of the user who is the business. Store ID is identification information of each store which the said company has. The store name is the name of a store related to the store ID. The settlement account is a settlement account of the store. The settlement account may be, for example, a bank account for receiving the remittance when the money paid by the purchaser of the product etc. is remitted by the business operator operating the server 110. The address is the address of the store.

  The position information is the position information received by the process of step S2. The code ID is identification information such as a two-dimensional code generated in the process of step S3.

  In addition, when the server 110, for example, opens an account of a business operator of a shop in the server 110, the business user name, the shop name, the settlement account, and the address information input from the business company are business operators. It may be stored in the user information 3141. Note that the business operator who operates the server 110 may check, for example, based on information such as map information, information on a real estate register, and a website, whether or not a store having the store name is present at the address.

  Then, in the process of step S4, the position information and the code ID are stored in the business user information 3141. At this time, the server 110 may check whether the position information of the address registered in the provider user information 3141 substantially matches the position information received in the process of step S2.

  Subsequently, the server 110 transmits information such as the generated two-dimensional code to the terminal 120B (step S5). Here, the two-dimensional code or the like may include information such as the above-described code ID.

  Subsequently, the terminal 120B outputs a two-dimensional code or the like based on the received information (step S6). Here, for example, the terminal 120B may cause the printer to print the two-dimensional code or the like in response to the operation of the user B. Alternatively, the terminal 120B may display the two-dimensional code or the like on the screen.

«Processing at the time of settlement»
Next, the user A who is the payer brings, for example, the item he / she wants to purchase at the store to the cash register, and as shown in FIG. 6, the printed matter 602 of the two-dimensional code 601 etc. placed in the cash register Shoot with your camera. Subsequently, in response to the operation of the user A, the terminal 120A reads information such as the output two-dimensional code (step S7). Here, the terminal 120A reads, as information such as a two-dimensional code, information of an image such as a code ID or a two-dimensional code.

  Subsequently, the terminal 120A acquires the position information of the user A (step S8). Here, the control unit 324 of the terminal 120A acquires current position information of the terminal 120A measured by the position information measurement unit 323 of the terminal 120A.

  Subsequently, the terminal 120A transmits an authentication request including information such as a two-dimensional code and position information of the user A to the server 110 (step S9). Here, the terminal 120A transmits, to the server 110, an authentication request including information such as a code ID extracted from the image such as a two-dimensional code captured in the process of step S7 and position information acquired in the process of step S8. It is also good.

  Alternatively, the terminal 120A may transmit the information of the image captured in the process of step S7 in the authentication request. In this case, when the terminal 120A captures a two-dimensional code or the like with the camera in the processing of step S7 and step S8, the location information of the terminal 120A at the time of capturing is meta according to a format such as Exif (Exchangeable image file format). Image data (image file) included as data may be generated and stored. Thus, for example, a camera imaging function provided by the OS (Operating System) of the terminal 120A can be used in the processes of steps S7 and S8.

  Subsequently, the server 110 performs authentication based on the position information (step S10). The authentication process will be described later. In the following, processing when authentication is successful will be described. Subsequently, the server 110 returns a response indicating that the authentication is successful to the terminal 120A (step S11).

  Subsequently, the terminal 120A displays a settlement screen when the settlement amount is input (step S12). In the example of FIG. 7A, the terminal 120A displays an input column 702 for the settlement amount, a software keyboard 703 for number input, and a “pay” button 704 on the display screen 701 for inputting the settlement amount.

  Subsequently, the terminal 120A receives a settlement operation from the user A (step S13). Here, the terminal 120A receives an operation of inputting a payment amount that is the price of a product or the like. In the example of FIG. 7A, the terminal 120A receives an input of “780” yen as a payment amount by pressing the software keyboard 703, and receives pressing of the “pay” button 704.

  Subsequently, the terminal 120A transmits a settlement request to the server 110 (step S14). Here, the terminal 120A transmits a settlement request including information on the settlement amount and information such as a two-dimensional code.

  Subsequently, the server 110 executes payment processing (step S15). Here, the server 110 subtracts the payment amount from the balance of the user stored in the user information 3142 of FIG. 5B. In the example of FIG. 5B, the user information 3142 stores a user name, a balance, and the like in association with the user ID. The user ID is identification information of the user. The username is the name of the user.

  The balance is the balance of the amount that the user can use for settlement. The balance may include the amount of money that the user has deposited to the server 110 (held balance). The held balance may include, for example, the price of the product or the like when the product or the like is sold using the electronic commerce service provided by the server 110. Also, for example, the amount charged may be included using a bank, a credit card, a cash register of a store, or the like.

  In addition, the balance may include an amount that can be borrowed from a business operator that the user operates the server 110 (a borrowable balance). The borrowable balance is, for example, the total amount of money that the user has borrowed for each settlement in the predetermined period from the upper limit (the borrowing limit) of the amount that can be borrowed in a predetermined period (for example, one month) It may be the amount obtained by subtracting the borrowing amount).

