JP6964348B2 - Electronic payment method for automatic service equipment and electronic payment system for automatic service equipment - Google Patents

Description

The present invention relates to an electronic payment method and an electronic payment system for an automatic service device that enables payment for a product or service by using a mobile information device owned by an individual as a terminal.
Specifically, the present invention provides an electronic payment method for an automatic service device and an electronic payment system that enable payment of charges for an automatic service device for goods or services by using a mobile information device owned by an individual as a terminal. Regarding.
More specifically, a two-dimensional code transmitted in conjunction with an automatic service device as transaction information is acquired by using a mobile information device owned by an individual as a terminal, and cash or a card is used by using the transaction information. The present invention relates to an electronic payment method and an electronic payment system of an automatic service device that enables payment to an automatic service device of a product or service without any problems.
In the present specification, the automatic service device means a device such as a vending machine for beverages, a game machine, a coin laundry machine, an automatic massage machine, etc., which receives a price and automatically provides various products or services. ..
Services shall include the provision of goods or services.
One-time security information refers to a password and ID (identification) that are valid at a predetermined time.
Security information refers to information that has a function of protecting information from eavesdropping and falsification, and passwords, URLs that can be connected only once (Uniform Resource Locator), and the like are known.
One-time security information refers to information that is valid only once or security information that is valid only for a predetermined time.
The one-pass code is a code that is valid only once, not limited to the person or another person, and the URL method is known as the code, but the code is not limited to this.
A one-time password is a method of generating and using an ad hoc character string that is valid only for a short time as a secret character string (password) used for user identity verification, etc., also known as one-time key, one-time password. Also known as time authentication.
A two-dimensional code is a code that has information in two directions, vertical and horizontal, and a QR code (registered trademark) is widely used, but the code is not limited to this.

As the first conventional technique, a provider of a product or service displays transaction information such as a payment amount and a payment account using a two-dimensional code, and a customer uses the camera function of a mobile terminal to display the two-dimensional code. An electronic payment system that acquires and makes payments is known (see, for example, Patent Document 1).
As a second prior art, in coin laundry, when the laundry management server receives the customer identification information from the mobile information terminal owned by the customer and the identification information identifying the equipment to be used, the laundry management server confirms that the customer identification information is correct. Including a means for transmitting operation permission information to the equipment specified by the identification information and a means for receiving the operation information from the laundry equipment and creating invoice information for the customer based on the customer identification information and the operation information. A laundry system characterized by this is known (see, for example, Patent Document 2).
As a third prior art, payment information is transmitted from the acquirer server to the issuer server via the store terminal device and the user terminal device, and the funds are transferred from the user's account to the acquirer server's account on the issuer server. There is known a payment system in which the acquirer server transfers funds from the issuer server account to the store account (see, for example, Patent Document 3).

Special Table 2013-530445 (Figs. 1 to 15, paragraph 0012) JP 2002-239300 (Figs. 1 to 3, paragraphs 0020 to 0021) Patent No. 5518615 (Figs. 1 to 32, paragraphs 0033 to 0286)

In the first prior art, transaction information such as payment amount, payment account of product or service provider, etc. is displayed on a printed two-dimensional code, and the beneficiary takes a picture using the camera function of the mobile information device. It is a highly convenient system because payment is completed by sending it as payment request information together with its own payment source information. However, when this system is applied to an automatic service device, it is difficult to adopt it because there is a possibility that the payee information in the printed two-dimensional code is rewritten to a different payee information and installed.
The second conventional technique is a highly convenient system capable of so-called cashless transactions. However, the management server installed in the techno center via the public communication line must process all the users connected at that time. Then, if the management server is not configured assuming all the laundry machines, the response speed will be slowed down and the user's dissatisfaction will increase. For example, a large-scale arcade management company may own 10 or more arcades with more than 1000 game machines installed, and a management system is provided so that 10,000 arcades can be processed simultaneously using a public communication line. There is a problem that it must be constructed, and the capital investment and operating cost of the public communication line become large.
The third prior art is a highly convenient and secure payment system because a customer can obtain a QR code (registered trademark) and perform payment processing using his / her own portable information processing device. However, since the third conventional technology is premised on interpersonal transactions, the security against skimming on the communication line is performed only by encryption and identity verification, which is insufficient as a countermeasure against eavesdropping and falsification in the communication course. be.

A first object of the present invention is to provide an electronic payment method for an automatic service device that is highly safe and can be constructed at low cost.
A second object of the present invention is to provide an electronic payment system for an automatic service device that is highly secure and can be constructed at low cost.

In order to achieve this object, the first invention according to claim 1 is configured as follows.
It is an electronic payment method for automatic service equipment that provides a predetermined product or service while electronically paying the price for the automatic service device from the payer to the payee.
At a minimum, it includes an automatic service device control device, an automatic service device terminal, a store server, a beneficiary terminal, a payment gateway server, and a payment server.
Based on the transaction request operation, the automatic service device terminal transmits transaction request information including the device terminal identification information given to each of the automatic service device terminals in the automatic service device to the store server.
The store server records the device terminal identification information , generates a transaction number based on the transaction request information, and then transmits the store transaction request information to the settlement gateway server.
The settlement gateway server records the received transaction number and transmits the settlement GW transaction request information to the settlement server to make a transaction request.
The payment server generates security information based on the transaction request and transmits it to the payment gateway server.
The payment gateway server records the security information in association with the recorded transaction number, and transmits the security information to the store server in association with the transaction number.
The store server records the security information in association with the transaction number and the device terminal identification information , and transmits the security information to the automatic service device terminal specified by the device terminal identification information.
The automatic service device terminal at least encodes the security information and the device terminal identification information based on a predetermined rule, and displays the coded payment request code on the display device.
After acquiring the payment request code displayed on the display device of the automatic service device terminal, the beneficiary terminal makes a payment request to the payment server based on the security information.
The payment server performs payment processing based on the payment request transmitted from the beneficiary terminal, and also transmits payment result information to the payment gateway server.
The payment gateway server that has received the payment result information transmits the payment result information to the store server.
The store server that has received the payment result information transmits a billing instruction to the automatic service device terminal, and then receives the payment result information.
The automatic service device terminal that has received the billing command is an electronic payment method for the automatic service device, characterized in that a pseudo billing signal is output to the automatic service device control device.

The second invention according to claim 2 of the present invention is configured as follows.
It is an electronic payment method for automatic service equipment that provides a predetermined product or service while electronically paying the price for the automatic service device from the payer to the payee.
At a minimum, it includes an automatic service device control device, an automatic service device terminal, a store server, a beneficiary terminal, a payment gateway server, and a payment server.
Based on the transaction request operation, the automatic service device control device transmits transaction request information including device terminal identification information assigned to each automatic service device terminal in the automatic service device to the store server.
The store server records the device terminal identification information , generates a transaction number based on the transaction request information, and then transmits the store transaction request information to the settlement gateway server.
The settlement gateway server records the received transaction number and transmits the settlement GW transaction request information to the settlement server to make a transaction request.
The payment server generates one-time security information based on the transaction request and transmits it to the payment gateway server.
The payment gateway server records the one-time security information in association with the recorded transaction number, and transmits the one-time security information to the store server in association with the transaction number.
The store server records the one-time security information in association with the transaction number and the device terminal identification information , and transmits the one-time security information to the automatic service device terminal specified by the device terminal identification information.
The automatic service device terminal encodes at least the one-time security information and the device terminal identification information based on a predetermined rule, and displays the coded payment request code on the display device.
After acquiring the payment request code displayed on the display device of the automatic service device terminal, the beneficiary terminal makes a payment request to the payment server based on the one-time security information.
The payment server performs payment processing based on the payment request from the beneficiary terminal, and also transmits payment result information to the payment gateway server.
The payment gateway server that has received the payment result information transmits the payment result information to the store server.
The store server that has received the payment result information transmits a billing instruction to the automatic service device terminal, and then receives the payment result information.
It said charging command the automatic service equipment terminal having received the an electronic payment method for automatic service apparatus and outputs a pseudo charging signal to the automatic service apparatus controller.

The third invention according to claim 3 of the present invention is configured as follows.
The one-time security information is an electronic payment method for an automatic service device according to a second invention, which is characterized in that it is a one-pass code.

The fourth invention according to claim 4 of the present invention is configured as follows.
The electronic payment method for an automatic service device according to a second invention, wherein the one-time security information is a one-time password.

The fifth invention according to claim 5 of the present invention is configured as follows.
It is an electronic payment method of the automatic service device of the first to fourth inventions, characterized in that the payment request code is a two-dimensional code.

The sixth invention according to claim 6 of the present invention is configured as follows.
An electronic payment system for automatic service equipment that provides a predetermined product or service while electronically paying the price for the automatic service device from the payer to the payee.
At a minimum, it includes an automatic service device control device, an automatic service device terminal, a store server, a beneficiary terminal, a payment gateway server, and a payment server.
The automatic service equipment terminal is based on the transaction request operation, sends the transaction request information including the automatic service apparatus terminal equipment terminal identification information attached to each to the shop server, at least, the payment The payment request code, which is the security information transmitted from the server and the device / terminal identification information coded based on a predetermined rule, is displayed on the display device, and further, the automatic operation is based on the reception of the billing command from the store server. Sends a pseudo billing signal to the service device control device and
After acquiring the payment request code displayed on the display device of the automatic service device terminal, the beneficiary terminal makes a payment request to the payment server based on the security information.
The store server records the device terminal identification information received from the automatic service device terminal , generates a transaction number based on the transaction request information, and transmits the transaction number as store request information to the settlement gateway server. At the same time, the security information is recorded in association with the transaction number and the device terminal identification information , and at least the security information is transmitted to the automatic service device terminal specified by the device terminal identification information, and further. based on the received settlement result information from the payment gateway server, and sends the charging instruction to the automatic service equipment terminal,
The settlement gateway server records the transaction number, transmits GW transaction request information including the transaction number, makes a transaction request to the settlement server, and records the security information in association with the recorded transaction number. At the same time, the security information is transmitted to the store server, and further, the payment result information SEI is transmitted to the store server based on the reception of the payment result information from the payment server.
The settlement server, based on the store transaction request information, generates the security information, and transmits to the payment gateway server, performs the settlement process on the basis of the payment request that has been transmitted from the enjoyment user terminal,
The automatic service apparatus terminal, electronic payment automatic service apparatus, characterized in that to start the automatic service apparatus pseudo charging signal based on the charging instruction from the shop server output to the automatic service apparatus controller It is a system.

The seventh invention according to claim 7 of the present invention is configured as follows.
An electronic payment system for automatic service equipment that provides a predetermined product or service while electronically paying the price for the automatic service device from the payer to the payee.
At a minimum, it includes an automatic service device control device, an automatic service device terminal, a store server, a beneficiary terminal, a payment gateway server, and a payment server.
The automatic service equipment terminal is based on the transaction request operation, sends the transaction request information including the automatic service apparatus terminal equipment terminal identification information attached to each to the shop server, at least, the payment The one-time security information and the device / terminal identification information transmitted on the server are coded based on a predetermined rule, the coded payment request code is displayed on the display device, and the billing instruction from the store server is issued. Based on the reception, a pseudo billing signal is transmitted to the automatic service device control device, and the pseudo-billing signal is transmitted.
After acquiring the payment request code displayed on the display device of the automatic service device terminal, the beneficiary terminal makes a payment request to the payment server based on the one-time security information.
The store server records the device terminal identification information received from the automatic service device terminal , generates a transaction number based on the transaction request information, and transmits the transaction number as store request information to the settlement gateway server. At the same time, the one-time security information is recorded in association with the transaction number and the device terminal identification information , and at least the one-time security information is recorded in the automatic service device terminal specified by the device terminal identification information. transmission and further based on the received settlement result information from the payment gateway server, and sends the charging instruction to the automatic service equipment terminal,
The settlement gateway server records the transaction number, transmits GW transaction request information including the transaction number, makes a transaction request to the settlement server, and associates the one-time security information with the recorded transaction number. The one-time security information is transmitted to the store server, and the payment result information SEI is transmitted to the store server based on the reception of the payment result information from the payment server.
The payment server generates the one-time security information based on the GW transaction request information, transmits it to the payment gateway server, and performs payment processing based on the payment request transmitted from the beneficiary terminal. ,
The automatic service apparatus terminal, electronic payment automatic service apparatus, characterized in that to start the automatic service apparatus pseudo charging signal based on the charging instruction from the shop server output to the automatic service apparatus controller It is a system.

The eighth invention according to claim 8 of the present invention is configured as follows.
The electronic payment system of the automatic service device of the seventh invention, characterized in that the one-time security information is a one-pass code.

The ninth invention according to claim 9 of the present invention is configured as follows.
The electronic payment system of the automatic service device of the seventh invention, characterized in that the one-time security information is a one-time password.

The tenth invention according to claim 10 of the present invention is configured as follows.
The electronic payment system of the automatic service device of the seventh to ninth inventions, characterized in that the payment request code is a two-dimensional code.

