JP7317535B2 - Terminal device, server device, information processing method, and program - Google Patents

Description

The present invention relates to a terminal device or the like that reads a code, extracts payment information from the code, and transmits the payment information to a server device.

Conventionally, the merchant terminal inputs the billing amount and displays the two-dimensional code on the display, and the user's portable terminal photographs the two-dimensional code and displays the billing amount on the display. and the user identification ID to the operation company server, and after the operation company server performs a security check of the user mobile terminal based on the user identification information, based on the card information acquired based on the card designation information Between the financial institution There is a settlement system that performs settlement procedures (see Patent Document 1, for example).

International publication WO2017/029824

In recent years, there has been an incident in which a legitimate QR code (registered trademark: the same shall apply hereinafter) is replaced with a fake QR code by a criminal group, and the money is transferred to the bank account of the criminal group.

Even in the conventional payment system as described above, there is a possibility that the code read by the terminal device is replaced and the payment is made to an illegal payee other than the original payee.

In the following description, "replacement" usually refers to changing a code to be read into another code, but it may also mean, for example, changing part or all of the code (so-called falsification). The replacement may be performed in any manner as long as at least part of the code to be read is changed as a result.

The terminal device of the first invention comprises a code reading unit for reading a code, a payment information extracting unit for extracting payment information related to payment from the code read by the code reading unit, and information included in the payment information, which is used for payment. a payee first information transmission unit that transmits to the server device the payee first information, which is at least a part of the payee information related to the payee, and the payee second information associated with the payee first information from the server device A terminal device comprising a payee second information receiving unit for receiving and a payee second related information output unit for outputting payee second related information related to the payee second information.

With this configuration, the user or store clerk recognizes that the code has been replaced based on the output payee second related information, thereby preventing payment to an unauthorized payee due to code replacement.

In addition, in the terminal device of the second invention, in contrast to the first invention, after the payee second related information output unit outputs the payee second information, the payment instruction that is the payment instruction is received. The terminal device further includes a reception unit and a payment information transmission unit that transmits payment information only when the payment instruction reception unit receives the payment instruction.

With such a configuration, the user or store clerk can make payment safely by issuing a payment instruction after confirming that the code has not been replaced.

In addition, in the second invention, the payment information is transmitted to the server device, for example, but may be transmitted to an external device.

Further, in the terminal device of the third invention, in contrast to the first or second invention, the payee first information is the first part of the payee information, and the payee second information is the payee information It is a terminal device that is a second part other than the first part.

With such a configuration, the first part of the payee information extracted from the code is transmitted to the server device, and the second payee information is received from the server device. It is possible to recognize that the code has been replaced based on the payee's second information included in the payee's second related information.

In the third aspect, the second part may be information that can be recognized by the user of the terminal device, and the payee second related information may include the payee second information.

With this configuration, the user or store clerk can recognize that the code has been replaced based on the payee second information included in the output payee second related information and the recognizable second part.

In addition, in the third or fourth invention, the terminal device further comprises a judgment unit for judging whether or not the payee second information matches the second part, and acquiring the judgment result. The related information may include judgment results.

With this configuration, even if the second part is information that the user does not recognize, the user or the store clerk can recognize that the code has been replaced based on the determination result included in the output payee second related information. recognizable.

Further, in the terminal device of the fourth invention, for any one of the first to third inventions, the payee first information is the payee account number of the payee, and the payee second information is It is the name of the payee's account holder of the payee, and the second payee related information is a terminal device containing one or more information of the payee's account holder's name or the store name corresponding to the payee.

With this configuration, the user or store clerk can easily recognize that the code has been replaced based on the payee account holder name or store name included in the output payee second related information.

In particular, since the payee second related information includes the store name, the user or store clerk can easily recognize that the code has been replaced without recognizing the name of the payee account holder.

In addition, the server device of the fifth aspect of the present invention comprises: a payee correspondence information storage unit storing payee correspondence information which is a set of pairs of payee first information and payee second information; (iv) a payee first information receiving unit for receiving the payee first information from the terminal device of any one of the inventions, and payee second information associated with the payee first information received by the payee first information receiving unit; from the payment destination corresponding information storage unit, and a payment destination second information transmission unit transmitting the payment destination second information acquired by the payment destination second information acquisition unit to the terminal device. It is a server device that

With such a configuration, the terminal device can output the payee second related information. Therefore, the user or store clerk recognizes that the code has been replaced based on the output payee second related information, and can prevent payment to an unauthorized payee due to code replacement.