  Then, the server 110 stores various types of information regarding the current settlement in the settlement information 3143 of FIG. 5C. In the example of FIG. 5C, in the payment information 3143, the payment date and time, the user ID of the purchaser, the user ID of the seller, and the payment amount are stored in association with the payment ID. The settlement ID is identification information of the settlement related to the settlement request received in the process of step S14. The settlement date is the date when the settlement is performed. The server 110 may set, for example, the date and time when the payment request is received, or the date and time when the terminal 120A transmits the payment request, etc. as the payment date and time.

  The purchaser's user ID is a user ID of a user who purchases a product or the like and pays for the payment. The user ID of the seller is a business user ID of a business that sells a product or the like and requests a payment. The settlement amount is the amount to be paid in the current settlement specified in the settlement request.

  In addition, for example, when a predetermined number of days (for example, 3 days) has passed from the settlement, or at a predetermined timing such as the end of the month, the settlement amount designated in the settlement request is the operator user information of FIG. 5A. The payment is made to User B's payment account stored in 3141. Note that the server 110 may store the total amount (sales) of the settled payment for each predetermined period. The sales may be stored in association with any one of the business user ID, the business user name, the shop ID, and the code ID.

  Subsequently, the server 110 transmits a notification indicating that the settlement process is completed to the terminal 120A (step S16). Subsequently, the terminal 120A displays on the screen that the settlement process has been completed (step S17). In the example of FIG. 7B, the terminal 120A displays a business user name 712, a store name 713, a settlement amount 714, and a message 715 indicating the settlement completion on the display screen 711 displaying the settlement completion.

<Authentication Process Based on Position Information of First Embodiment>
Next, with reference to FIG. 8, an example of the authentication process based on the position information by the server 110 in step S10 of FIG. 4 will be described. FIG. 8 is a flowchart showing an example of an authentication process based on position information according to the embodiment. FIG. 9 is a view showing an example of a display screen of the terminal 120C of the original seller according to the first embodiment.

  In step S101, the server 110 acquires position information of the user A. Here, the server 110 acquires position information included in the authentication request received from the terminal 120A. The server 110 may receive image data in which a two-dimensional code or the like has been captured from the terminal 120A, and extract position information included in metadata of the received image data.

  Subsequently, the server 110 refers to the provider user information 3141 and acquires position information of the user B associated with the code ID received from the terminal 120A (step S102).

  Subsequently, the server 110 performs authentication based on the position information of the user A received from the terminal 120A and the position information of the user B stored in the provider user information 3141 and determines whether the authentication is successful or not. It determines (step S103). Here, the server 110 determines, for example, whether or not the position of the user A and the position of the user B match (generally match), and if they match, it is determined that the authentication is successful, and if they are not, it is determined that the authentication is failed. If the position information includes latitude and longitude information, the server 110 determines that the distances match between the position of the user A and the position of the user B are within a predetermined threshold (for example, 100 m), and the information 110 If the distances are not within the predetermined threshold, it may be determined that they do not match.

  If the authentication is successful (YES in step S103), the server 110 returns a notification of authentication success to the terminal 120A (step S104), and ends the authentication process.

  If the authentication has failed (NO in step S103), the server 110 returns a notification of the authentication failure to the terminal 120A (step S105). In this case, the terminal 120A outputs a message indicating that the authentication has failed, by display or voice. In addition, the server 110 may transmit a notification of authentication failure to the terminal 120B, and may cause the terminal 120B to display or output a message indicating that authentication has failed.

  Subsequently, the server 110 refers to the business user information 3141 and extracts the user C whose position coincides with the user A (step S106). Here, the server 110 may determine whether or not the position of the user A and the position of each other user coincide with each other by the same determination method as the process of step S103.

  Subsequently, the server 110 transmits a notification that the authentication has failed to the terminal C of the user C (step S107), and ends the authentication process. Thus, if the printed matter such as the two-dimensional code installed in the store of the user C is illegally replaced with the printed matter such as the two-dimensional code associated with the user B, etc. Can be notified to the user C who is.

  Then, the terminal 120C displays or outputs a message indicating that the authentication has failed by displaying or displaying the display screen 901 illustrated in FIG. 9 or the like. The user C is assumed to log in to the server 110 using the terminal 120C.

  In the example of FIG. 9, the server 110 displays a message 902 indicating that the authentication of a two-dimensional code or the like presented at the store has failed at the terminal 120C, including the user name of the user C and the store name. Is displayed. In addition, the server 110 determines the date and time 903 when the authentication request is made, the name 904 of the user A of the terminal 120A that transmitted the authentication request, the payment amount 905, the name 906 of the user B, illegal substitution and replacement of two-dimensional code, etc. A message 907 prompting confirmation of the presence or absence of is displayed. The date / time 903 when the authentication request is made may be, for example, the date / time when the server 110 receives the authentication request, or may be the date / time when the terminal 120A transmits the authentication request. By notifying the user C of the date and time 903 when the authentication request is made, the user C confirms, for example, an image captured before the date and time 903 among the images captured by the security camera installed in the store. Thus, it is possible to confirm the person who made the unauthorized substitution or the like.