According to the first invention, a beneficiary who intends to receive a product or service by an automatic service device operates a terminal of the automatic service device to perform a payment request operation for expressing his / her intention. The payment request operation is, for example, a touch switch. Based on this payment request operation, the automatic service device terminal transmits at least transaction request information (which may include information on charges or terminal identification information) to the store server.
The store server that receives the transaction request information generates a transaction number based on the transaction request information, and then records the transaction request information in association with the transaction information, and at least the store transaction request information including the transaction number ( The store server identification information can be included.) Is sent to the payment gateway server.
The settlement gateway server records the received store transaction request information, and at least stores the settlement GW transaction request information including the transaction number (the settlement gateway server identification information or the member store information can be included) in the settlement server. Send to and make a transaction request.
The payment server that receives the transaction request generates security information, records it in association with the received transaction number, and sends it to the payment gateway server.
The settlement gateway server records the security information in association with the recorded transaction number, and transmits the security information to the store server in association with the transaction number.
The store server that receives the security information and the transaction number records the received security information in association with the corresponding transaction number, and at least transmits the security information (the transaction number can be included) to the automatic service device terminal. do.
At least, the automatic service device terminal that has received the security information encodes at least the payment request information (which may be only the security information) including the security information based on a predetermined rule, and the coded payment. Display the request code on the display device.
The beneficiary operates his / her own beneficiary terminal, acquires the code displayed on the display device of the automatic service device terminal, and then makes a payment request to the payment server based on the security information.
Based on the payment request from the beneficiary terminal, the payment server performs a payment process that moves the payment from the payer based on the beneficiary's payer information recorded in advance to the payee based on the payee information. , Payment is completed.
After the payment is completed, the payment server transmits the payment result information together with the transaction number to the payment gateway server.
The payment gateway server transmits the payment result information to the store server based on the payment result information.
The store server transmits a billing instruction to the automatic service device terminal based on the payment result information.
The automatic service device terminal outputs a pseudo-billing signal based on the billing instruction.
The automatic service device control device provides a predetermined product or service based on the pseudo billing signal.
As a result, since the transaction number is generated on the store server, the processing on the payment gateway server or the payment server is simplified, and the processing speed is not affected. Further, since the payment request is made from the user terminal of the information related to the payment to the payment server using the security information generated in the payment server, there is an advantage that the security is enhanced, and the first object of the present invention can be achieved. There is also an advantage that cashless payment can be achieved without using banknotes or coins.

According to the second invention, a beneficiary who intends to receive a product or service from an automatic service device operates a terminal of the automatic service device to perform a payment request operation for expressing his / her intention. The payment request operation is, for example, a push button switch. Based on this payment request operation, the automatic service device terminal transmits transaction request information (which may include information on charge information or terminal identification information) to the store server.
The store server that receives the transaction request information generates a transaction number based on the transaction request information, records the transaction request information in association with the transaction number, and stores the store transaction request information including the transaction number (store server identification). Information can be included.) Is sent to the payment gateway server.
The settlement gateway server can record at least the received transaction number (which may include other transaction request information) and can include the settlement GW transaction request information (settlement gateway server identification information) including the transaction number. ) Is sent to the payment server to make a transaction request.
The payment server that receives the transaction request generates one-time security information, records it in association with the received transaction number, and sends it to the payment gateway server together with the received transaction number.
The settlement gateway server records the one-time security information in association with the recorded transaction number, and transmits the one-time security information to the store server in association with the transaction number.
The store server that receives the one-time security information and the transaction number records the one-time security information in association with the transaction number, and at least transmits the one-time security information to the automatic service device terminal.
At least, the automatic service device terminal that has received the one-time security information can include payment request information including at least one-time security information (even if it is only one-time security information, charge information, or transaction number. ) Is coded based on a predetermined rule, and the payment request code is displayed on the display device.
The beneficiary operates his / her own beneficiary terminal, acquires the payment request code displayed on the display device of the automatic service device terminal, and then makes a payment request to the payment server based on the one-time security information.
Based on the payment request sent from the beneficiary terminal, the payment server performs a payment process for transferring the payment from the payer based on the beneficiary's payer information recorded in advance to the payee based on the payee information. This completes the payment.
The payment server further transmits the payment result information together with the transaction number to the payment gateway server.
The payment gateway server transmits the payment result information to the store server based on the reception of the payment result information.
The store server transmits a billing instruction to the automatic service device terminal based on the payment result information.
The automatic service device terminal outputs a pseudo-billing signal based on the billing instruction.
The automatic service device control device provides a predetermined product or service based on the pseudo billing signal.
As a result, since the transaction number is generated on the store server, the processing on the payment gateway server or the payment server is simplified, and the processing speed is not affected. Further, since the payment request is made using the one-time security information generated in the payment server, there is an advantage that the security is further enhanced, and the first object of the present invention can be achieved. In particular, since the one-time security information is valid only for a predetermined time or only once, there is an advantage that the security of the security information that is repeatedly used is further enhanced. There is also an advantage that cashless payment can be achieved without using banknotes or coins.

According to the third invention, since the basic method is the same as that of the second invention, the first object of the present invention can be achieved. Further, in the third invention, since the one-time security information is a one-pass code, there is an advantage that the confidentiality of the information can be enhanced.

According to the fourth invention, since the basic method is the same as that of the second invention, there is an advantage that the first object of the present invention can be achieved. Further, in the fourth invention, since the transaction information is a one-time password, there is an advantage that the confidentiality of the information can be enhanced.

According to the fifth invention, since the basic method is the same as that of the first to fourth inventions, the first object of the present invention can be achieved. Further, in the fifth invention, the settlement request code is displayed by the two-dimensional code. Since the application program for acquiring the two-dimensional code is also provided free of charge, there is an advantage that this electronic payment method can be implemented at low cost.

According to the sixth invention, a beneficiary who intends to receive a product or service from an automatic service device operates a terminal of the automatic service device to perform a payment request operation for expressing his / her intention. The payment request operation is, for example, a push button switch. Based on this payment request operation, the automatic service equipment terminal transmits transaction request information (which may include at least charge information or terminal identification information) to the store server.
The store server generates a transaction number based on the received transaction request information, and then records the transaction request information in association with the transaction information, and also includes the store transaction request information including the transaction number (including the store server identification information). Can be done.) Is sent to the payment gateway server.
The settlement gateway server records the received transaction number, and at least transmits the settlement GW transaction request information including the transaction number (which may include the settlement gateway identification information) to the settlement server to make a transaction request.
The payment server generates security information based on the received GW transaction request information, records it in association with the transaction number, and at least transmits the security information and the transaction number to the payment gateway server.
The payment gateway server records the received security information in association with the recorded transaction number, and transmits the security information to the store server in association with the transaction number.
The store server records the received security information in association with the recorded transaction number, and at least transmits the security information (the transaction number can be included) to the automatic service device terminal.
The automatic service device terminal displays, at least, a payment request code in which the received security information is coded based on a predetermined rule on the display device.
The beneficiary operates his / her own beneficiary terminal, acquires the payment request code displayed on the display device of the automatic service device terminal, and then makes a payment request using the security information included in the payment request code. ..
When the payment server receives a payment request, it is specified by the payee information from the payer specified by the payer information of the beneficiary recorded in advance based on the payment request sent from the beneficiary terminal. Settlement is executed by performing a settlement process that moves the payment to the payee.
Based on the execution of this payment, the payment server transmits the payment result information together with the transaction number to the payment gateway server.
The payment gateway server transmits the gateway payment result information to the store server based on the payment result information.
The store server transmits a billing instruction to the automatic service device terminal based on the gateway payment result information.
The automatic service device terminal outputs a billing signal to the automatic service device control device based on the billing instruction.
The automatic service device control device provides a predetermined product or service based on the billing signal.
As a result, since the transaction number is generated on the store server, the processing on the payment gateway server or the payment server is simplified, and the processing speed for the entire system is not affected. Since the payment processing on the payment server is performed using the security information generated on the payment server, there is an advantage that the security is enhanced, and the second object of the present invention can be achieved. There is also an advantage that cashless payment can be achieved without using banknotes or coins.

According to the seventh invention, a beneficiary who intends to receive a product or service from an automatic service device operates a terminal of the automatic service device to perform a payment request operation for expressing his / her intention. The payment request operation is, for example, a push button switch. Based on this payment request operation, the automatic service equipment terminal transmits transaction request information (which may include at least charge information or terminal identification information) to the store server.
The store server generates a transaction number based on the received transaction request information, and then records the transaction request information in association with the transaction number, and also includes the store transaction request information including the transaction number (including the store server identification information). Can be done.) Is sent to the payment gateway server.
The settlement gateway server records the received transaction number and transmits the settlement GW transaction request information (which may include the settlement gateway server identification information) including the received transaction number to the settlement server to make a settlement request.
The payment server generates one-time security information based on the received payment GW transaction request information, records it in association with the transaction number, and transmits the one-time security information to the payment gateway server.
The payment gateway server records the received one-time security information in association with the recorded transaction number, and transmits the security information to the store server in association with the transaction number.
The store server records the received one-time security information in association with the recorded transaction number, and at least transmits the one-time security information (which can include the transaction number) to the automatic service device terminal.
The automatic service device terminal displays at least the received one-time security information (which can include transaction number, charge information, etc.) on the display device, which is a payment request code coded based on a predetermined rule. ..
The beneficiary operates his / her own beneficiary terminal, acquires the payment request code displayed on the display device of the automatic service device terminal, and then makes a payment request to the payment server using the one-time security information.
Based on the payment request, the payment server makes a payment by performing a payment process that moves funds from the payer specified by the payee information recorded in advance to the payee specified by the payee information. Is executed.
Based on the execution of this payment, the payment server transmits the payment result information together with the transaction number to the payment gateway server.
The payment gateway server transmits the payment result information to the store server based on the payment result information.
The store server transmits a billing instruction to the automatic service device terminal based on the payment result information.
The automatic service device terminal outputs a pseudo billing signal to the automatic service device control device based on the billing instruction.
The automatic service device control device provides a predetermined product or service based on the pseudo billing signal.
As a result, since the store server generates the transaction number, the processing on the payment gateway server or the payment server is simplified, and the processing speed for the entire system is not affected. Since the beneficiary terminal makes a payment request to the payment server using the one-time security information generated in the payment server, there is an advantage that security against skimming and the like is enhanced, and the second object of the present invention can be achieved. In particular, one-time security information becomes invalid after a lapse of a predetermined time, or is valid only once, so that there is an advantage that security is further enhanced for security information that is used repeatedly. There is also an advantage that cashless payment can be achieved without using banknotes or coins.

According to the eighth invention, since the basic configuration is the same as that of the seventh invention, the second object of the present invention can be achieved. Further, in the eighth invention, since the one-time security information is a one-pass code, there is an advantage that the confidentiality of the information can be enhanced.

According to the ninth invention, since the basic method is the same as that of the seventh invention, the second object of the present invention can be achieved. Further, in the ninth invention, since the transaction information is a one-time password, there is an advantage that the confidentiality of the information can be enhanced.

According to the tenth invention, since the basic method is the same as that of the sixth to ninth inventions, the second object of the present invention can be achieved. Further, in the tenth invention, the settlement request code is displayed by the two-dimensional code. Since the application program for acquisition of the two-dimensional code is provided free of charge, there is an advantage that the electronic payment system can be implemented at low cost.

FIG. 1 is a schematic explanatory view of an electronic payment system of an automatic service device according to a first embodiment of the present invention. FIG. 2 is an overall block diagram of the electronic payment system of the automatic service device according to the first embodiment of the present invention. 3A and 3B are a game machine as an automatic service device according to a first embodiment of the present invention, in which FIG. 3A is an external view and FIG. 3B is a block diagram. FIG. 4 is a flowchart for explaining the operation of the game machine as the automatic service device according to the first embodiment of the present invention. FIG. 5 shows an automatic service device terminal of the electronic payment system of the automatic service device according to the first embodiment of the present invention, (A) is a block diagram, and (B) is an example of a device terminal table. FIG. 6 is a flowchart for explaining the operation of the automatic service device terminal of the electronic payment system of the automatic service device according to the first embodiment of the present invention. FIG. 7 shows a display on the display device of the automatic service device terminal of the electronic payment system of the automatic service device according to the first embodiment, (A) is a payment application platform selection screen, and (B) is the device. The screen during processing, (C), is an example of a screen in which the QR code as a two-dimensional code is displayed on the device. FIG. 8 is a store server of the first embodiment of the electronic payment device of the automatic service device of the first embodiment according to the present invention, (A) is a block diagram, and (B) is an example of a store server table. FIG. 9 is an example of a management table managed in the store server of the first embodiment of the electronic payment system of the automatic service device of the first embodiment according to the present invention. FIG. 10 is a flowchart for explaining the operation of the store server of the electronic payment system of the automatic service device according to the first embodiment of the present invention. FIG. 11 is a block diagram of a payment gateway server of the electronic payment system of the automatic service device according to the first embodiment of the present invention. FIG. 12 is an example of a payment GW table in the payment gateway server of the electronic payment system of the automatic service device according to the first embodiment of the present invention. FIG. 13 is a flowchart for explaining the operation of the payment gateway server of the electronic payment system of the automatic service device according to the first embodiment of the present invention. FIG. 14 is a block diagram of a payment server of the electronic payment system of the automatic service device according to the first embodiment of the present invention. FIG. 15 is a flowchart for explaining the operation of the payment server of the electronic payment system of the automatic service device according to the first embodiment of the present invention. FIG. 16 is a payment server table in the payment server of the electronic payment system of the automatic service device according to the first embodiment of the present invention. FIG. 17 is an explanatory diagram of the operation of the payment application on the payment server of the electronic payment system of the automatic service device of the first embodiment according to the present invention, (A) is a flowchart for explaining a download method, and (B) is a payment. This is an example of an application table. FIG. 18 is a beneficiary terminal (portable information device) of the electronic payment system of the automatic service device of the first embodiment according to the present invention, (A) is a block diagram, and (B) is a beneficiary terminal recording table. This is an example. FIG. 19 is an operation explanatory view of a beneficiary terminal of the electronic payment system of the automatic service device of the first embodiment according to the present invention, (A) is a flowchart, (B) is a flowchart of a modified example, and (C) is. This is an example of the payment screen in the flowchart of (B). FIG. 20 is a display screen on the beneficiary terminal of the electronic payment system of the automatic service device according to the first embodiment of the present invention, (A) is an account registration screen, (B) is a payment application login screen, and (C). ) Is an example of a shooting preparation screen, and (D) is an example of a transaction confirmation screen. FIG. 21 is a flowchart for explaining the operation of the first embodiment of the electronic payment system of the automatic service device according to the present invention.