According to the present invention, it is possible to prevent payment to an unauthorized payee due to code replacement.

Block diagram of an information system according to an embodiment Block diagram of the same code generation server Block diagram of the store terminal Flowchart explaining the operation of the terminal device Flowchart explaining the operation of the same server device Data structure diagram of the store information Data structure diagram of the payee correspondence information A diagram showing an example of a screen containing the payee second related information Diagram showing an example of the internal configuration of the same computer system

Hereinafter, embodiments of a terminal device and the like will be described with reference to the drawings. It should be noted that, since components denoted by the same reference numerals in the embodiments perform similar operations, repetitive description may be omitted.

FIG. 1 is a block diagram of an information system according to this embodiment. This information system includes a code generation server 1 , one or more store terminals 2 , one or more terminal devices 3 , and a server device 4 .

The code generation server 1 is communicably connected to one or more store terminals 2 via a network such as LAN or the Internet, or a wireless or wired communication line. The server device 4 is communicably connected to one or more terminal devices 3 via a network, a communication line, or the like.

The code generation server 1 is a server that generates code. The code will be described later. The code generation server 1 is, for example, a server of an organization such as a company or group that manages an information system. Alternatively, the code generation server 1 may be, for example, a cloud server, an ASP server, or the like, regardless of its type or location.

The store terminal 2 is a store terminal. In addition, a store is mentioned later. The store terminal 2 is, for example, a cash register terminal installed at a store cash register. Alternatively, the store terminal 2 may be, for example, a store clerk's mobile terminal or a stationary PC, and any type of store terminal may be used. A mobile terminal is a terminal that can be carried. The mobile terminal is, for example, a tablet terminal, a smart phone, a notebook PC, a mobile phone, etc., but the type is not limited.

The store terminal 2 has, for example, an input device such as a keyboard or a touch panel, and receives amount information. Note that the amount information will be described later. The code generation server 1 generates a code in which payment information including the amount information is embedded in response to a request from the store terminal 2 that has received the amount information. The request and payment information will be described later. The shop terminal 2 also has an output device such as a display and a printer, and outputs the code generated by the code generation server 1 via the output device.

The terminal device 3 in this embodiment is usually a user terminal, and may be referred to as a user terminal 3 hereinafter. The user terminal 3 is a user's terminal. A user is a user of an information system and is usually a customer of a store. The user terminal 3 is typically a user's mobile terminal. When the user makes a purchase at a store, the store clerk inputs amount information to the store terminal 2, and a code is output from the store terminal 2. - 特許庁The user makes payment by photographing the output code with the user terminal 3 .

The user terminal 3 has a camera and reads the code with the camera. Incidentally, in the present embodiment, the code to be read is usually the code output from the store terminal 2 . The code output from the shop terminal 2 is usually a variable code. The code in this embodiment is usually a code that changes each time payment is made. Codes of this kind may, for example, be called one-time codes. However, the code may also be, for example, a code that changes regularly or irregularly.

Alternatively, the code is not limited to the dynamically changing code as described above, and may be, for example, a fixed code, regardless of its type. A fixed code is, for example, a code printed in advance on a surface such as paper or a panel, or displayed on an electronic bulletin board or the like. However, fixed codes may be excluded from the codes in this embodiment.

Also, the user terminal 3 extracts payment information from the read code and transmits it to the server device 4 .

Server device 4 in the present embodiment is usually a payment server, and may be referred to as payment server 4 hereinafter. The settlement server 4 is a server that performs settlement. The settlement server 4 is, for example, a server of a financial institution such as a bank or credit card company. Alternatively, the settlement server 4 may be a cloud server or the like, regardless of its type or location. The payment server 4 receives payment information from the user terminal 3 and performs payment processing. The payment processing will be described later.

The settlement server 4 also manages payee information, for example. Management of payee information includes, for example, storage of payee correspondence information, reception of payee first information, and transmission of payee second information. The payee information, payee correspondence information, payee first information, and payee second information will be described later.

Note that the above configuration is an example, and can be changed as appropriate. For example, the information system does not have the code generation server 1 and the one or more store terminals 2, and the terminal device 3 may read a code pre-printed on a surface of paper or the like (Modification 1). Alternatively, the information system may not have the code generation server 1, and the store terminal 2 may output a fixed code (Modification 2).