<Process of First Embodiment (Other Example)>
Next, another example of the process of the communication system 1 according to the first embodiment will be described with reference to FIG. FIG. 10 is a diagram showing an example of a process sequence of the communication system 1 according to the first embodiment. FIG. 4 describes an example in which the terminal 120A receives an input of the settlement amount from the user A after the authentication is successful. In FIG. 10, an example will be described in which the terminal 120A requests an authentication after accepting the input of the settlement amount from the user A. Thereby, as in the example of FIG. 4, for example, the security of payment can be improved.

<< Processing when issuing two-dimensional code etc. >>
In step S201, the terminal 120B receives, from the user B, an operation for causing the server 110 to issue a two-dimensional code or the like for presenting to a customer at a store such as a retail store. Subsequently, the terminal 120B transmits a code issuance request including the position information and the like of the user B to the server 110 (step S202). Subsequently, the server 110 generates information such as a two-dimensional code (step S203). Subsequently, the server 110 associates the received position information with the information such as the generated two-dimensional code, and stores the associated information in the operator user information 3141 (step S204). Subsequently, the server 110 transmits information such as the generated two-dimensional code to the terminal 120B (step S205). Subsequently, the terminal 120B outputs a two-dimensional code or the like based on the received information (step S206).

«Processing at the time of settlement»
Subsequently, the terminal 120A reads information such as the output two-dimensional code (step S207). Subsequently, the terminal 120A acquires the position information of the user A (step S208). The processes of step S201 to step S208 may be the same as the processes of step S1 to step S8 of FIG. 4, respectively.

  Subsequently, the terminal 120A displays a settlement screen when the settlement amount is input (step S209). Subsequently, the terminal 120A receives a settlement operation from the user A (step S210). Here, the terminal 120A receives an operation of inputting a payment amount that is the price of a product or the like. The processes in steps S209 to S210 may be the same as the processes in steps S12 to S13 in FIG.

  Subsequently, the terminal 120A transmits, to the server 110, an authentication and settlement request including the information on the settlement amount, the information such as the two-dimensional code, and the position information of the user A (step S211). This process may be the same as step S9 and step S14 of FIG.

  Subsequently, the server 110 performs authentication based on the position information (step S212). This process may be the same as the process of step S10 in FIG. In the following, processing when authentication is successful will be described.

  Subsequently, the server 110 executes a payment process (step S213). Subsequently, the server 110 transmits a notification indicating that the settlement process has been completed to the terminal 120A (step S214). Subsequently, the terminal 120A displays on the screen that the settlement process has been completed (step S215). The processes of step S213 to step S215 may be similar to the processes of step S15 to step S17 of FIG. 4, respectively.

  Below, an example of the process in 1st Embodiment is demonstrated. The processing of each of the following embodiments can be performed in combination with the processing of the other embodiments.

<< First Example >>
The first embodiment is an embodiment in which the position information of the user B is updated at a predetermined timing. According to the first embodiment, for example, even in the case of mobile sales where sales are performed at a plurality of places using mobile sales vehicles or stalls, the security of settlement can be improved.

<< Process of First Embodiment >>
In the first embodiment, after performing the processing from step S1 to step S6 in FIG. 4, the terminal 120B responds to the operation of the user B, or periodically, etc., for example, at the current timing of the terminal 120B. The position information is acquired, and the position information is transmitted to the server 110.

  Then, the server 110 updates the position information associated with the user B with the received position information in the business user information 3141 of FIG. 5A. Note that the terminal 120B may be able to set whether or not to update the position information of the user B periodically, etc., by the operation of the user B.

<< 2nd Example >>
In the second embodiment, as position information, instead of or in addition to latitude and longitude, identification information (beacon ID, SSID, etc.) of an external device such as a beacon installed near the cashier of a store, for example. Cell ID) and the like. According to the second embodiment, for example, the security of payment can be improved.

<< Process of Second Embodiment >>
In the second embodiment, an operation of inputting the ID (external device ID) of the external device is also received from the user B in the process of step S1 of FIG. The external device may be, for example, a beacon installed near the cashier of a store, an access point of a wireless LAN, a base station of a small cell of a mobile phone network, or the like. That is, as the external device ID, a beacon ID of a beacon, an ID (SSID, Service Set IDentifier) of an access point of a wireless LAN, or an ID (Cell ID) of a base station of a mobile telephone network such as 3G, LTE, 5G, etc. It may be included.

  Then, in the process of step S2, a code issuance request including the external device ID designated by the user B as the position information of the user B is transmitted to the server 110.

  Then, after performing the processing from step S3 to step S6, the following processing is performed in the processing for reading information such as a two-dimensional code in step S7. First, when the user A carrying the terminal 120A moves to the vicinity of the cash register, the terminal 120A performs near field communication with a radio signal including information such as an external device ID from an external device installed near the cash register. Etc. to receive. When terminal 120A receives external device IDs from a plurality of external devices within a predetermined time (for example, 5 seconds), terminal 120A receives an external device with the highest received signal strength indication (RSSI). The following processing may be performed on the external device ID. Thereby, for example, even when cashiers of a plurality of stores exist near user A and a plurality of external devices are installed near each cashier, they are installed near the cashiers of the store closest to user A The ID of the external device can be detected.