The electronic payment method of the automatic service device of the present invention is an electronic payment method of an automatic service device that provides a predetermined product or service while electronically paying the price for the automatic service device from the payer to the payee, and at least. The automatic service device control device, the automatic service device terminal, the store server, the beneficiary terminal, the payment gateway server, and the payment server are included, and the automatic service device terminal is based on the transaction request operation. The transaction request information in the automatic service device) is transmitted to the store server, the store server generates a transaction number based on the transaction request information, and then transmits the transaction request information together with the store transaction request information to the payment gateway server. The settlement gateway server records the received transaction number and transmits the settlement GW transaction request information to the settlement server to make a transaction request, and the settlement server issues one-time security information based on the transaction request. The payment gateway server transmits the one-time security information in association with the recorded transaction number, and the payment gateway server records the one-time security information in association with the recorded transaction number, and transmits the one-time security information to the store server in association with the transaction number. The store server records the one-time security information in association with the transaction number and transmits the one-time security information to the automatic service device terminal, and the automatic service device terminal at least determines the one-time security information. After coding according to the rules and displaying the coded payment request code on the display device, the beneficiary terminal acquires the payment request code displayed on the display device in the automatic service device terminal. A payment request is made to the payment server using the one-time security information, the payment server performs payment processing based on the request from the beneficiary terminal, and sends payment result information to the payment gateway server. The payment gateway server that has transmitted and received the payment result information transmits the payment result information to the store server, and the store server that receives the payment result information charges the automatic service device terminal. The automatic service device terminal that transmits a command and receives the billing command is an electronic payment method for an automatic service device, characterized in that a pseudo billing signal is output to the automatic service device control device.
In the electronic payment method of the automatic service device of the present invention, the one-time security information is preferably a one-pass code.
In the electronic payment method of the automatic service device of the present invention, the one-time security information is preferably a one-time password.
In the electronic payment method of the automatic service device of the present invention, the code is preferably a two-dimensional code.

The electronic payment system for an automatic service device according to the present invention is an electronic payment system for an automatic service device that provides a predetermined product or service while electronically paying the price for the automatic service device from the payer to the payee. The automatic service device terminal includes the automatic service device control device, the automatic service device terminal, the store server, the beneficiary terminal, the payment gateway server, and the payment server, and the automatic service device terminal is based on the transaction request operation. The transaction request information in the automatic service device is transmitted to the store server, at least the one-time security information transmitted in the payment server is coded based on a predetermined rule, and the coded payment request code is displayed on the display device. Further, a pseudo billing signal is transmitted to the automatic service device control device based on the reception of the billing command from the store server, and the beneficiary terminal is displayed on the display device of the automatic service device terminal. After acquiring the payment request code, the payment request is made to the payment server, and the store server generates a transaction number based on the transaction request information and transmits it to the payment gateway server as store request information. At the same time, the one-time security information is recorded in association with the transaction number, and at least the one-time security information is transmitted to the automatic service device terminal, and further, the payment result information is received from the payment gateway server. Based on this, a billing order is transmitted to the automatic service device terminal, and the payment gateway server records the transaction number and transmits GW transaction request information including the transaction number to send a transaction request to the payment server. At the same time, the one-time security information is recorded in association with the recorded transaction number, the one-time security information is transmitted to the store server, and the payment result information is received from the payment server. The payment result information is transmitted to the store server, and the payment server transmits the one-time security information to the payment gateway server based on the GW transaction request information, and the one-time from the beneficiary terminal. The payment process is performed based on the payment request based on the security information, and the automatic service device terminal outputs a pseudo billing signal based on the billing command from the store server to the automatic service device control device. It is an electronic payment system for automatic service equipment, which is characterized by outputting to and activating the automatic service equipment.
In the electronic payment system of the automatic service device according to the present invention, it is preferable that the one-time security information is a one-pass code.
In the electronic payment system of the automatic service device according to the present invention, it is preferable that the one-time security information is a one-time password.
In the electronic payment system of the automatic service device according to the present invention, it is preferable that the code is a two-dimensional code.

First, the outline of the electronic payment system 104 of the automatic service device 102 according to the present invention will be described with reference to FIG. In the first embodiment, the automatic service device 102 is a game machine 106 installed in a facility (amusement facility, so-called game center) 100 (in FIG. 1, first facility 1001 to nth facility 100n). Specifically, a large number of game machines 1061a to 1061n are arranged in the first facility 1001, a large number of game machines 1062a to 1062n are arranged in the second facility 1002, and a large number of game machines 106na to 106nn are arranged in the nth facility 100n. There is. In the following description, the game machines will be collectively referred to as the game machine 106. Each game machine 106 is individually attached with an automatic service device terminal 110 (hereinafter referred to as "device terminal 110") having a terminal display device 108 which is a display device composed of a liquid crystal display or the like. The terminal display device 108 and the device terminal 110 should also be numbered individually, but the same numbers are used for convenience of explanation. The device terminal 110 is connected to the store server 114 (1st store server 1141, 2nd store server 1142, nth store server 114n) by LAN (Local Area Network) using the router 112, and the store server 114 communicates with the Internet. It is connected to line 116. A payment gateway server 118 (hereinafter referred to as "payment GW server 118") is connected to the Internet communication line 116. The payment server 124 is connected to the payment GW server 118 via a dedicated line 122. The payment server 124 is connected to another payment server 124 via a dedicated line, and is constructed so that payment processing can be performed within a predetermined range. A beneficiary terminal 126 owned by a beneficiary (customer) of a product or service by the automatic service device 102, for example, a smartphone, a mobile phone, a tablet computer, etc., which are mobile information devices, is also a constituent requirement. The beneficiary terminal 126 can be connected to the payment server 124 by relaying the public wireless communication line 128 and the telecommunications carrier server 129.

Facility 100 means at least a building having a roof, pillars and walls, a room that is a part of the building, or a partitioned section in which a plurality of game machines 106 to which the device terminal 110 is attached are arranged. The automatic service device 102 is a washing machine, a dryer, a detergent vending machine, or the like when the facility 100 is a coin laundry. If the facility 100 is a vending machine stand, the automatic service device 102 is a beverage vending machine, a food vending machine, various goods vending machines, a microwave oven, an automatic music providing machine, etc., and if it is a health land, it is automatic. Massage machines, vending machines, etc. Manned or unmanned management at Facility 100 does not matter.

First, the game machine 106, which is the automatic service device 102, will be described mainly with reference to FIG.
The game machine 106 is a device having a function of providing execution of a predetermined game by using coins C having a predetermined value, for example, 100-yen coins 100C, 500-yen coins 500C, and the like, and is, for example, a crane game machine, a video game machine, and a medal. Game machines, trading card game machines, photo vending machines, etc.

Next, the main hardware configuration of the game machine 106 will be described mainly with reference to FIG.
The game machine 106 is roughly an automatic service device control device 132, a game machine control device 133, game hardware 134, a currency identification device 136, a game machine identification information recording device 138, an operation availability information output device 142, and a charge information output. It includes a device 144, a game console communication device 146, an electronic payment activation device 148, and an operating signal output device 149.

The game machine control device 133 has a function of operating the game hardware 134 based on the charge signal CHS indicating the receipt of the charge and the pseudo charge signal FCS to provide the beneficiary of the service to execute the game. The first embodiment further has an operation availability information AVI as to whether or not the game can be provided, and a function of outputting an operation operation signal RNS indicating that the game is in operation to the device terminal 110. The game machine control device 133 is

The game hardware 134 receives the start signal STS from the game machine control device 133, and based on the operation of the operation buttons or the like by the beneficiary, activates various actuators at a predetermined timing or displays a predetermined display on the display. It has a function of providing a game by performing.

The currency identification device 136 has a function of outputting a billing signal CHS such as a pulse signal to the game machine control device 133 when the charge set in the game machine 106 is received by money, and is used by a known coin sorting device or the like. Be done.

The game machine identification information recording device 138 has a function of recording the automatic machine identification information AID individually determined for each game machine 106 and outputting it in response to a request, and a known recording device is used. The automatic machine identification information AID is composed of numbers, alphabets, or a combination thereof, and is recorded in advance by an administrator.

The operability information output device 142 has a function of recording and outputting the operability information AVI output from the operability information output device 142, and a known recording device is used. For the operation enablement information AVI, for example, "1" workable information POI is output when the game can be provided, and "0" non-workable information IPI is output when the game cannot be provided.

The charge information output device 144 has a function of recording and outputting the charge information CHI for each time of the game machine 106, and is recorded in advance by the administrator corresponding to the charge setting of the game machine 106. The charge is not limited to one type, but can be set to multiple types such as 100 yen and 200 yen, and the selected amount can be used as the charge information CHI. It is preferable to set an upper limit for the charge information CHI. The upper limit is set to reduce damage in the event of fraudulent payment processing. For example, it is applied to payments of 5000 yen or less for the automatic service device 102 and 800 yen or less for the game machine 106. It is preferable to do so.

The game machine communication device 146 has a function of exchanging information with the device terminal 110 by communication, and a known communication device is used. This communication is done wirelessly or by wire. However, in an arcade, it is preferable to adopt a wireless system in order to increase the degree of freedom in the layout of the game machine 106. In the first embodiment, a wireless system via a router 112 is adopted.

When the electronic payment activation device 148 receives the pseudo charge signal FCS having the same function as the charge signal CHS based on the charge instruction CHO from the device terminal 110, the electronic payment activation device 148 outputs the activation signal STS and outputs the activation signal STS, and the game hardware 134. Has a function to start the game.

The operating signal output device 149 has a function of outputting an operating signal RNS when the game machine 106 is operating. In the first embodiment, the operating signal output device 149 outputs an operating signal RNS based on the output of the starting signal STS. Therefore, it can be estimated that the game machine 106 is operating by detecting the operating signal RNS. The operating signal RNS outputs other signals having the same function, for example, a prohibition signal (inhibit signal) for prohibiting the insertion of coins into the currency identification device 136 and the acceptance of the pseudo-billing signal FCS during operation. If so, the inverse signal can be used.

Next, the operation of the game machine 106 will be described with reference to the flowchart shown in FIG.
First, in step AS1, the operability information AVI from the operability information output device 142 is determined, and if it is the operability information POI, the process proceeds to step AS2, and if it is the inoperability information IPI, the process proceeds to step AS3.
In step AS2, the signal of the workable information POI "1" is output to the device terminal 110, and the process proceeds to step AS4.
In step AS3, the signal of "0" which is the inoperability information IPI is transmitted to the device terminal 110, and the process returns to step AS1.
In step AS4, it is determined whether or not the billing signal CHS has been output from the currency identification device 136, and if it is output, the process proceeds to step AS5, and if the billing signal CHS is not output, the process proceeds to step AS6.
If the pseudo billing signal FCS from the device terminal 110 is determined in step AS6, the process proceeds to step AS5, and if not determined, the process returns to step AS1.
In step AS5, after the operating signal output device 149 outputs the operating signal RNS, the process proceeds to step AS7.
In step AS7, after the electronic payment activation device 148 outputs the activation signal STS, the process proceeds to step AS8.
In step AS8, the game hardware 134 starts operating based on the start signal STS to start the game, and then returns to step AS1.

Next, the device terminal 110 will be described mainly with reference to FIG.
The device terminal 110 transmits the transaction request information TRI to the store server 114 when the transaction request operation TRO is performed, and when at least the transaction number TSN and the security information SCI are received from the store server 114, the payment request information. It has a function of coding the SRI and displaying the coded payment request code SDC on the terminal display device 108.
In the first embodiment, the transaction request operation TRO is an operation for starting the payment application SAP. Specifically, tapping the mark of the selected payment application SAP is the activation operation, but it is not limited to this.
The transaction request information TRI may be merely an electric signal indicating the start of a transaction, but in order to leave a history, it is preferable to include at least the device terminal identification information TID in the transaction information TSI, and in the first embodiment, it is preferable to include the device terminal identification information TID. Includes, Fee Information CHI, Electronic Payment Platform Identification Information SPI (Payment Server Identification Information SID), and Date and Time Information TDI, but can also include other information.
The payment request information SRI includes at least the security information SCI and can include the charge information CHI or the transaction number TSN.
Coding is to systematize letters or numbers so that they can be expressed by symbols in order to make them easy to handle by computer processing. In the first embodiment, a two-dimensional code TDC, for example, a QR code QRC is used. Will be done. However, it may be another coding means such as a one-dimensional barcode. In the first embodiment, the transaction request information TRI output from the device terminal 110 includes at least the charge information CHI, the payment server identification information SID, the store server identification information OID, and the member store identification information MID. be able to. In the case of a game machine 106 in which a plurality of people can operate individual operation devices to play a game individually in one game machine 106, it is necessary to provide a device terminal 110 for each of the plurality of operation devices. Therefore, it is preferable to use the device terminal identification information TID. However, when the game machine 106 and the device terminal 110 have a one-to-one relationship, the device terminal identification information TID can be substituted by the automatic machine identification information AID. In this case, the automatic machine identification information AID can be regarded as the device terminal identification information TID.
In the first embodiment, as shown in FIG. 7, the device terminal 110 includes a payment means selection button 152, a device terminal calculation device 154, and a device terminal display device 156 (in the scope of the patent claim, "display device (156)). ), Device terminal input device 157, touch panel 158, coding device 159, member store identification information recording device 160, device terminal recording device 162, device terminal identification information recording device 164, device terminal. It includes a communication device 166, a device terminal clock device 168, and a device terminal bus line 170. In the first embodiment, the device terminal 110 is configured separately from the game machine 106, which is the automatic service device 102, but is configured as a part of the game machine control device 133, in other words, integrally with the game machine 106. In this case, the configuration that exhibits the same functions as the device terminal 110 corresponds to the device terminal 110.