Also, the server device 4 may be, for example, a management server. The management server is a server that manages payee information. In this case, the settlement process may be performed by an external device (not shown) (Modification 3).

Further, in the present embodiment, the user is the user of the terminal device 3 and is usually a customer of the store, but may be a store clerk. In other words, the user can also be considered as the user of the shop terminal 2 . In this case, the customer's terminal device 3 outputs a code, and the store clerk may read the code with the store terminal 2 (modification 4).

In addition, in the present embodiment, the store is usually a real store, but may be a virtual store. In the latter case, the information system further has, for example, a store server (not shown). Alternatively, such a store server may also have the functions of the code generation server 1 . The store terminal 2 may be, for example, a PC (not shown) in the user's home, a television in a guest room such as an accommodation facility, or a personal monitor (not shown) in a seat of an aircraft or the like. A code generated by the code generation server 1 or store server may be displayed on a PC, television, personal monitor, or the like, and the user may take a picture of the code with the user terminal 3 and make a payment.

FIG. 2 is a block diagram of the code generation server 1. As shown in FIG. The code generation server 1 includes a generation/storage unit 11 , generation/reception unit 12 , generation processing unit 13 , and generation/transmission unit 14 . The generation storage unit 11 has a store information storage unit 111 . The generation processing unit 13 includes a code generation unit 131 . The generation/transmission unit 14 includes a code transmission unit 141 .

FIG. 3 is a block diagram of the store terminal 2. As shown in FIG. The store terminal 2 includes a store storage unit 21 , a store reception unit 22 , a store processing unit 23 , a store transmission unit 24 , a store reception unit 25 and a store output unit 26 . The store reception unit 25 has a code reception unit 251 . The store output unit 26 has a code output unit 261 .

A block diagram of the user terminal 3 is included in FIG. The user terminal 3 includes a user storage section 31 , a user reception section 32 , a user processing section 33 , a user transmission section 34 , a user reception section 35 and a user output section 36 . The user reception section 32 includes a code reading section 321 and a payment instruction reception section 322 . The user processing unit 33 includes a payment information extraction unit 331 and a judgment unit 332 . The user transmission unit 34 includes a payment information transmission unit 341 and a payee first information transmission unit 342 . The user reception section 35 includes a payee second information reception section 351 . The user output unit 36 includes a payee second related information output unit 361 .

A block diagram of the payment server 4 is included in FIG. The payment server 4 includes a payment storage unit 41 , a payment reception unit 42 , a payment processing unit 43 and a payment transmission unit 44 . The settlement storage unit 41 includes a payee correspondence information storage unit 411 . The settlement reception unit 42 includes a payee first information reception unit 421 . The settlement processing unit 43 includes a payee second information acquisition unit 431 . The settlement transmission unit 44 includes a payee second information transmission unit 441 .

The generation/storage unit 11 constituting the code generation server 1 can store various kinds of information. Various types of information are, for example, store information, which will be described later.

The store information storage unit 111 stores one or more store information. Store information is information about a store. A store is a place where goods or services can be purchased. The stores are, for example, various stores such as electronics stores and clothing stores, department stores, shopping malls, restaurants, etc., but the type is not limited.

A store in the present embodiment is, for example, a store affiliated with an organization that provides services using an information system, and may be called a member store. Store information includes, for example, a store identifier and payee information. A store identifier is information that identifies a store.

The store identifier is, for example, a member store number, telephone number, e-mail address, ID, or the like, but any information that can identify the store may be used. A member store number is a number assigned to a member store. A store identifier such as a member store number is, for example, an array of one or more characters or symbols, but the representation format is not limited.

Payee information is information about the payee. The payment destination is the destination to which the price is paid. The payment destination is, for example, the operating company or owner of the store, or the holding company of the operating company, etc., but the type is not limited. Payments are usually made in currency. The currency is, for example, the yen, but may be a foreign currency such as the dollar, and the type of currency is not limited. However, the payment may be made, for example, by electronic money, points, or virtual currency that can be used to purchase products, or by issuing a check or bill.

The payee is, for example, an account opened in a financial institution by a company operating a store. The financial institution is, for example, a bank, but may also be various associations, securities companies, etc., and any type of financial institution is acceptable as long as it is possible to open an account. The account is usually a currency account, but it may be an ID such as electronic money or points, and the type of the account does not matter. However, the payee may be, for example, the company operating the store itself.