  Then, the terminal 120A displays a notification indicating that the signal from the external device has been received. Here, the terminal 120A may display, for example, a message indicating that a signal from an external apparatus has been received by a banner or the like using a notification function provided by the OS. Then, when the display area of the notification is pressed by the user A, the terminal 120A may activate an application for payment to display a screen for photographing a two-dimensional code or the like. As a result, the user A can easily make an operation of photographing a two-dimensional code or the like.

  Then, in the process of step S8, the terminal 120A sets the received external device ID as the position information of the user A. Then, the processing from step S9 to step S17 is performed. In this case, when performing authentication of the process of step S103 in FIG. 8 in the process of step S10, the server 110 matches the external apparatus ID associated with the user A with the external apparatus ID associated with the user B. If there is a match, it is determined that the authentication has succeeded, and if it does not match, it is determined that the authentication has failed.

<< Third Embodiment >>
In the third embodiment, the server 110 stores at least a part of the payment made using the two-dimensional code etc., and the user B who is the seller updates the two-dimensional code etc. for presenting at the store This is an example of enabling the user B to withdraw the deposited money. According to the third embodiment, for example, it is possible to urge the user B to update the two-dimensional code or the like presented in the store. Therefore, even when the two-dimensional code or the like has been replaced, a regular two-dimensional code or the like can be installed in the store when the money is dispensed.

<< Process of Third Embodiment >>
It is assumed that the settlement by the user A or the like is completed by the processing from step S1 to step S17 in FIG. In this case, the payment information is managed by the payment information 3143 in FIG. 5C, and the business operator operating the server 110 temporarily holds the payment for the payment.

  In the third embodiment, for example, when a predetermined number of days (for example, three days) has passed from the settlement, for example, the payment for the settlement temporarily deposited at a predetermined timing such as the end of the month is withdrawn. It is in the standby state.

  Then, when the process of step S1 of FIG. 4 and step S2 of FIG. 4 is performed again by the terminal 120B, the server 110 performs the process of step S3 of FIG. 4 again to generate information such as a new two-dimensional code. .

  Then, the server 110 performs the process of step S4 of FIG. 4 again, associates the received position information, the newly issued two-dimensional code, and other information with the business user of the user B in association with the business user ID of the user B. The information is stored in the information 3141. Thereby, the server 110 invalidates the information such as the two-dimensional code issued before and makes the settlement using the two-dimensional code and the like impossible thereafter. The timing of invalidating the information such as the two-dimensional code previously issued may be immediate or may be after a predetermined period (for example, one month) has elapsed. As a result, even if there are a large number of previously issued two-dimensional codes, etc., it is possible to cope flexibly. Then, the server 110 withdraws the payment for the payment temporarily deposited, which is in the payment standby state, to the payment account of the user B stored in the business user information 3141 of FIG. 5A. .

Second Embodiment
The second embodiment is an embodiment in which the display mode of the display screen to be displayed on the terminal 120A at the time of settlement is determined based on a two-dimensional code or the like.

  According to the second embodiment, based on the display mode of the payment screen of the terminal 120A, the user A who is a payer and the user B who is a store clerk of a store can recognize that the two-dimensional code or the like has been changed. Therefore, the security of payment can be improved. In addition, since the number of times that the terminal 120 communicates with the server 110 can be reduced by preventing unauthorized settlement, the load on the terminal 120 and the server 110 and the load on the network between the terminal 120 and the server 110 can be reduced as a result. The effect of being able to

  The functions of the server 110 and the terminal 120 according to the first embodiment and the functions of the server 110 and the terminal 120 according to the second embodiment can be combined as appropriate. That is, the server 110 and the terminal 120 of the present disclosure may have both the functions described in the first embodiment and the functions described in the second embodiment.

<Functional Configuration of Second Embodiment>
The functional configurations of the server 110 and the terminal 120 according to the second embodiment may be similar to the functional configurations of the server 110 and the terminal 120 according to the first embodiment illustrated in FIG. 3. The business user information 3141A stored in the storage unit 314 of the server 110 according to the second embodiment stores information of a display mode to be described later in comparison with the business user information 3141 according to the first embodiment.

<Process of Second Embodiment>
The process of the communication system 1 according to the second embodiment will be described with reference to FIGS. 11A to 14B. FIG. 11 is a diagram illustrating an example of a process sequence of the communication system 1 according to the second embodiment. FIG. 12 is a diagram for explaining an example of business user information 3141A according to the second embodiment. FIGS. 13A to 13C are diagrams showing an example of the display screen of the terminal B of the user B who charges a fee. FIG. 14A and FIG. 14B are diagrams showing an example of the display screen of the payer's terminal 120A according to the second embodiment.