First, the payment method selection button 152 will be described.
The payment means selection button 152 has a function for making a transaction request for starting an electronic payment transaction, in other words, a function for performing a transaction request operation TRO when playing a game using electronic payment. Therefore, when playing a game on the game machine 106, the beneficiary who uses the electronic payment must first press the payment means selection button 152. In the first embodiment, the payment method selection button 152 is the payment method selection button 152 by tapping the logo mark button of the electronic payment platform 130 displayed on the touch panel 158 described later, the Lpay button 152L, the Opay button 152o, or the Wpay button 152W. The electronic payment platform 130 is selected, and the payment process is started based on the electronic payment platform 130. The electronic payment platform 130 is a basic system that enables payments to be made based on a request from a so-called smartphone or other beneficiary terminal 126 or the like, and is well known by Alipay (registered trademark) or the like.
In the first embodiment, as shown in FIG. 7A, the Lpay button 152L, the Opay button 152o, and the Wpay button 152W are set as the logo mark buttons. At least one electronic payment platform 130 is sufficient, but it is preferable to set a plurality of electronic payment platforms 130 so as to support various electronic payment platforms 130. The Lpay button 152L, the Opay button 152o, and the Wpay button 152W each constitute an independent payment method selection button 152.

Next, the device terminal arithmetic unit 154 will be described.
The device terminal arithmetic unit 154 is composed of an arithmetic unit, ROM (Read Only Memory), RAM (Random Access Memory), etc., and uses the device terminal 110 while appropriately communicating with RAM based on the program recorded in the ROM. It has a function to exert the functions of each of the constituent devices.

Next, the device terminal display device 156 will be described.
The device terminal display device 156 is a display device such as a liquid crystal display (liqUID crystal monitor), and is usually a payment method selection button 152, which is the above-mentioned electronic payment platform 130 Lpay button 152L, Opay button 152o, and Wpay. Button 152W is displayed. However, after the predetermined payment platform 130 is selected, at least the above-mentioned two-dimensional code TDC, which is the payment request code SDC, specifically, the QR code QRC is displayed based on the command from the device terminal arithmetic unit 154. Will be done. The device terminal display device 156 is the terminal display device 108 described above.

Next, the device terminal input device 157 will be described.
The device terminal input device 157 has a function of inputting necessary information in the device terminal 110. In the first embodiment, the touch screen method of detecting the position touched by the fingertip by the sensor of the panel is used, but the present invention is not limited to this, and other devices having the same function can be used.

Next, the touch panel 158 will be described.
The touch panel 158 has a function of being able to perform an input operation by touching a display portion displayed on the device terminal display device 156 with a finger. In the first embodiment, the touch panel 158 employs a known touch panel configured by superimposing the device terminal input device 157 on the device terminal display device 156, but the touch panel 158 is not limited to this and has the same function. Other devices that have can be used.

Next, the coding device 159 will be described.
The coding device 159 encodes the payment request information SDI, at least the security information SCI, the transaction number TSN, and the charge information CHI received from the store server 114, and outputs the payment request code SDC, specifically, two. A QR code conversion device that has a function of converting to a QR code QRC, which is a dimensional code TDC, and is configured by a known program is used. Therefore, in the first embodiment, the settlement request code SDC is the QR code QRC. The information to be converted into the two-dimensional code TDC, which is the payment request code SDC, is at least the security information SCI, and can include the transaction number TSN, the charge information CHI, the payee information PEI, and the like. The payee information PEI is information that can directly or indirectly identify the payee PYE, the direct payee information PEI is account information in a financial institution, etc., and the indirect payee information PEI is. , The identification information of the payment GW server 118 or the like in which the account in the financial institution or the like is recorded. In that sense, the transaction number TNO and the security information SCI can also be used as indirect payee information PEI. Therefore, the payment request code SDC may include at least the security information SCI. In addition, the QR code QRC can include other information necessary for electronic payment, such as transaction number TNO, payment gateway server identification information SGI, and the like. Since the QR code QRC is a kind of two-dimensional code TDC as described above, it can be replaced with another known two-dimensional code TDC or a code that will appear in the future.

Next, the member store identification information recording device 160 will be described.
The member store identification information recording device 160 has a function of recording and outputting the member store identification information MID, and a known recording device is used. It is preferable that the member store identification information MID is recorded in advance in the member store identification information recording device 160 by the administrator and cannot be rewritten.
The member store identification information MID is the identification information of the user who is given when a corporation, an organization, an individual, etc. meets a predetermined standard, and is the only identification information in the world. For example, in the payment GW server 118, the payee PYE can be indirectly specified by recording the payee information PEI in association with the member store identification information MID, and in the process of communication in electronic payment, etc. It is possible to prevent fraudulent damage caused by skimming.

Next, the device terminal recording device 162 will be described.
The device terminal recording device 162 has a function of recording information to be processed by the device terminal 110 as needed, and a known recording device is used. In the first embodiment, the device terminal table TAT is associated with the device terminal identification information TID, the automatic device identification information AID, the member store identification information MID, the service name information SNI, the payment gateway server identification information SGI, and the charge information. CHI and operation availability information AVI are recorded. The automatic machine identification information AID, the member store identification information MID, the service name information SNI, and the payment gateway server identification information SGI are recorded in advance by the administrator. As the charge information CHI, the charge information CHI from the charge information output device 144 in the game machine 106 is recorded. The control device operation availability information AVI is updated every time the operation availability information AVI from the operation availability information output device 142 changes. The payment gateway server identification information SGI is, for example, a URL.

Next, the device terminal identification information recording device 164 will be described.
The device terminal identification information recording device 164 has a function of recording the device terminal identification information TID given to each device terminal 110, and is composed of a known recording device. The device terminal identification information TID is recorded in advance by the administrator.

Next, the device terminal communication device 166 will be described.
The device terminal communication device 166 has a function of communicating with the automatic service device 102, the game machine control device 133 of the game machine 106 in the first embodiment, and the store server 114, and a known communication device is used. It is preferable that the device terminal communication device 166 communicates with the game machine communication device 146 in the game machine 106 by wire, and is connected to the store communication device 228 of the store server 114 via a wireless LAN or the like.

Next, the device terminal clock device 168 will be described.
The device terminal clock device 168 has a function of outputting the date and time information DTI used in the device terminal 110, and a known clock device is used.

Next, the device terminal bus line 170 will be described.
The device terminal bus line 170 has a function of mediating the transfer of data between the devices constituting the device terminal 110, and a known bus line is used.

Next, the device terminal table TAT will be described.
As shown in FIG. 5B, in the first embodiment, the device terminal table TAT is recorded in the device terminal identification information recording device 164 of the device terminal 110, and the terminal identification information TID is, for example, A-. 101-001, payment GW server identification information SGI, payment GW server 118 URL "http / www.asahigw.com", member store identification information MID, for example "1111111111", service name information SNI △△ game , As charge information CHI, for example 100 which means 100 yen, as operation availability information AVI, for example, "1" which means workable information POI, and URL as payment platform identification information SPI (payment server identification information SID) http / www.asahisv.com "is recorded.

Next, the operation of the device terminal 110 will be described with reference to the flowchart shown in FIG.
First, in step ES1, it is determined whether the operation availability information AVI from the operation availability information output device 142 is in a state where the game can be provided, in other words, in a game permission state, and if possible, proceeds to step ES2, and if not possible. Loop through step ES1. In other words, if the operation availability information AVI is "1", the game can be provided, so the process proceeds to step ES2, and if it is "0", step ES1 is looped.
In step ES2, the payment method selection button 152 and the amount selection button 153 of the electronic payment platform 130 are displayed on the device terminal display device 156, and the process proceeds to step ES3. Specifically, as shown in FIG. 7A, the amount selection button 153 and the decision button 155 are displayed together with the display of the Lpay button 152L, the Opay button 152o, and the Wpay button 152W. In the first embodiment, the 100-yen button 1531 and the 200-yen button 1532 are displayed as the amount selection button 153, and it is necessary to select (tap) one of them to determine the charge information CHI. When there is only one type of amount, it is preferable to display only and send the charge information CHI by tapping the enter button 155.
In step ES3, it is determined whether any of the Lpay button 152L, the Opay button 152o, and the Wpay button 152W is tapped (selected) by the beneficiary, in other words, whether any of the electronic payment platforms 130 is selected. Furthermore, it is determined whether either the 100-yen button 1531 or the 200-yen button 1532 is selected (tapped), and it is determined that the enter button 155 has been tapped, the process proceeds to step ES4, and if not pressed, step ES3 is looped. .. In other words, by tapping the enter button 155, the charge information CHI is determined together with the electronic payment platform 130.
In step ES4, after transmitting the payment platform identification information SPI, which is the payment platform identification information SPI of the selected electronic payment platform 130, the payment server identification information SID to the store server 114, the process proceeds to step ES5. Therefore, tapping the enter button 155 is the transaction request operation TRO. The payment server identification information SID is, for example, a URL. The information transmitted by tapping the enter button 155 is the transaction request information TRI. Therefore, the information indicating that the enter button 155 is tapped without including the charge information CHI and the like is also the transaction request information TRI.
In step ES5, “processing” is displayed on the device terminal display device 156 as shown in FIG. 7 (B), and the process proceeds to step ES6.
In step ES6, it is determined whether or not the one-pass code OPC, which is the security information SCI, has been received from the store server 114, and if the reception is determined, the process proceeds to step ES7, and if not, step ES6 is looped.
In step ES7, at least the received one-pass code OPC is coded by the coding device 159 and converted into a two-dimensional code TDC which is a payment request code SDC, and therefore a QR code QRC, and the process proceeds to step ES8. The payment request code SDC can include the transaction number TSN, the transaction information TSI, the payee information PEI, the payment gateway server identification information SGI, and the like.
In step ES8, as shown in FIG. 7C, the QR code QRC is displayed on the device terminal display device 156, and the process proceeds to step ES9.
In step ES9, it is determined whether or not the billing instruction CHO has been received from the store server 114, and if it is received, the process proceeds to step ES10, and if it is not received, step ES9 is looped.
In step ES10, the pseudo charge signal FCS is output to the game machine control device 133, and the process proceeds to step ES11.
In step ES11, if the start signal STS output from the game machine control device 133 is determined, the process proceeds to step ES12, and if not determined, step ES11 is looped.
After recording the billing result information CEI in step ES12, the process proceeds to step ES13.
In step ES13, the billing result information CEI is transmitted to the store server 114, and the process ends.

Next, the store server 114 will be described mainly with reference to FIG.
When the payment method selection button 152 is tapped and the transaction request information TRI is received, the store server 114 generates a transaction number TNO based on a predetermined rule and setstle the store transaction request information ORI together with the transaction number TNO GW server. When the output is output to 118 and the security information SCI is received from the payment GW server 118, the security information is sent to the corresponding device terminal 110, and when the billing result information CEI is received from the payment GW server, the store table SST is displayed. When recording, the billing command CHO is output to the corresponding device terminal 110, and the settlement result information SEI is not received from the settlement GW server 118 within a predetermined time from the receipt of the transaction number TNO from the settlement GW server 118. It has a function to invalidate the transaction request based on the transaction request information TRI.
In the first embodiment, the store server 114 is at least the transaction number generation device 218, the store calculation device 222, the store recording device 224, the store display device 226, the store communication device 228, the store input device 232, the store clock device 234, and the store. It includes a timer device 236 and a store bus line 238.

Next, the transaction number generator 218 will be described.
The transaction number generator 218 has a function of generating a transaction number TNO based on a predetermined rule when the transaction request information TRI output from the device terminal 110 is received by tapping the payment method selection button 152, and is a program. It is composed of. This transaction number TNO is transmitted to the settlement GW server 118 alone or as store transaction request information ORI together with other information such as store server identification information OID and charge information CHI. The transaction number TNO can be a combination of numbers only, a combination of numbers and letters, a combination of letters only, or a combination of symbols only. As shown in the store table SST in FIG. 9, the transaction number TNO in the first embodiment is a combination of the date, time, and device / terminal identification information TID, but can be appropriately configured.

Next, the store arithmetic unit 222 will be described.
The store arithmetic unit 222 is composed of an arithmetic unit, ROM, RAM, etc., and has a function of exerting the functions of each device constituting the store server 114 while appropriately communicating with the RAM based on the program recorded in the ROM.