The payee information includes, for example, payee account number and payee account holder name. The payee account number is the number of the payee account. The payee account holder name is the name of the payee account holder.

Alternatively, the payee information may be a store identifier. Note that the store identifier may be part of the payee information, in which case the payee information may include, for example, the payee account number, the payee account holder name, and the store identifier. However, the data structure of payee information does not matter.

Note that the store information may also have, for example, a store name, and its data structure does not matter. The store name is the name of the store. The store name may be, for example, the name of one store where the user is going to pay, or a general term for two or more stores including the one store. The former store name is, for example, "○○ department store head office", "○○ department store Osaka store", and the like. The latter store name is, for example, "○○ department store". However, the expression format of the store name does not matter. Note that the store name may be considered as a type of store identifier described above.

The generating/receiving unit 12 receives various kinds of information. Various types of information are, for example, requests from the store terminal 2 . The request from the store terminal 2 is normally a code generation request in this embodiment. Such a request may be simply referred to as a request below. The code and its generation will be described later.

The generating/receiving unit 12 receives a request, for example, from the store terminal 2 that has received the amount information. The received request has the price information and a shop identifier that identifies the shop terminal 2. The request has the shop identifier and price information. The store identifier in the request is the store identifier of the store where the payment is made. The amount information is information indicating the amount to be paid at the store. The amount information is, for example, "1000 yen", but the numerical value, currency unit, etc. do not matter.

The generation processing unit 13 performs various types of processing. Various processes are processes of the code generator 131 .

The code generation unit 131 generates a code in response to the generation/reception unit 12 receiving a request from the store terminal 2 . A code may be, for example, a code representing information. A code in the present embodiment is, for example, a pattern in which information is embedded. This type of code is, for example, a QR code, but may be a two-dimensional code other than the QR code, or may be a one-dimensional code such as a bar code. A two-dimensional code other than a QR code is, for example, an SP code, a CP code, or the like, but the type is not limited. However, the code may be, for example, an array of one or more characters, symbols, etc. representing information or associated with information, regardless of the type.

The code generation unit 131 acquires the payee information corresponding to the store identifier included in the received request from the store information storage unit 111 . Then, the code generation unit 131 generates a code in which the amount information included in the received request and the acquired payee information are embedded. It should be noted that code generation is a well-known technique, and a detailed description thereof will be omitted.

The generation/transmission unit 14 transmits various kinds of information. Various types of information are, for example, codes.

The code transmission unit 141 transmits the code generated by the code generation unit 131 in response to a request from the store terminal 2 to the store terminal 2 .

The store storage unit 21 that configures the store terminal 2 can store various types of information. Various types of information are, for example, the store identifier of the store to which the store terminal 2 belongs.

The shop reception section 22 receives various kinds of information. Various types of information are, for example, amount information. Acceptance means, for example, acceptance of information input through an input device such as a keyboard or touch panel, acceptance of information optically read through an optical reading means such as a camera or scanner, or a wired or wireless communication line. It is a concept that includes receiving information transmitted via and accepting information read from a recording medium such as a disk or semiconductor memory.

The store reception unit 22, for example, receives amount information input by a store clerk via an input device. This matter also applies to the user reception unit 32, which will be described later.

The store processing unit 23 performs various types of processing. Various types of processing include, for example, determining whether or not the store reception unit 22 has received information such as amount information.

Also, the store processing unit 23 forms a request, for example, when the store reception unit 22 receives amount information. The configured request is a request for code generation, as described above. The request has, for example, a store identifier and amount information.

For example, when the store reception unit 22 receives the amount information, the store processing unit 23 composes a request having the store identifier stored in the store storage unit 21 and the amount information.

The store transmission unit 24 transmits various kinds of information. Various types of information are requests, for example. The store transmission unit 24 transmits, for example, a request configured by the store processing unit 23 in response to receipt of the amount information to the code generation server 1 .

The store reception unit 25 receives various information. Various types of information are, for example, codes.

The code receiving section 251 receives a code from the code generation server 1 in response to a request transmitted by the store transmitting section 24, for example.

The store output unit 26 outputs various information. Various types of information are, for example, codes. Output is a concept that includes, for example, display on a display, printout on a printer, sound output from a speaker, transmission to an external device, storage on a recording medium, delivery to another program, and the like. This matter also applies to the user output unit 36, which will be described later.