<< Processing when issuing two-dimensional code etc. >>
In step S301, the terminal 120B receives, from the user B, a setting operation regarding the position information of the user B. Here, the terminal 120 </ b> B displays, for example, the display screen 1301 of FIG. 13A, and receives the setting regarding the position information of the user B. In the example of FIG. 13A, the terminal 120B displays a “manually set position information” button 1302, a “set current position information” button 1303, and a “always update with current position information” button 1304. When the "manually set position information" button 1302 is pressed, the terminal 120B displays a screen such as a map for specifying position information such as the address of a store, for example, and performs an input operation of position information from the user B. Accept. When the “set current position information” button 1303 is pressed, the terminal 120B sets the current position information of the terminal 120B as the position information of the user B. When the "always update with current position information" button 1304 is pressed, the terminal 120B is, as in the first example of the first embodiment described above, at the current timing of the terminal 120B, etc., periodically. Information is acquired, and the position information is transmitted to the server 110.

  Subsequently, the terminal 120B transmits the information set regarding the position information of the user B to the server 110 (step S302). Subsequently, the server 110 determines a display mode that can be used by the user B at the current time with respect to the position information of the user B and the like (step S303). Here, the server 110 refers to the provider user information 3141A of FIG. 12 and determines a display mode that is unique within a predetermined range including the position of the user B (for example, within a radius of 100 m centered on the position). .

(Business user information 3141A)
In the example of FIG. 12, the business user information 3141A is compared with the business user information 3141 of FIG. The information of the display mode of is stored. The display mode at the time of settlement amount input is a display mode of a display screen to be displayed on the terminal 120 of the payer's user when receiving the input of the settlement amount and the like. The display mode at the time of settlement completion is a display mode of a display screen displayed on the terminal 120 of the payer's user when the settlement is completed.

  In the process of step S303, the server 110 performs, for example, the following process. First, the server 110 extracts each other enterprise user ID located in a predetermined range including the position of the user B. And the server 110 excludes the display mode at the time of the settlement amount input matched with each extracted business user from the display mode at the time of the settlement amount input which can be used by the user B. In addition, the server 110 excludes the display mode at the time of settlement completion associated with each extracted business user from the display mode at the time of settlement completion that can be used by the user B. Here, if the display mode at the time of settlement completion associated with the user C who is the extracted business user is the display mode in which the background is displayed in red, the server 110 determines that the display mode is the user B, for example. Is excluded from the available display modes at the time of payment completion.

  Thus, for example, even when a malicious user requests the server 110 to issue a two-dimensional code or the like, the position of the store of the user B is input or the issue operation is performed in the store of the user B. The display mode of the display screen displayed on the terminal 120A at the time of settlement can be made unique. Therefore, if the display mode of the terminal 120A shown to the store clerk or the like from the user A at the time of payment is different from usual, the store clerk can notice replacement of the two-dimensional code or the like, so that unauthorized payment can be prevented. In addition, if a business operator such as a store registers in the server 110 earlier than other business operators having similar theme colors etc., a desired display mode can be selected from a relatively large number of display modes.

  Subsequently, the server 110 transmits, to the terminal 120B, a notification of a display mode available when the user B inputs a payment amount and a display mode available when the user B completes payment (step S304). Subsequently, the terminal 120B receives an operation of designating a display mode at the time of payment amount input (step S305). Here, first, the terminal 120B displays, for example, the display screen 1311 of FIG. 13B, and receives an operation of specifying the type of display mode. In the example of FIG. 13B, the terminal 120B displays the “background color” button 1312, the “background image” button 1313, the “animation” button 1313, and the “notification sound” button 1314. When the “background color” button 1312 is pressed by the user B while the display screen 1311 of FIG. 13B is displayed, the terminal 120B displays the display screen 1311 of FIG. 13C and the background color usable by the user B Accept the operation to specify. In the example of FIG. 13C, the terminal 120B displays the terms 1322B to 1327B indicating availability for each color 1322A to 1327A, respectively, so that the unavailable colors 1324A and 1326A can not be selected.

  Similarly, when the terminal 120B is displaying the display screen 1311 of FIG. 13B and the user B presses the “background image” button 1313, the “animation” button 1313, and the “notification sound” button 1314, respectively. The terminal 120B receives an operation for specifying a background image, animation, and notification sound that can be used by the user B. Thereby, the terminal 120B receives settings such as the name of the user B who is the business owner of the store, the trademark of the user B, and an image indicating the user B as a background image, an animation, or a notification sound, for example. The trademark of the user B is, for example, an identification mark used by the user B to distinguish goods and services that the user B handles from others (others). For example, characters, figures, symbols, colors, sounds Etc. may be included. In addition, the image indicating the user B may include, for example, an image of the mascot character of the user B, and the like.

  Subsequently, the terminal 120B receives an operation of designating a display mode at the time of payment completion (step S306). Here, the terminal 120 </ b> B may receive, for example, an operation for specifying a display mode at the time of completion of payment, on the same display screen as the process of step S <b> 305.