Next, the store recording device 224 will be described.
The store recording device 224 has a function of recording necessary information in the process of processing while communicating with the device terminal 110 and the payment GW server 118, and a known recording device is used. The store table SST, which will be described later, is recorded in the store recording device 224. In the store table SST, at least the serial number linked to the transaction number TNO, device terminal identification information TID, payment platform identification information SPI, payment GW server identification information GID, charge information CHI, transaction number generation time TGT, security information SCI (One Pass Code OPC), billing instruction CHO, payment result information SEI, billing result information CEI and other necessary information are recorded (recorded). In the store table SST, each time information is received from the device terminal 110 and the payment GW server 118, various information received in association with the corresponding transaction number TNO is recorded. The payment GW server identification information GID is information for identifying the payment GW server 118, for example, a URL.

Next, the store display device 226 will be described.
The store display device 226 has an interface function with an operator, and a known display device (display) is used.

Next, the store communication device 228 will be described.
The store communication device 228 has a function of transmitting various information by communication between the device terminal 110 and the LAN and the payment GW server 118 via the Internet communication line 116, and a known communication device is used. Communication with the payment GW server 118 is not limited to the Internet communication line 116.

Next, the store input device 232 will be described.
The store input device 232 has a function of inputting necessary information in the store server 114, and a known keyboard is used.

Next, the store clock device 234 will be described.
The store clock device 234 has a function of outputting the date and time information DTI used in the store server 114, and a known clock device is used.

Next, the store timer device 236 will be described.
The store timer device 236 starts timekeeping after receiving the transaction request information TRI from the device terminal 110, and receives the payment result information SEI from the payment GW server 118 before the timekeeping time elapses. If not, it has a function to output the timeout information TOI. In the store server 114, the process based on the transaction request information TRI is invalidated based on the timeout information TOI, and that fact is recorded in the store table SST in association with the transaction number TNO. In the first embodiment, when the store timer device 236 is constructed by software, starts timing after receiving the transaction request information TRI, and the settlement result information SEI is within the predetermined allowable time ALT from the settlement GW server 118. If the settlement result information SEI is enabled and the permissible time ALT is exceeded, the timeout information TOI is output, assuming that the transaction has been canceled, and invalidates the processing related to the transaction number TNO.

Next, the store bus line 238 will be described.
The store bus line 238 is a known bus line having a function of communicating between devices constituting the store server 114.

Next, the store table SST recorded in the store recording device 224 will be described with reference to FIG.
The store table SST is a table for recording various information in association with the generated transaction number TNO, and essential information and arbitrary information are recorded. The store table SST is associated with at least the transaction number TNO, serial number SNO, device terminal identification information TID, payment platform identification information SPI (payment server identification information SID), payment GW server identification information GID, charge information CHI, transaction. Number generation time SGT, security information SCI (one pass code OPC), billing instruction CHO, payment result information SEI, and billing result information CEI are recorded, but in addition to this, date and time information TDI on the device terminal 110, store server identification Information OID, member store identification information MID, etc. can be recorded. The store server identification information OID is, for example, a URL.

Next, the operation on the store server 114 will be described with reference to the flowchart shown in FIG.
First, in step SS1, it is determined whether the transaction request information TRI based on the transaction request operation TRO, for example, the charge information CHI has been received, and if the transaction request information TRI is received, the process proceeds to step SS2, and if not, the step SS1 is looped. .. The store timer device 236 starts timing of the permissible time ALT based on the reception determination of the transaction request information TRI.
In step SS2, the transaction number generator 218 automatically generates the transaction number TNO based on a predetermined rule, and then proceeds to step SS3.
In step SS3, the store transaction request information ORI (at least including the transaction number TNO, the store server identification information OID, the charge information CHI, the payment server identification information SID, the device terminal identification information TID, etc. may be included) is settled. After sending to the GW server 118, the process proceeds to step SS4.
In step SS4, it is determined whether the one-pass code OPC, which is the security information SCI, is received from the payment GW server 118, and if it is received, the process proceeds to step SS5, and if it is not received, step SS4 is looped.
In step SS5, the received one-pass code OPC is associated with the transaction number TNO and recorded in the store table SST, and the process proceeds to step SS6.
In step SS6, it is determined whether or not the preset allowable time ALT has elapsed on the store server 114. In other words, if the timeout information TOI is not output, the process proceeds to step SS7, and if the timeout information TOI is output, the process proceeds to step SS8.
In step SS7, it is determined whether or not the payment result information SEI has been received from the payment GW server 118, and if it is received, the process proceeds to step SS10, and if it is not received, the process returns to step SS6.
In step SS8, the time-out information TOI indicating that the payment was not made within the permissible time ALT is recorded in the store table SST in association with the transaction number TNO, and the process ends.
In step SS9, after recording the settlement result information SEI in association with the transaction number TNO in the store table SST, the process proceeds to step SS10.
In step SS10, the billing instruction CHO is output to the device terminal 110, and the process proceeds to step SS11.
In step SS11, it is determined whether or not the billing result information CEI has been received from the payment GW server 118, and if it is received, the process proceeds to step SS12, and if it is not received, step SS11 is looped.
In step SS12, after recording the billing result information CEI in the store table SST, the process ends.

Next, the payment GW server 118 will be described mainly with reference to FIG.
When the settlement GW server 118 receives the store transaction request information ORI (at least including the transaction number TNO and can include the store server identification information OID, etc.) from the store server 114, the settlement GW server 118 records the transaction TNO and records the transaction TNO. , The payment GW transaction request information GRI is output to the payment server 124 to request the issuance of security information SCI, and when the security information SCI is received from the payment server 124, the security information SCI is recorded in association with the transaction number TNO. At the same time, when it is transmitted to the store server 114 and the payment result information SEI is received from the payment server 124, it has a function of recording the payment result information SEI and transmitting it to the store server 114. In the first embodiment, the payment GW server 118 is at least the payment GW arithmetic unit 202, the payment GW recording device 204, the payment GW display device 206, the payment GW communication device 208, the payment GW input device 212, and the payment GW clock device 214. And settlement GW bus line 216 is included.

Next, the payment GW arithmetic unit 202 will be described.
The payment GW arithmetic unit 202 is composed of an arithmetic unit, RAM, ROM, etc., and has a function of exerting the functions of each device constituting the payment GW server 118 while appropriately communicating with the RAM based on the program recorded in the ROM. Have.

Next, the payment GW recording device 204 will be described.
The payment GW recording device 204 has a function of recording information necessary in the process of processing while communicating with the store server 114 or the payment server 124, and a known recording device is used. The settlement GW recording device 204 records at least the settlement GW table SGT described later.

Next, the payment GW display device 206 will be described.
The payment GW display device 206 has an interface function with an operator, and a known display device (display) is used.

Next, the payment GW communication device 208 will be described.
The payment GW communication device 208 has a function of communicating with the store server 114 via the Internet communication line 116 and communicating with the payment server 124 via the dedicated line 122, and is used by a known communication device. Be done.

Next, the payment GW input device 212 will be described.
The payment GW input device 212 functions to input necessary information in the payment GW arithmetic unit 202, and a known keyboard is used.

Next, the payment GW clock device 214 will be described.
The settlement GW clock device 214 functions to output the date and time information DTI used in the store server 114, and a known clock device is used.

Next, the settlement GW bus line 216 will be described.
The settlement GW bus line 216 is a known bus line having a function of communicating between devices constituting the settlement GW server 118.

Next, the settlement GW table SGT recorded in the settlement GW recording device 204 will be described with reference to FIG.
In the payment GW table SGT shown in FIG. 12, information is appropriately recorded in the process of communicating with the store server 114 and the payment server 124, and the information is stored for a predetermined period of time. The payment GW table SGT is linked to the transaction number TNI and includes the serial number, device terminal identification information TID, and payment platform identification information SPI (payment server) included in the store transaction request information ORI sent from the store server 114. Identification information SID), charge information CHI, transaction number generation time SGT, store server identification information OID, security information SCI, payment result information SEI and other necessary information are recorded.

Next, the operation on the payment GW server 118 will be described with reference to the flowchart shown in FIG.
First, in step GS1, the store transaction request information ORI from the store server 114, specifically, at least the transaction number TNO, and in the first embodiment, the store server identification information OID and the payment platform identification information SPI (payment server SID). ), Determines whether the charge information CHI etc. has been received, and if it is received, proceeds to step GS2, and if it is not received, loops step GS1.
In step GS2, at least the store server identification information OID, charge information CHI, payment platform identification information SPI (payment server identification information SID) and other necessary information are recorded in the payment GW table SGT in association with the transaction number TNO. Proceed to step GS3.
In step GS3, at least the transaction number TNO, and in the first embodiment, the settlement GW server identification information SGI, the charge information CHI and other necessary transaction information TSI, and the settlement server identification information SID included in the store transaction request information ORI. After sending to the payment server 124 identified by, proceed to step GS4.
In step GS4, it is determined whether the security information SCI one-pass code OPC has been received from the payment server 124, and if it is received, the process proceeds to step GS5, and if it is not received, step GS4 is looped.
In step GS5, the one-pass code OPC is linked to the corresponding transaction number TNO and sent to the store server 114, and then the process proceeds to step GS6.
In step GS6, record the one-pass code OPC in association with the transaction number TNO in the settlement GW table SGT, and proceed to step GS7.
In step GS7, it is determined whether the time counting in the store timer device 236 in the store server 114 exceeds the permissible time ALT and the timeout information TOI is output. If the timeout information TOI is output, the process proceeds to step GS8 and is output. If not, proceed to step GS9.
In step GS8, in the settlement GW table SGT, "Time Out", which is the timeout information TOI, is recorded in the settlement result information SEI in association with the transaction number TNO, and the process is terminated.
In step GS9, it is determined whether or not the payment result information SEI has been received from the payment server 124, and if it is received, the process proceeds to step GS10, and if it is not received, step GS9 is looped.
In step GS10, the settlement result information SEI is recorded in the settlement GW table SGT, and the process is terminated. The settlement result information SEI is "Compleat" when the settlement process is completed, "failure" when the settlement process is unsuccessful, "Waiting" when waiting, "Not yet" before receiving the settlement result information SEI, etc. Is displayed.

Next, the payment server 124 will be described mainly with reference to FIG.
The settlement server 124 receives the settlement GW transaction request information GRI (at least the transaction number TNO only, or the transaction number TNO, and the settlement GW server identification information GID, or charge information CHI) as the transaction request information TRI from the settlement GW server 118. If so, the security information SCI is generated, the security information SCI generated in association with the transaction number TNO is transmitted to the received payment GW server 118, and the payment request information SRI is sent from the beneficiary terminal 126 based on the security information SCI. Is received, after performing the payment processing SET, it has a function of outputting the payment result information SEI to the beneficiary terminal 126 and the payment GW server 118. In other words, the payment server 124 constitutes the payment platform 130. Therefore, the payment server 124 is installed for each payment platform 130. Receiving payment request information SRI based on security information SCI means that if the security information SCI itself is a URL for connecting to the payment server 124, after connecting to the payment server 124 with the URL, the payment request information SRI is sent. This is a concept that includes the case of receiving the payment request information SRI after logging in by entering the password when logging in to the payment server 124. The payment processing SET is a game site operator who is a service or product provider from the payment source PYS (payment source information PAI) of a bank account, etc. registered when the beneficiary contracts with the payment platform 130. It is a process of transferring funds to the payee PYE (payee information PEI) of a bank account, etc., and it is considered that the settlement process SET is completed by the completion of the fund transfer process. In other words, regardless of whether the funds have actually been transferred, it means that the processing required for the transfer of funds has been completed in electronic payment. In the first embodiment, the payment server 124 is a computer, and at least the payment server calculation device 242, the payment server recording device 244, the payment server display device 246, the payment server communication device 248, the payment server clock device 250, and the payment server input device. Includes 252 and payment server bus line 258. Even in the payment server 124, if the payment request is not made even after a predetermined time has elapsed after the security information SCI is transmitted to the payment GW server 118, it is preferable to interrupt the process as a timeout.

Next, the payment server arithmetic unit 242 will be described.
The payment server arithmetic unit 242 is composed of an arithmetic unit, ROM, RAM, etc., and has a function of exerting the functions of each device constituting the payment server 124 while appropriately communicating with the RAM based on the program recorded in the ROM. ..

Next, the payment server recording device 244 will be described.
The payment server recording device 244 has a function of recording information necessary for processing while communicating with the payment GW server 118 and the beneficiary terminal 126, and a known recording device is used. As will be described later, the payment server table SVT and the payment application table SAT are recorded.

Next, the payment server table SVT will be described with reference to FIG.
In the payment server table SVT, the payment processing SET and the information required for verification of the payment processing SET are recorded in association with the transaction number TNO. For example, serial number linked to transaction number TNO, device terminal identification information TID, payment platform identification information SPI (payment server identification information SID), charge information CHI, transaction number generation time SGT, payment GW server identification information GID, store Server identification information OID, security information SCI (one pass code OPC), beneficiary identification information UID, beneficiary email address BMA, and payment result information SEI are recorded, but not limited to these.

Next, the payment server display device 246 will be described.
The payment server display device 246 has an interface function with an operator, and a known display device (display) is used.

Next, the payment server communication device 248 will be described.
The payment server communication device 248 transmits the payment request information SRI to and from the payment GW server 118 via the dedicated line 122, and the beneficiary terminal 126 via the public wireless communication line 128 and the communication company server 129. A known communication device is used, which has a function of exchanging information between the two.

Next, the payment server clock device 250 will be described.
The payment server clock device 250 functions to output the date and time information DTI used in the payment server 124, and a known clock device is used.

Next, the payment server input device 252 will be described.
The payment server input device 252 has a function of inputting necessary information in the payment server 124, and a known keyboard is used.