The code output section 261 outputs the code received by the store reception section 25 via, for example, a display. As a result, the code is displayed on the display of the store terminal 2 . Alternatively, the code output unit 261 may output the code via a printer, thereby printing the code on paper.

The user storage unit 31 that configures the user terminal 3 can store various types of information. Various types of information are, for example, user information. User information is information about a user. User information is, for example, a user identifier. A user identifier is information that identifies a user. The user identifier is, for example, an e-mail address, mobile phone number, address/name, etc., but may be an ID, or any information that can identify the user.

Alternatively, the user information may be payment source information. The payment source information is information regarding the payment source of the price. The payment source is the user who pays for the product purchased at the store. The payment source is, for example, the user's credit card, but may also be the user's account. The payment source information is, for example, credit card information, but may also be the payment source account number and the name of the payment source account holder. The payment source account number is the number of the user's account, and the payment source account holder name is the name of the user's account holder. Alternatively, the payment source information may be, for example, a user identifier.

User information has, for example, a user identifier and payment source information. However, the payment source information may be stored, for example, in the payment storage unit 41 of the payment server 4, which will be described later, paired with the user identifier. In that case, the user information does not necessarily have the payment source information, and its data structure does not matter.

Note that the user storage unit 31 may also store, for example, a terminal identifier. A terminal identifier is information for identifying the user terminal 3 . The terminal identifier is, for example, a MAC address, IP address, ID, or the like, but any information that can identify the user terminal 3 may be used. Note that the terminal identifier may be considered as a user identifier.

The user reception unit 32 receives various kinds of information. Various types of information are, for example, codes.

The code reading unit 321 reads the code output from the shop terminal 2 with a camera.

The payment instruction receiving unit 322 receives payment instructions. A payment instruction is an instruction for payment. For example, after the payee second related information output unit 361 (to be described later) outputs the payee second information, the settlement instruction receiving unit 322 receives a settlement instruction via an input device such as a touch panel. The payee second information will be described later.

The settlement instruction receiving unit 322 normally receives a settlement instruction from the user. However, the settlement instruction receiving unit 322 may receive a settlement instruction from a store clerk, for example. When receiving a payment instruction from a store clerk, the payment instruction reception unit 322 may receive the payment instruction together with confirmation information. The confirmation information is information indicating that the clerk has confirmed the second payee information. The confirmation information may be a predetermined character string, salesclerk identification information, or the like. The clerk identification information is information that identifies a clerk. The store clerk identification information is, for example, an ID, or a set of store name and name, but any information that can identify the store clerk may be used. In this case, the payee's second information includes, for example, the name of the payee's account holder, the store name, the affiliated store number, and other information that can be confirmed by the salesclerk. By accepting the payment instruction together with the confirmation information in this way, a third party can confirm that the clerk has confirmed the second payee information at the time of accepting the payment instruction or the like, or later.

Alternatively, the settlement instruction receiving unit 322 may receive, for example, a settlement instruction from a user and confirmation information from a store clerk. Specifically, for example, in one terminal device 3, after the payment destination second related information output unit 361 outputs the payment destination second information, the payment instruction reception unit 322 receives the payment instruction from the user and confirms from the clerk. Information may also be received. It should be noted that the second payee information in this case includes, for example, information that can be confirmed by both the user and the store clerk, such as the store name.

Alternatively, for example, the number of terminal devices 3 constituting the information system is two or more, one of which (hereinafter referred to as the first terminal device 3) is the user's terminal, and the other one (hereinafter referred to as the second terminal Device 3) is a terminal of a store clerk, and in the first terminal device 3, after the payee second related information output unit 361 outputs the payee second information, the payment instruction reception unit 322 receives the payment instruction from the user. In addition to receiving the information, in the second terminal device 3, after the payee second related information output unit 361 outputs the payee second information, the payment instruction accepting unit 322 may accept the confirmation information from the store clerk.

Here, the payee second information output by the first terminal device 3 and the payee second information output by the second terminal device 3 are usually the same information, but may be different information. . In the former case, the second payee information includes information that can be confirmed by both the user and the store clerk, such as the store name. In the latter case, the payee second information output by the first terminal device 3 includes information that can be confirmed by the user, such as the store name, and the payee second information output by the second terminal device 3 The information includes, for example, information that can be confirmed by a store clerk, such as a member store number. The second payment destination information such as the member store number for the store clerk may be output by the store output unit 26 of the store terminal 2, and the confirmation information from the store clerk may be received by the store reception unit 22, for example. In this way, both the user and the store clerk confirm the second payee information, so that code replacement can be prevented more effectively.