  Subsequently, the terminal 120B receives, from the user B, an operation for causing the server 110 to issue a two-dimensional code or the like for presenting to a customer at a store such as a retail store (step S307). Subsequently, the terminal 120B transmits, to the server 110, a code issuance request including the display mode at the time of settlement amount input designated by the user B, the display mode at the time of settlement completion, and the position information of the user B (step S308). .

  Subsequently, the server 110 determines whether each display mode specified by the user B is usable (step S309). Here, if the display mode designated by the user B includes a trademark of another person using, for example, AI (Artificial Intelligence), the server 110 determines that the display mode is not usable. Good.

  If it is determined that the terminal 110 is not usable, the server 110 transmits an unusable notification to the terminal 120B. Then, the terminal 120A outputs a message indicating that to the display or by voice, and displays a display screen for resetting the display mode determined not to be usable.

  Hereinafter, the case where the server 110 determines that the server 110 is usable will be described. Subsequently, the server 110 generates information such as a two-dimensional code (step S310). This process may be the same as the process of step S3 of FIG.

  Subsequently, the server 110 stores the received position information, the generated information such as the two-dimensional code, and the received information of each display mode in association with each other in the operator user information 3141A (step S311).

  The processes in steps S312 to S317 described below may be the same as the processes in steps S5 to S10 in FIG. 4, respectively. Subsequently, the server 110 transmits information such as the generated two-dimensional code to the terminal 120B (step S312). Subsequently, the terminal 120B outputs a two-dimensional code or the like based on the received information (step S313).

«Processing at the time of settlement»
Subsequently, in response to the operation of the user A, the terminal 120A reads information such as the output two-dimensional code (step S314). Subsequently, the terminal 120A acquires the position information of the user A (step S315).

  Subsequently, the terminal 120A transmits an authentication request including information such as a two-dimensional code and position information of the user A to the server 110 (step S316). Subsequently, the server 110 performs authentication based on the position information (step S317). Note that authentication based on location information is not essential. In the following, processing when authentication is successful will be described.

  Subsequently, the server 110 returns a response indicating that the authentication is successful to the terminal 120A (step S318). Here, the server 110 refers to the provider user information 3141A of FIG. 12 and transmits the information of the display mode at the time of settlement amount input, which is associated with the user B, to the terminal 120A including the response. Note that the information on the display mode at the time of settlement amount input may include the name of the user B who is the business owner of the store, the trademark of the user B, an image indicating the user B, etc. designated by the user B. .

  Subsequently, the terminal 120A displays a settlement screen (settlement input screen) at the time of settlement amount input, based on the received information on the display manner at the time of settlement amount input (step S319). Here, the terminal 120A displays the display screen 1401 of FIG. 14A. The example of FIG. 14A differs from the example of FIG. 7A in that the background image 1402 is displayed.

  The processes of steps S320 to S322 described below may be the same as the processes of steps S13 to S15 of FIG. 4, respectively. Subsequently, the terminal 120A receives a settlement operation from the user A (step S320). Subsequently, the terminal 120A transmits a settlement request to the server 110 (step S321).

  Subsequently, the server 110 executes payment processing (step S322). Subsequently, the server 110 transmits a notification indicating that the settlement process is completed to the terminal 120A (step S323). Here, the server 110 refers to the provider user information 3141A of FIG. 12 and transmits the information of the display mode at the time of payment completion, which is associated with the user B, to the terminal 120A including the notification. Note that the information on the display mode at the time of payment completion may include the name of the user B who is the business owner of the store, the trademark of the user B, an image indicating the user B, and the like designated by the user B.

  Subsequently, the terminal 120A displays a display screen (settlement completion screen) indicating that the settlement process has been completed, based on the received information on the display mode at the completion of the settlement (step S324). Here, the terminal 120A causes the display screen 1411 of FIG. 14B to be displayed. The example of FIG. 14B differs from the example of FIG. 7B in that an animation 1412 in which a character that is a trademark of the user B bows and a background image 1413 are displayed.

  Below, an example of the process in 2nd Embodiment is demonstrated. The processing of each example in the following second embodiment can be performed in combination with the processing of the other embodiment in the first embodiment and the second embodiment.

<< First Example >>
The first example is an example in which the user B can designate the display mode of the display screen to be displayed on the terminal 120A at the time of payment in accordance with the payment amount in the second embodiment. According to the first embodiment, for example, when the settlement amount is large, the security of the settlement can be improved by setting it as a special display mode.

<< Process of First Embodiment >>
In the first embodiment, in step S305 of FIG. 11A, the terminal 120B receives an operation for designating a display mode at the time of settlement amount input, according to the settlement amount. In addition, in step S306 of FIG. 11A, the terminal 120B receives an operation for designating a display mode at the time of completion of payment in accordance with the payment amount.

  Then, in step S311 of FIG. 11A, the server 110 stores the received position information, the generated information such as the two-dimensional code, and the information of each display mode corresponding to the payment amount in the business user information 3141A in association with each other. .