Next, the security information generator 254 will be described.
The security information generator 254 has a function of outputting security information SCI to prevent theft and falsification in communication such as Internet communication. Security information SCI is information that prevents a third party from stealing communication information or making the communication content incomprehensible. For example, coded information and decryption information when encrypted. Is known, but not limited to these. In other words, it is a general term for information that prevents a third party from easily stealing communication or grasping the content of communication. In the first embodiment, the security information generator 254 is configured by software. As the security information SCI, a one-time security information OSI, a one-pass code OPC, a one-time password OPW, an encryption key, or the like can be used. One-time security information OSI refers to information that is valid only once or information that is valid only for a specified period of time. In the first embodiment, the one-pass code OPC is adopted. The one-pass code OPC is information that can be used to establish a connection with the payment server 124 only once, regardless of the person or another person, and is, for example, a URL that can be used only once. A one-time password is a method of generating and using an ad hoc character string that is valid only for a short time as a secret character string (password) in order to make information available. The encryption key is a parameter given to the calculation procedure defined by the encryption method when encrypting data.

Next, the payment application providing device 256 will be described.
The payment application providing device 256 has a function of providing payment application software (settlement application software) necessary for payment on the beneficiary terminal 126. In the first embodiment, when there is a download request for the payment application software SAS (hereinafter referred to as "payment application SAP") from the beneficiary terminal 126, the software of the payment application SAP is transmitted to the beneficiary terminal 126. At the same time, it has a function to record information such as payment application login information LGI necessary for use in the payment application table SAT. The payment application table SAT is recorded in the payment server recording device 244. In the first embodiment, the payment application providing device 256 is configured by software.

Next, the payment server bus line 258 will be described.
The payment server bus line 258 is a well-known bus line having a function of communicating between devices constituting the payment server 124.

Next, the payment application table SAT will be described with reference to FIG. 17 (B).
At least the beneficiary identification information UID, the payment application login information LGI, the beneficiary email address BMA, the payment application login password BPW, and the payment source information PAI are recorded in the payment application table SAT. In the first embodiment, the payment source information PAI is financial institution account information BAI such as a bank account. However, the payment source information PAI can use the payment source information PAI in a system capable of paying a known fee, such as a credit card number and a debit card number, or related information that can reach the payment source information PAI. Therefore, the record of the payment source information PAI can be set not only in the payment server 124 but also in the case where it can be linked and specified.

Next, the operation of the payment server 124 will be described with reference to the flowchart of FIG.
In step PS1, the settlement GW transaction request information GRI (including at least the transaction number TNO, the settlement GW server identification information GID, the charge information CHI, and the store server identification information OID can be included) from the settlement GW server 118. It is determined whether it has been received, and if it is received, it proceeds to step PS2, and if it is not determined, it loops step PS1.
In step PS2, the security information generator 254 generates the one-pass code OPC which is the security information SCI, and then proceeds to step PS3.
In step PS3, after transmitting the one-pass code OPC to the payment GW server 118 specified by the payment GW server identification information GID included in the payment GW transaction request information GRI, the process proceeds to step PS4.
In step PS4, at least from the beneficiary terminal 126, it is connected to the payment server 124 based on the security information SCI to determine whether or not the payment request information SRI has been received. Loop.
In step PS5, the payee PYE is specified based on the payment GW server identification information GID related to the payee information PEI, and the financial institution account information BAI which is the payment source information PAI in the payment application table SAT is specified based on the login. , After executing the payment processing SET that transfers the amount of money based on the charge information CHI, proceed to step PS6.
In step PS6, the payment result information SEI is linked to the beneficiary email address MAD registered in the payment application table SAT, and the payment result information SEI is sent by e-mail, and then the process proceeds to step PS7.
In step PS7, the settlement result information SEI is transmitted to the settlement GW server 118 specified by the settlement GW server identification information GID included in the settlement GW transaction request information GRI, and then the process is terminated.

Next, on the payment server 124, the operation when there is a download request of the payment application SAP will be described with reference to the flowchart shown in FIG.
In step APS1, the payment application providing device 256 determines whether or not there is a download request information DLR from the beneficiary terminal 126, and if the download request information DLR is determined, proceeds to step APS2, and if not, loops step PS1.
In step APS2, the user is requested to enter the beneficiary identification information UID required to use the electronic payment platform 130, and the process proceeds to step APS3. The beneficiary identification information UID is, for example, a telephone number assigned to the beneficiary terminal 126, but is not limited to this.
If the reception of the beneficiary identification information UID is determined in step APS3, the process proceeds to step APS4, and if not determined, step APS4 is looped.
In step APS4, request the payment application login identification information PID and proceed to step APS5. The payment application login identification information PID is, for example, an e-mail address, but is not limited to this.
If the payment application login identification information PID is determined in step APS5, the process proceeds to step APS6, and if not determined, step APS5 is looped.
In step APS6, request the payment application login password BPW and proceed to step APS7. The payment application login password BPW is, for example, an arbitrarily set password.
In step APS7, if the payment application login password BPW is received, the process proceeds to step APS8, and if not received, step APS7 is looped.
In step APS8, the input of the settlement account information SPI is requested, and the process proceeds to step APS9. The settlement account information SPI is, for example, financial institution account information BAI, but is not limited to this.
If it is determined in step APS9 that the settlement account information SPI has been input, the process proceeds to step APS10.
In step APS10, this information is associated and recorded in the payment application table SAT, and the process ends. The download method of the payment application SAP is not limited to the above-mentioned method, and an appropriate download method such as enabling download when a predetermined password is entered following the download request DLA can be adopted. .. In this case, the above-mentioned information needs to be recorded separately.

Next, the beneficiary terminal 126 will be described mainly with reference to FIG.
The beneficiary terminal 126 acquires the payment request code SDC represented by the two-dimensional code information TDC displayed on the device terminal display device 156, which is the terminal display device 108 of the device terminal 110, and as shown in FIG. In addition, the acquired payment application SAP has a function to send payment request information SRI to the payment server 124, which is the electronic payment platform 130, via the public wireless communication line 128 provided by the communication company and the communication company server 129. .. The beneficiary terminal 126 is a mobile information device, and a so-called smartphone, tablet computer, or the like is used, and a smartphone is used in the first embodiment. The beneficiary terminal 126 is at least the beneficiary terminal arithmetic device 172, the beneficiary terminal imaging device 174, the beneficiary terminal display device 176, the beneficiary terminal recording device 178, the beneficiary terminal communication device 182, and the enjoyment. It includes a personal terminal input device 186, a code analysis device 188, a beneficiary terminal clock device 190, and a beneficiary terminal bus line 192.

First, the beneficiary terminal arithmetic unit 172 will be described.
The beneficiary terminal arithmetic unit 172 is composed of an arithmetic unit, ROM, RAM, etc., and exhibits the functions of each device constituting the beneficiary terminal 126 while appropriately communicating with the RAM based on the program recorded in the ROM. It has a function to make it.

Next, the beneficiary terminal imaging device 174 will be described.
The beneficiary terminal imaging device 174 has a function of acquiring image information GRD, is a so-called digital camera, acquires a photograph as a still image, and provides it to the code analysis device 188. In the first embodiment, the device terminal display device 156 has a function of capturing a two-dimensional code TDC, which is a payment request code SDC, specifically, a QR code QRC, and is configured by a known imaging device. There is.

Next, the beneficiary terminal display device 176 will be described.
The beneficiary terminal display device 176 has an interface function with a user who is a beneficiary, and a known display device (display) is used. Further, by arranging a transparent touch panel (not shown) on the surface of the beneficiary terminal display device 176, the beneficiary terminal input device 186 is configured.

Next, the beneficiary terminal recording device 178 will be described.
The beneficiary terminal recording device 178 has a function of recording the image information GRD acquired by the beneficiary terminal image pickup device 174 and the information necessary for the beneficiary terminal 126, and a known recording device is used. The beneficiary terminal table RTT is recorded in the beneficiary terminal recording device 178. As shown in FIG. 18 (B), at least the beneficiary identification information UID, the payment application login information LGI, the payment application login identification information PID (recipient email address BMA), and the payment are displayed on the beneficiary terminal table RTT. The app login password APW is recorded. By using the recorded payment application login information LGII, the operation when logging in to the payment server 124 is simplified.

Next, the beneficiary terminal communication device 182 will be described.
The beneficiary terminal communication device 182 has a function of transmitting and receiving payment request information SRI, receipt mail SCM, etc. to and from the payment server 124 via public wireless communication line 128, and a known communication device is used. ..

Next, the payment application recording device 184 will be described.
The payment application recording device 184 has a function of downloading the payment application SAP for executing the payment process from the payment server 124 and recording the installed program, and a known recording device is used. A plurality of payment applications SAP can be installed on one beneficiary terminal 126, and can be selectively used according to the purpose. Further, the payment application recording device 184 stores the security information SCI, the date and time information DTI for transmitting the security information SCI to the payment server 124, the payment server identification information SID, the receipt mail SCM, and the like. The history information related to these payment requests can be used as evidence by reading out when a trouble related to payment occurs.

Next, the beneficiary terminal input device 186 will be described.
The beneficiary terminal input device 186 has a function of inputting information necessary for downloading or logging in to the payment application SAP. In the first embodiment, for example, as shown in FIG. 20 (B), it is a known display keyboard displayed on the beneficiary terminal display device 176. The display keyboard can input hiragana, katakana, kanji, uppercase and lowercase letters, numbers, and symbols by switching the character type.

Next, the code analysis device 188 will be described.
The code analysis device 188 converts the QR code QRC, which is a two-dimensional code TDC acquired as image information GRD by the beneficiary terminal imaging device 174, into information that can be processed by the beneficiary terminal arithmetic device 172 or the like in the beneficiary terminal 126. It has a function of converting and outputting, and is composed of a known program.

Next, the beneficiary terminal clock device 190 will be described.
The beneficiary terminal clock device 190 has a function of outputting the date and time information DTI used in the beneficiary terminal 126, and a known clock device is used.

Next, the beneficiary terminal bus line 192 will be described.
The beneficiary terminal bus line 192 has a function of mediating the transfer of data between the devices constituting the beneficiary terminal 126, and a known bus line is used.

In the first embodiment, the payment application SAP is downloaded from the payment server 124 and installed in advance on the beneficiary terminal 126. As shown in FIG. 20 (A), when installing, input is performed using the beneficiary terminal input device 186 in the text box 194 displayed on the beneficiary terminal display device 176. The text box 194 is an identification information box 194A for entering the mobile phone number MTN, which is the beneficiary identification information UID, an account box 194B for entering the beneficiary email address BMA, which is the payment application login identification information PID, and an APW payment application, which is the payment application login password. The password box 194C for entering the login password BPW and the account box 194D for entering the financial institution account information BAI for identifying the payment source information PAI are displayed. I will do it. In other words, the mobile phone number MTN, the beneficiary email address BMA, and the payment application login password BPW are recorded in the payment server recording device 244 of the payment server 124. After inputting this information, a send button 196 to be tapped to register and a cancel button 198 to cancel the registration are displayed. When the text box 194 is tapped, as shown in the figure (B), the text box and the beneficiary terminal input device 186 are displayed on the beneficiary terminal display device 176, text can be input, and the beneficiary can be input. By inputting information into each text box 194 using the terminal display device 176, inputting all the information, and then tapping the send button 196, the information is transmitted via the public wireless communication line 128 and the telecommunications carrier server 129. It is transmitted to the payment server 124 and recorded in the payment server recording device 244. When the payment application login information LGI is recorded in the beneficiary terminal recording device 178 of the beneficiary terminal 126, the payment application SAP can be quickly launched by using the recorded contents for login. .. However, it is preferable that a high degree of security is ensured, such as requiring biometric authentication when the beneficiary terminal 126 is started.

The payment application SAP acquires the QR code QRC, which is the payment request code SDC, coded and displayed on the device terminal display device 156 (terminal display device 108) using the beneficiary terminal image pickup device 174 as image information. After analyzing the QR code QRC and converting it into information that can be processed, it has at least a function to send it to the payment platform 130 based on the converted information. Specifically, in the first embodiment, since the payment request code SDC is the one-pass code OPC, the payment platform identification information SPI (payment server identification information SID) specified by the URL represented by the one-pass code OPC is used. Be connected.
To start the payment application SAP, tap the icon (not shown) of the payment application SAP displayed on the beneficiary terminal display device 176. By this tap, the payment application SAP is started, and as shown in Fig. 20 (B), first, the first input box 262 for entering the beneficiary email address BMA as the payment application login information LGI, and the payment application login password. The second input box 264 for inputting the BPW is displayed, and the beneficiary terminal input device 186, the transmit button 196, and the cancel button 198 are displayed. The beneficiary enters the beneficiary email address BMA and the payment application login password BPW, and taps the send button 196 to send the beneficiary to the payment server 124. In the payment server 124, when they match the information recorded (registered) in the payment server recording device 244 in advance, after the signal to that effect is output, the shooting preparation screen PPS shown in FIG. 20 (C) is displayed. Is displayed. When the payment application login information LGI is recorded in the beneficiary terminal recording device 178 of the beneficiary terminal 126, the login information is collated in the beneficiary terminal 126, so that it can be performed quickly. When the cancel button 198 is tapped, the payment application SAP is terminated and the icon returns to the state. In addition, other authentication means, for example, biometric authentication by biometric authentication technology, face authentication, or the like can also be used.
On the shooting preparation screen PPS, the image acquired by the image pickup device 174 of the beneficiary terminal, the QR code QRC in the first embodiment, and the shooting cancel button 272 are displayed. In the payment application SAP, the QR code QRC is automatically focused, then automatically photographed and switched to the transaction confirmation screen TCS shown in Fig. (D). If the shooting cancel button 272 is tapped, the payment application SAP will be terminated and the icon will return to the state.
The transaction confirmation screen TCS displays a QR code QRC, a confirmation information field 274, a payment button 276, and a confirmation cancel button 278. In the first embodiment, the transaction number TNO, the member store name MNA, the terminal identification information TID, the service name SNI, the charge information CHI, etc. are displayed in the confirmation information column 274, but at least the charge information CHI is displayed. Just do it. Furthermore, it is even better if the charge information CHI and the member store name are displayed. The member store name can be obtained from the member store identification information MID. When the payment button 276 is tapped, the payment request information SRI is transmitted to the payment server 124 specified by the payment application SAP via the public wireless communication line 128 or the like. When the confirmation cancel button 278 is tapped, the payment application SAP is terminated and the icon returns to the state.