  Then, in step S318 in FIG. 11A, the server 110 transmits, to the terminal 120A, information on a display mode at the time of input of the payment amount, corresponding to the payment amount, associated with the user B. Then, in step S319 of FIG. 11A, the terminal 120A displays a settlement screen at the time of settlement amount input according to the settlement amount input to the user A based on the received information on the display manner at the time of settlement amount input. .

  Then, in step S323 of FIG. 11A, the server 110 transmits, to the terminal 120A, information of a display mode at the time of completion of payment, which corresponds to the payment amount, associated with the user B. Then, in step S324 of FIG. 11A, the terminal 120A displays on the screen that the payment processing has been completed, based on the information of the display mode at the time of payment completion according to the payment amount.

<< 2nd Example >>
The second example is an example in which the display screen at the time of payment completion is displayed on the terminal 120A of the user A after notifying the user B that the payment is to be performed in the second embodiment. According to the second embodiment, the security of payment can be improved.

<< Process of Second Embodiment >>
In the second embodiment, in step S322 of FIG. 11A, the server 110 first transfers the settlement request transmitted from the terminal 120A to the terminal 120B. Here, the server 110 specifies the user B who is a seller, based on information such as a two-dimensional code included in the payment request, for example.

  Then, the terminal 120B acquires the information of the settlement amount included in the settlement request, and transmits the settlement acknowledgment response to the server 110 when the settlement amount is less than a predetermined amount (for example, 10,000 yen). On the other hand, when the payment amount is equal to or more than the predetermined amount, the display screen for receiving the approval operation of the user B is displayed, and when the approval operation is received from the user B, the payment approval response is transmitted to the server 110. Then, the server 110 executes payment processing.

  The predetermined amount may be set by the user B. Also, when the payment amount is less than the predetermined amount, the server 110 may execute the payment process without transferring the payment request to the terminal 120B. In addition, when the payment amount is equal to or more than the predetermined amount, the server 110 makes a call to the telephone number associated with the user B (calling), and then makes one or two ringing tones and then disconnects (calling) The settlement process may be performed after canceling As a result, the user B can be notified of the payment by the ringing tone, and the information on the telephone number of the server 110 and the arrival time can be recorded in the incoming call history of the terminal B of the user B.

The following sections will be further disclosed regarding the above description.
(Supplementary Note 1)
The information processing apparatus
Receive position information of the first user and information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store First receiving process to
A process of authenticating the code based on the position information of the first user and the position information stored in association with the information of the code;
Information processing method to perform.
(Supplementary Note 2)
A second reception process of receiving location information of the store from a second information processing terminal of a second user who is a business owner of the store;
The information according to supplementary note 1, performing a process of generating information of the code to be issued to the second user, and associating the information of the generated code with the received position information of the store, Processing method.
(Supplementary Note 3)
A process of storing a payment paid using a first code presented at the store;
When the second code is issued to the second user at the request of the second user who is the business owner of the store, a process for paying out the payment paid using the first code to the second user And the information processing method according to any one of supplementary notes 1 and 2.
(Supplementary Note 4)
A process of storing a payment paid using a first code presented at the store;
In the case of issuing a second code to the second user at the request of the second user who is the business owner of the store, a process of making the first code invalid is further executed, any one of appendices 1 to 3 The information processing method according to one item.
(Supplementary Note 5)
A process of storing a payment paid using a first code presented at the store;
When the second code is issued to the second user at the request of the second user who is the business owner of the store, a process of invalidating the first code is further executed after a predetermined period has elapsed. The information processing method as described in any one of to 4.
(Supplementary Note 6)
The first reception process receives image data of the code captured by the first information processing terminal, and extracts position information of the first user from metadata of the received image data. The information processing method according to any one of 5.
(Appendix 7)
The information processing method according to any one of appendices 1 to 6, wherein the position information of the first user is identification information of an external device installed near the first information processing terminal.
(Supplementary Note 8)
When the authentication of the code fails in the process of authenticating the code, the authentication of the code presented in the store is failed in the information processing terminal associated with the received position information of the first user The information processing method according to any one of appendices 1 to 7, wherein a notification is sent.
(Appendix 9)
The information processing method according to any one of appendices 1 to 8, wherein the first reception process receives the position information of the first user prior to a payment request from the first user.
(Supplementary Note 10)
The information processing method according to any one of appendices 1 to 8, wherein the first reception process receives both a settlement request from the first user and position information of the first user.
(Supplementary Note 11)
Receive position information of the first user and information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store The receiving unit to
An information processing apparatus, comprising: a control unit that authenticates the code based on the position information of the first user and the position information stored in association with the information of the code.
(Supplementary Note 12)
In the information processing apparatus,
Receive position information of the first user and information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store First receiving process to
A process of authenticating the code based on the position information of the first user and the position information stored in association with the information of the code;
A program that runs
(Supplementary Note 13)
The information processing apparatus
A process of receiving information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store;
A process of transmitting, to the first information processing terminal, information for outputting at least one of a display screen and a sound, associated with the information of the code, according to the provider of the store;
Information processing method to perform.
(Supplementary Note 14)
The process of sending is
15. The information according to appendix 13, transmitting information causing the first information processing terminal to output at least one of a name of a business operator of the shop, a trademark of the business person of the shop, and an image showing the business person of the shop Processing method.
(Supplementary Note 15)
The process of sending is
The information processing method according to appendix 13 or 14, wherein information for displaying a display screen of a display mode designated by a company of the store is transmitted to the first information processing terminal.
(Supplementary Note 16)
The information processing method according to appendix 15, wherein the display screen of the display mode designated by the business operator of the store is a settlement input screen.
(Supplementary Note 17)
The information processing method according to appendix 15 or 16, wherein the display screen of the display mode designated by the business operator of the store is a settlement completion screen.
(Appendix 18)
A process that enables a business operator of the store to specify a unique display mode in a predetermined range including the position of the store;
A process of authenticating the code based on the position information of the first user and the position information stored in association with the information of the code, according to any one of appendices 13 to 17. Information processing method described.
(Appendix 19)
The information processing method according to appendix 18, wherein the position information of the first user is received prior to a settlement request from the first user.
(Supplementary Note 20)
The information processing method according to appendix 18, wherein the position information of the first user is received together with a settlement request from the first user.
(Supplementary Note 21)
The process of sending is
15. The information processing terminal according to any one of Appendices 13 to 20, which transmits to the first information processing terminal a display screen according to a business operator of the store and at least one of a sound, associated with the payment amount and the information of the code. The information processing method according to any one of the items.
(Supplementary Note 22)
The information processing according to any one of appendices 13 to 21, wherein the process of transmitting further transmits a predetermined notification to the second information processing terminal of the shop operator of the store, associated with the information of the code. Method.
(Supplementary Note 23)
A receiving unit that receives information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store;
A transmission unit for transmitting to the first information processing terminal information for causing at least one of a display screen according to the business of the store and sound to be associated with the information of the code;
An information processing apparatus having
(Supplementary Note 24)
In the information processing apparatus,
A process of receiving information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store;
A process of transmitting, to the first information processing terminal, information for outputting at least one of a display screen and a sound, associated with the information of the code, according to the provider of the store;
A program that runs