Next, the operation of the beneficiary terminal 126 will be described with reference to the flowchart shown in FIG. In the following explanation, it is assumed that the payment application SAP has already been installed, the beneficiary email address BMA and the beneficiary password EPW, which are login IDs, have been entered to log in, and the payment application SAP has been started.
In step BS1, the screen is switched to the shooting preparation screen PPS shown in FIG. 20 (C), and the image captured by the beneficiary terminal image pickup device 174 is displayed on the beneficiary terminal display device 176. In the first embodiment, the QR code QRC is displayed on the device terminal display device 156 of the device terminal 110. In that state, when the beneficiary terminal image pickup device 174 is pointed so that the entire QR code QRC is clearly displayed on the beneficiary terminal display device 176, the focus is automatically set and the focus is automatically set. The QR code QRC is imaged, and the process proceeds to step BS2.
In step BS2, the display of the beneficiary terminal display device 176 is switched to the user check screen UCS of FIG. 20 (D), and the process proceeds to step BS3.
In step BS3, after the beneficiary confirms the contents of the confirmation information column 274, it is determined whether the payment button 276 has been tapped, and if the tap is determined, the process proceeds to step BS4, and if not, step BS3 is looped.
When this loop continues for a predetermined time, it is preferable to stop the process.
Next, in step BS4, the payment request information SRI is transmitted to the payment server 124 specified by the payment server identification information SID, and the process proceeds to step BS5.
Based on this payment request information SRI, payment processing SET is performed on the payment server 124.
In step BS5, it is determined whether the receipt mail SCM which is the payment result information SEI or the non-settlement mail NSM is received from the payment server 124, and if it is the receipt mail SCM, proceed to step BS6, and if it is the non-settlement mail NSM, go to step BS7. move on. If the e-mail is not received from the payment server 124 for a predetermined time, it is preferable to process the error and end the e-mail.
In step BS6, the payment completion display (receipt mail SC) is displayed on the beneficiary terminal display device 176, and the process is completed.
In step BS7, the payment incomplete display (unsettled mail NSM) is displayed on the beneficiary terminal display device 176, and the process is terminated.
As shown in FIG. 19B, the process proceeds from step BS4 to step BS5a, and as shown in FIG. 19C, after displaying the payment completion screen SCS on the beneficiary terminal display device 176, the process proceeds to step BS6a. move on. The payment completion information column 282 is displayed on the payment completion screen SCS, and the payment completion information column 282 indicates that payment such as "payment completed" has been performed based on the tap of the payment button 276 in step BS4. It is preferable to display the display, the charge information CHI, and the payee such as the member store name. In addition, the screenshot button 284 and the SS cancel button 286 are displayed below the payment completion information column 282.
In step BS6a, it is determined whether the screenshot button 284 has been tapped, and if it is tapped, the process proceeds to step BS7a, and if it is not tapped, step BS6a is looped.
In step BS7a, a copy of the payment completion screen SCS is created, recorded in the beneficiary terminal storage device 178, and the process ends. The record of this screenshot can be used as evidence in case of troubles related to payment at a later date.

Next, the operation of the electronic payment system of the automatic service device of the first embodiment will be described with reference to the flowchart of FIG. It is assumed that the payment application SAP is downloaded to the beneficiary terminal 126, the payment application login information LGI is recorded in advance, and the necessary information is also recorded in the payment server 124.
First, when the power is turned on in the game machine 106, which is the automatic service device 102, and the game machine control device 133 starts operating, in step AS1, whether or not the game machine 106 can be operated in the operation availability information output device 142. Is determined and can be operated, the process proceeds to step AS2, and the signal of the workable information POI "1" is output to the device terminal 110 together with the automatic machine identification information AID as the workability information AVI, and the operation is not possible. If there is, a signal of "0", which is the inoperability information IPI, is output to the device terminal 110 together with the automatic machine identification information AID.
When the device terminal 110 receives the operability information AVI from the game machine 106, the device terminal table TAT in the device terminal recording device 162 is associated with the device terminal identification information TID in step ES1 to display the operability information AVI. After recording, proceed to step ES2.
In step ES2, after displaying the Lpay button 152L, the Opay button 152o, the Wpay button 152W, the 100-yen button 1531 and the 200-yen button 1532, and the enter button 155 on the device terminal display device 156, the process proceeds to step ES3.
In step ES3, it is determined whether any of the Lpay button 152L, the Opay button 152o, or the Wpay button 152W is tapped (selected) by the beneficiary, in other words, whether any of the electronic payment platforms 130 is selected. Further, when it is determined whether either the 100-yen button 1531 or the 200-yen button 1532 is selected (tapped) and it is determined that the enter button 155 has been tapped, the process proceeds to step ES4.
In step ES4, after transmitting the transaction request information TRI to the store server 114, the process proceeds to step ES5, and the device terminal display device 156 displays that "processing" is in progress. In the first embodiment, the transmitted transaction request information TRI includes at least the device terminal identification information TID and the electronic payment platform identification information SPI (payment server) in consideration of utilization when a trouble occurs with the beneficiary. Identification information SID), charge information CHI, and date and time information DTI are preferably included.
When the store server 114 determines in step SS1 that it has received the transaction request information TRI, it proceeds to step SS2 to generate the transaction number TNO based on a predetermined rule, and then in step SS3, at least the transaction number TNO and the charge. Store transaction request information ORI including information CHI, payment server identification information SID, device terminal identification information TID, and store server identification information OID is transmitted to the payment GW server 118. In the first embodiment, the store transaction request information ORI includes the transaction number TNO and the store server identification information OID, as well as the charge information CHI and the date and time information DTI.

When the settlement GW server 118 determines the store transaction request information ORI including the transaction number TNO in step GS1, the process proceeds to step GS2 and proceeds to step GS2, and the electronic payment platform identification information SPI included in the received transaction number TNO and the store transaction request information ORI. After recording (payment server identification information SID), charge information CHI, date and time information DTI, and store server identification information OID in the payment GW table SGT in association with the transaction number TNO, the process proceeds to step GS3. In step GS3, transaction number TNO, payment GW identification information GID, store server identification information OID, device terminal identification information TID, electronic payment to the payment server 124 specified by the electronic payment platform identification information SPI (payment server identification information SID). Sends settlement GW transaction request information GRI including platform identification information SPI, rate information CHI, and date and time information DTI.

When the payment server 124 determines the reception of the payment GW transaction request information GRI in step PS1, the payment server 124 proceeds to step PS2, generates a one-pass code OPC which is security information SCI, proceeds to step PS3, and includes the payment GW transaction request information GRI. Settlement GW server identification information The one-pass code OPC is sent to the settlement GW server 118 specified by the GID in association with the transaction number TNO. Further, in the settlement server 124, the settlement GW transaction request information GRI is recorded in the settlement server table SVT in association with the transaction number TNO.

When the settlement GW server 118 determines the reception of the one-pass code OPC from the settlement server 124 in step GS4, in step GS5, the one-pass code OPC is associated with the transaction number TNO and recorded in the settlement GW table SGT, and then in step GS6. , The one-pass code OPC and the device terminal identification information TID are linked to the transaction number TNO and transmitted to the store server 114 specified by the store server identification information OID recorded in association with the transaction number TNO. After this transmission, in step GS7, it is determined whether the timeout information TOI is output from the store server 114, and if the timeout information TOI is not output, the settlement result information SEI is in the standby state.

If the store server 114 determines that the one-pass code OPC has been received in step SS4, it proceeds to step SS5, records the one-pass code OPC received in association with the same transaction number TNO in the store table SST, and records the one-pass code OPC in association with each other. The transaction number TNO and the one-pass code OPC are transmitted to the device terminal 110 specified by the device terminal identification information TID. In addition, the reception of the one-pass code OPC in step SS4 triggers the store timer device 236 to start timing the permissible time ALT.

When the device terminal 110 determines the one-pass code OPC transmitted from the store server 114 in step ES6, the device terminal 110 proceeds to step ES7 and converts the payment request information SRI into the payment request code SDC. In the first embodiment, after the payment request information SRI (one-pass code OPC) is converted into the QR code QRC, the QR code QRC is displayed on the beneficiary terminal display device 176 in step ES8 (Fig. 7 (C)). The payment request information SRI may include at least one pass code OPC, transaction number TNO, device terminal identification information TID, charge information CHI, payment GW server identification information GID, member store name MNI, and service name information NMI. can.

The beneficiary operates the beneficiary terminal 126 and taps the start button (not shown) of the payment application SAP. The payment application SAP is started by tapping the start button, and the payment application login screen SLS is displayed on the beneficiary terminal display device 176 as shown in FIG. 20 (B). You will be required to enter the payment application login information LGI email address BMA in the first input box 262 and the payment application login password BPW in the second input box 264. By inputting them using the beneficiary terminal input device 186 and tapping the send button 196, the information is recorded in the payment application SAP via the public wireless communication line 128, the carrier server 129, and the dedicated line 122. If the login information LGI is correct, it is determined by comparing it with the information recorded in the payment server recording device 244 of the payment server 124, and if it is correct, it is sent to the payment server 124 specified by the payment server identification information SID. If the login is successful and the shooting preparation screen PPS shown in Fig. 20 (C) is displayed and it is invalid, the login screen SLS is terminated, and after displaying that the login information LGI is different, the payment application SAP Return to the icon screen.
In step BS1, when the QR code QRC displayed on the device terminal display device 156 is displayed on the shooting preparation screen PPS of the beneficiary terminal display device 176 shown in FIG. 20 (C), the focus is automatically set. The image of the QR code QRC is automatically acquired.
Next, in step BS2, the transaction confirmation screen TCS shown in Fig. 20 (D) is changed, and the transaction number TNO, member store name MNI, device terminal identification information TID, service name SNI, and fee are displayed in the confirmation information field 274 together with the QR code QRC. Information CHI, 100 yen in the first embodiment, and the payment button 276 and the cancel button 278 are displayed. In step BS3, if the payment button 276 is tapped as proof that the beneficiary has agreed to make a transaction, the process proceeds to step BS4.
In step BS4, the beneficiary terminal 126 is connected to the payment server 124 via the public wireless communication line 128 or the like using at least the payment server identification information SID specified by the one-pass code OPC, and the payment request information SRI. To send.

When the payment server 124 determines the payment request information SRI transmitted from the beneficiary terminal 126 in step PS4, after recording those payment request information SRIs available on the payment server 124 in step PS5, In the first embodiment, when it is confirmed that the received transaction number TNO matches the transaction number TNO recorded in the settlement server table SVT, the settlement process SET is performed, and then the process proceeds to step PS6. As described above, the settlement processing SET means that in the first embodiment, the beneficiary transfers the charge related to the charge information CHI to the business operator that operates the facility 100. Therefore, the charge information CHI is transmitted to the payment server table SVT of the payment server 124 together with the financial institution account information BAI which is the payment source specific information PAI input by the beneficiary terminal 126. This makes it possible to identify the payment source PYS and the amount of money to be transferred. In addition, the payment destination PYE can be specified by the transaction number TNO and the payment GW server identification information GID included in the payment request information SRI. For example, the payee PYE can be specified by recording the payee information PEI in the payment GW table SGT specified by the payment GW server identification information GID. As a result, the settlement processing SET can be completed by performing the remittance processing from the financial institution account information BAI of the payment source PYS to the settlement account specified by the payment destination information PEI of the payment destination PYE.
In step PS6 on the payment server 124, payment result information SEI
Is sent to the registered beneficiary email address BMA. Specifically, when the payment process is completed, the payment request information SRI and the receipt mail SCM indicating that the payment has been completed are output, and when the payment is unsuccessful, the payment request information SRI and the non-settlement mail NSM indicating that the payment could not be made are output. do. Since the beneficiary email address BMA is registered in the payment application table SAT, it can be obtained based on the sent beneficiary identification information UID. The beneficiary e-mail address BMA can be omitted by providing the beneficiary terminal 126 with the settlement completion screen SCS or the transaction history recording function.

The beneficiary terminal 126 displays the payment result information SEI received from the payment server 124 on the beneficiary terminal display device 176. For example, when payment is completed, a receipt email SCM message such as "payment completed" is displayed together with the payment request information SRI, and if something goes wrong, payment of "cannot be settled" is not possible together with the payment request information SRI. Email NSM messages are displayed.

In step PS7, the settlement server 124 subsequently associates the settlement GW server identification information GID, which is recorded in association with the transaction number TNO, with the settlement GW server 118, and associates the settlement result information SEI with the transaction number TNO. To send.