100 communication system 110 server 311 reception unit 312 transmission / reception unit 313 control unit 314 storage unit 3141 operator user information 3142 user information 3143 settlement information 120 terminal 321 reception unit 322 transmission / reception unit 323 position information measurement unit 324 control unit 325 storage unit

Claims (11)

The information processing apparatus
Receive position information of the first user and information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store First receiving process to
A process of authenticating the code based on the position information of the first user and the position information stored in association with the information of the code;
A process of storing a payment paid using a first code presented at the store;
When the second code is issued to the second user at the request of the second user who is the business owner of the store, a process for paying out the payment paid using the first code to the second user And the information processing method to perform. A second reception process of receiving location information of the store from a second information processing terminal of a second user who is a business owner of the store;
The information processing method according to claim 1, further comprising: generating information of the code to be issued to the second user, and associating and storing the generated information of the code and the received position information of the store. Information processing method. A process of storing a payment paid using a first code presented at the store;
The process according to claim 1 or 2 , further comprising the step of invalidating the first code when issuing a second code to the second user at the request of a second user who is a business owner of the store. Information processing method. A process of storing a payment paid using a first code presented at the store;
When the second code is issued to the second user at the request of the second user who is the business owner of the store, a process of invalidating the first code is further executed after a predetermined period has elapsed. The information processing method according to any one of 1 to 3 . The first reception process receives image data of the code captured by the first information processing terminal, and extracts position information of the first user from metadata of the received image data. The information processing method as described in any one of to 4 . The information processing method according to any one of claims 1 to 5 , wherein the position information of the first user is identification information of an external device installed near the first information processing terminal. When the authentication of the code fails in the process of authenticating the code, the authentication of the code presented in the store is failed in the information processing terminal associated with the received position information of the first user The information processing method according to any one of claims 1 to 6 , wherein a notification to indicate is transmitted. The information processing method according to any one of claims 1 to 7 , wherein the first reception process receives the position information of the first user prior to a payment request from the first user. The information processing method according to any one of claims 1 to 7 , wherein the first reception process receives both a settlement request from the first user and position information of the first user. Receive position information of the first user and information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store The receiving unit to
Wherein the position information of the first user, based on the position information stored in association with the information of the code have line authentication of the code,
Storing the paid payment using the first code presented at the store,
Control to withdraw money paid to the second user using the first code when the second code is issued to the second user at the request of the second user who is the business owner of the store An information processing apparatus having a unit. In the information processing apparatus,
Receive position information of the first user and information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who makes payment using the code presented at the store First receiving process to
A process of authenticating the code based on the position information of the first user and the position information stored in association with the information of the code;
A process of storing a payment paid using a first code presented at the store;
When the second code is issued to the second user at the request of the second user who is the business owner of the store, a process for paying out the payment paid using the first code to the second user And programs to run.

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