The settlement GW server 118 determines whether the timeout information TOI is output in step GS7, and proceeds to step GS9 if it is not output. If it is determined in step GS9 that the payment result information SEI has been received, the process proceeds to step GS10, the payment result information SEI is recorded in the payment GW table SGT in association with the transaction number TNO, and then the transaction is made to the store server 114 in step GS11. Send the payment result information SEI in association with the number TNO.

The store server 114 proceeds to step SS7 when the timeout information TOI is not determined in step SS6, and when the settlement result information SEI transmitted from the settlement GW server 118 is determined in step SS7, the store server 114 corresponds to the settlement GW table SGT in step SS9. Record the settlement result information SEI in association with the transaction number TNO. When the payment result information SEI is the receipt mail SCM, the billing instruction CHO is transmitted to the device terminal 110 in step SS10.

When the device terminal 110 determines the billing instruction CHO in step ES9, the device terminal 110 proceeds to step ES10 and outputs a pseudo billing signal FCS to the game machine control device 133. The pseudo billing signal FCS means a signal that exerts the same function as the billing signal CHS output from the money identification device 136, and in the first embodiment, it is a pulse signal having a predetermined time width and voltage value.

When the game machine control device 133 determines the pseudo charging signal FCS from the device terminal 110 in step AS6, the game machine control device 133 proceeds to step AS5, outputs an operating signal RNS to the device terminal 110, and then proceeds to step AS6 to proceed to the game. The hardware 134 is activated to start a predetermined game.

When the device terminal 110 determines the operating signal RNS in step ES11, the device terminal 110 proceeds to step ES12, records the billing result information CEI in the device terminal recording device 162 in association with the transaction number TNO, and then proceeds to step ES13. , Send the billing result information CEI to the store server 114. If the operating signal RNS is not received from the game machine control device 133 within a predetermined time, it is preferable to output the billing failure information.

When the store server 114 determines the billing result information CEI in step SS11, the store server 114 proceeds to step SS12.
In step SS12, the billing result information CEI is recorded in the store table SST in association with the transaction number TNO.
Therefore, the store table SST is associated with the transaction number TNO, and at least the device terminal identification information TID, the payment server identification information SID, the charge information CHI, the transaction number generation time SGT, the one-pass code OPC, the billing instruction CHO, Since the payment result information SEI (payment approval information SAI or operation availability information AVI) and the billing result information CEI are recorded, it is highly convenient when investigating the history.

102 Automatic service equipment
110 Automatic service equipment terminal
114 store server
118 Payment Gateway Server
124 Payment server
126 Beneficiary terminal
132 Automatic service equipment controller
156 Display device
CHO billing order
FCS pseudo billing signal
GRI Settlement GW Transaction Request Information
OPC One Pass Code
OPW one-time password
ORI store transaction request information
OSI one-time security information
PYS payer
PYE payee
QRC QR code
SCI Security Information
SDC payment request code
SEI payment result information
SRI payment request information
TDC two-dimensional code
TNO transaction number
TRO transaction request operation
TRI transaction request information
TSI transaction information

Claims (10)

An electronic payment method for an automatic service device that provides a predetermined product or service while electronically paying the price for the automatic service device (102) from the payer (PYS) to the payee (PYE).
At least, an automatic service device control device (132), an automatic service device terminal (110), a store server (114), a beneficiary terminal (126), a payment gateway server (118), and a payment server (124). ) Including
Based on the transaction request operation (TRO), the automatic service device terminal (110) is the device terminal identification information (equipment terminal identification information) given to each automatic service device terminal (110) in the automatic service device (102). The transaction request information (TRI) including the TID) is transmitted to the store server (114), and the transaction request information (TRI) is transmitted to the store server (114).
The store server (114) records the device terminal identification information (TID ), generates a transaction number (TNO) based on the transaction request information (TRI), and then generates the store transaction request information (ORI). To the payment gateway server (118)
The settlement gateway server (118) records the received transaction number (TNO) and transmits the settlement GW transaction request information (GRI) to the settlement server (124) to make a transaction request.
The payment server (124) generates security information (SCI) based on the transaction request and transmits the security information (SCI) to the payment gateway server (118).
The payment gateway server (118), said along with the record in relation to security information (SCI) recorded the transaction number (TNO), the store said security information (SCI) the transaction number to the server (114) (TNO ) And send
The store server (114) records the security information (SCI) in association with the transaction number (TNO) and the device terminal identification information (TID), and identifies the security information (SCI) by the device terminal identification information (TID). the send automatic service equipment terminal to (110) which is,
The automatic service device terminal (110) encodes at least the security information (SCI) and the device terminal identification information (TID) based on a predetermined rule, and the coded payment request code (SDC). Is displayed on the display device (156),
After the beneficiary terminal (126) acquires the payment request code (SDC) displayed on the display device (156) in the automatic service device terminal (110), the beneficiary terminal (126) is said to be based on the security information (SCI). Make a payment request to the payment server (124) and make a payment request.
The payment server (124) performs payment processing based on the payment request transmitted from the beneficiary terminal (126), and also transmits payment result information (SEI) to the payment gateway server (118). ,
Upon receiving the payment result information (SEI), the payment gateway server (118) transmits the payment result information (SEI) to the store server (114).
The store server (114) that has received the payment result information (SEI) transmits a billing command (CHO) to the automatic service device terminal (110).
An electronic payment method for an automatic service device, wherein the automatic service device terminal (110) that has received the billing instruction (CHO) outputs a pseudo billing signal (FCS) to the automatic service device control device (132). .. An electronic payment method for an automatic service device that provides a predetermined product or service while electronically paying the price for the automatic service device (102) from the payer (PYS) to the payee (PYE).
At least, an automatic service device control device (132), an automatic service device terminal (110), a store server (114), a beneficiary terminal (126), a payment gateway server (118), and a payment server (124). ) Including
The automatic service device control device (132) is based on the transaction request operation (TRO), and the device terminal identification information (device terminal identification information) given to each automatic service device terminal (110) in the automatic service device (102). The transaction request information (TRI) including the TID) is transmitted to the store server (114), and the transaction request information (TRI) is transmitted to the store server (114).
The store server (114) records the device terminal identification information (TID ), generates a transaction number (TNO) based on the transaction request information (TRI), and then generates the store transaction request information (ORI). To the payment gateway server (118)
The settlement gateway server (118) records the received transaction number (TNO) and transmits the settlement GW transaction request information (GRI) to the settlement server (124) to make a transaction request.
The payment server (124) generates one-time security information (OSI) based on the transaction request and transmits it to the payment gateway server (118).
The payment gateway server (118) records the one-time security information (OSI) in association with the recorded transaction number (TNO), and records the one-time security information (OSI) on the store server (114). Send in association with transaction number (TNO),
The store server (114) records the one-time security information (OSI) in association with the transaction number (TNO) and the device terminal identification information (TID), and records the device terminal identification information (TID). Send to the automatic service device terminal (110) specified by
The automatic service device terminal (110) encodes at least the one-time security information (OSI) and the device terminal identification information (TID) based on a predetermined rule, and the coded payment request code ( SDC) is displayed on the display device (156),
The beneficiary terminal (126) acquires the payment request code (SDC) displayed on the display device (156) of the automatic service device terminal (110), and then sends the one-time to the payment server (124). Make a payment request based on security information (OSI)
The payment server (124) performs payment processing based on the payment request from the beneficiary terminal (126), and also transmits payment result information (SEI) to the payment gateway server (118).
Upon receiving the payment result information (SEI), the payment gateway server (118) transmits the payment result information (SEI) to the store server (114).
The store server (114) that has received the payment result information (SEI) transmits a billing command (CHO) to the automatic service device terminal (110).
The automatic service device terminal (110) that has received the billing instruction (CHO) outputs a pseudo billing signal (FCS) to the automatic service device control device (132) for electronic payment of the automatic service device. Method. The electronic payment method for an automatic service device according to claim 2, wherein the one-time security information (OSI) is a one-pass code (OPC). The electronic payment method for an automatic service device according to claim 2, wherein the one-time security information (OSI) is a one-time password (OPW). The electronic payment method for an automatic service device according to any one of claims 1 to 4, wherein the payment request code (SDC) is a two-dimensional code (TDC). An electronic payment system for an automatic service device that provides a predetermined product or service while electronically paying the price for the automatic service device (102) from the payer (PYS) to the payee (PYE).
At least, an automatic service device control device (132), an automatic service device terminal (110), a store server (114), a beneficiary terminal (126), a payment gateway server (118), and a payment server (124). ) Including
The automatic service apparatus terminal (110) is based on the transaction request operation (TRO), the automatic service equipment terminal (110) transaction request information including the granted equipment terminal identification information (TID) for each ( TRI) is transmitted to the store server (114), and at least the security information (SCI) and the device terminal identification information (TID) transmitted from the payment server (124) are coded based on a predetermined rule. The payment request code (SDC) is displayed on the display device (156), and further, pseudo-charging is performed on the automatic service device control device (132) based on the reception of the billing command (CHO) from the store server (114). Send a signal (FCS) and
After the beneficiary terminal (126) acquires the payment request code (SDC) displayed on the display device (156) in the automatic service device terminal (110), the beneficiary terminal (126) is said to be based on the security information (SCI). Make a payment request to the payment server (124) and make a payment request.
The store server (114) records the device terminal identification information (TID) received from the automatic service device terminal (110), and records the transaction number (TNO) based on the transaction request information (TRI). It is generated and transmitted as store request information (ORI) to the payment gateway server (118), and the security information (SCI) is recorded in association with the transaction number (TNO) and the device terminal identification information (TID). At the same time, at least the security information (SCI) is transmitted to the automatic service device terminal (110) specified by the device terminal identification information (TID) , and further, payment is made from the payment gateway server (118). results based on the received information (SEI), and sends the charging instruction to said (CHO) automatic service equipment terminal (110),
The settlement gateway server (118) records the transaction number (TNO) and transmits GW transaction request information (GRI) including the transaction number (TNO) to make a transaction request to the settlement server (124). At the same time, the security information (SCI) is recorded in association with the recorded transaction number (TNO), the security information (SCI) is transmitted to the store server (114), and further, the payment server (124) sends the security information (SCI). Based on the receipt of the payment result information (SEI), the payment result information SEI is transmitted to the store server (114), and the payment result information SEI is transmitted to the store server (114).
Said payment server (124) based on the store transaction request information (ORI), the generated security information (SCI), and transmits the to the payment gateway server (118), the enjoyment user terminal from (126) Perform payment processing based on the transmitted payment request,
The automatic service apparatus terminal (110), the store automated service output to the server the charging instruction from the (114) said pseudo charging signal (FCS) based on (CHO) automatic service apparatus controller (132) An electronic payment system for automated service devices that activates the device. An electronic payment system for an automatic service device that provides a predetermined product or service while electronically paying the price for the automatic service device (102) from the payer (PYS) to the payee (PYE).
At least, an automatic service device control device (132), an automatic service device terminal (110), a store server (114), a beneficiary terminal (126), a payment gateway server (118), and a payment server (124). ) Including
The automatic service apparatus terminal (110) is based on the transaction request operation (TRO), the automatic service equipment terminal (110) transaction request information including the granted equipment terminal identification information (TID) for each ( TRI) is transmitted to the store server (114), and at least the one-time security information ( OSI ) and the device terminal identification information (TID) transmitted by the payment server (124) are transmitted based on a predetermined rule. It is coded, the coded payment request code (SDC) is displayed on the display device (156), and further, the automatic service device control device ( Send a pseudo billing signal (FCS) to 132)
The beneficiary terminal (126) obtains the payment request code (SDC) displayed on the display device (156) of the automatic service device terminal (110), and then is based on the one-time security information ( OSI). Make a payment request to the payment server (124).
The store server (114) records the device terminal identification information (TID) received from the automatic service device terminal (110), and records the transaction number (TNO) based on the transaction request information (TRI). It is generated and transmitted as store request information (ORI) to the payment gateway server (118), and the one-time security information ( OSI ) is associated with the transaction number (TNO) and the device terminal identification information (TID). At least, the one-time security information ( OSI ) is transmitted to the automatic service device terminal (110) specified by the device terminal identification information (TID) , and further, the payment gateway server (118) is transmitted. ) settlement result based on the received information (SEI) from, and sends the charging instruction to (said CHO) automatic service equipment terminal (110),
The settlement gateway server (118) records the transaction number (TNO) and transmits GW transaction request information (GRI) including the transaction number (TNO) to make a transaction request to the settlement server (124). At the same time, the one-time security information ( OSI ) is recorded in association with the recorded transaction number (TNO), the one-time security information ( OSI ) is transmitted to the store server (114), and the payment server is further recorded. Based on the receipt of the payment result information (SEI) from (124), the payment result information SEI is transmitted to the store server (114), and the payment result information SEI is transmitted to the store server (114).
The payment server (124) generates the one-time security information (OSI ) based on the GW transaction request information (GRI), transmits the one-time security information (OSI) to the payment gateway server (118), and at the same time, the beneficiary terminal ( Perform payment processing based on the payment request sent from 126)
The automatic service apparatus terminal (110), the store automated service output to the server the charging instruction from the (114) said pseudo charging signal (FCS) based on (CHO) automatic service apparatus controller (132) An electronic payment system for automated service devices that activates the device. The electronic payment system for an automatic service device according to claim 7, wherein the one-time security information (OSI) is a one-pass code (OPC). The electronic payment system for an automatic service device according to claim 7, wherein the one-time security information (OSI) is a one-time password (OPW). The electronic payment system for an automatic service device according to any one of claims 7 to 9, wherein the payment request code (SDC) is a two-dimensional code (TDC).

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