The user processing unit 33 performs various types of processing. Various processes are, for example, processes of the payment information extraction unit 331 and the determination unit 332 .

In addition, the user processing unit 33 also performs processing for forming first payee information, which will be described later, using the payee information included in the settlement information extracted by the settlement information extraction unit 331, for example.

In addition, the user processing unit 33, for example, uses one or more of the payee second information received by the payee second information receiving unit 351 described later or the judgment result acquired by the judgment unit 332 to obtain the payee second information. It also performs processing to configure related information.

Furthermore, the user processing unit 33 also performs various determinations described in flowcharts, for example.

The payment information extraction unit 331 extracts payment information from the code read by the code reading unit 321 . Payment information is information related to payment. The payment information includes, for example, amount information, payee information, payment source information, store identifier, etc., but any information related to payment may be used.

The settlement information in the present embodiment includes, for example, amount information and payee information. The payment information may also include, for example, a store identifier. Further, the payment information may also include, for example, payment source information. However, in order for the payment information to include the payment source information, for example, one or more pieces of payment source information are stored in the generation storage unit 11 that constitutes the code generation server 1, and the code generation unit 131 In addition to destination information, etc., it is necessary to generate a code in which payment source information is also embedded.

Alternatively, the payment information may consist of, for example, only a shop identifier, and its data structure is not a problem.

Also, the payment information extraction unit 331 accumulates the payment information extracted as described above in the user storage unit 31, for example.

The determination unit 332 determines whether or not the payee second information received by the payee second information reception unit 351 described later matches the second part of the payment information extracted by the payment information extraction unit 331, Get results.

The payee second information is the second part other than the first part of the payee information. The first part is part of the payee information. The second part is a part other than the first part of the payee information. The part other than the first part is, for example, the rest of the payee information after removing the first part, but it may be the rest after removing the first part.

It should be noted that the second part is preferably information that can be recognized by the user. The information that the user can recognize is, for example, information expressed in a natural language, and it can be said that the user can understand the meaning of the information. This type of information is, for example, names such as store names and company names. The name may be called a proper noun. In contrast, the first portion may be information that is not perceptible to the user. The information that the user cannot recognize is, for example, information different from natural language, and may be said to be a mere array of characters and symbols. This type of information is, for example, an account number, store identifier, and the like.

Specifically, for example, if the payee information has a payee account number and a payee account holder name, the first part is the payee account number and the second part is the payee account holder name. may

However, the second part may also be information that the user of the user terminal 3 cannot recognize. For example, if the payee information includes a payee account number, a payee account holder name, and a store identifier, the first part may be the payee account number and the second part may be the store identifier.

The result of determination is the result of determination as to whether or not the second payee information received from the settlement server 4 matches the second part of the settlement information embedded in the code output from the store terminal 2. be. The determination result is, for example, a flag indicating "match" or "mismatch". The flag may be, for example, "0" corresponding to "match" or "1" corresponding to "mismatch", and the expression format is not limited.

However, the determination unit 332 is not essential. In other words, the user processing section 33 does not need to have the determination section 332 if information that can be recognized by the user, such as the store name, is used as the second part.

The user transmission unit 34 transmits various kinds of information. Various types of information are, for example, payment information or part thereof.

The payment information transmission unit 341 transmits to the payment server 4 at least part of the payment information extracted by the payment information extraction unit 331 described later. At least part of the extracted payment information is, for example, the remainder of the payee information excluding the first part, but may be all of the extracted payment information.

The payment information transmission unit 341 normally transmits at least part of the extracted payment information together with the user information stored in the user storage unit 31 to the payment server 4 . However, only payment information may be transmitted, and user information may not be transmitted. Also, the transmitted payment information may not be the same as the extracted payment information.

Also, although the transmitted user information usually includes a user identifier and payment source information, it may include only either the user identifier or the payment source information.

Further, user information need not be sent at the same time as payment information. For example, the payment information transmission unit 341 may transmit the payment information when the payment information is extracted, and then transmit the user information when the payment instruction is received.

For example, the payment information transmission unit 341 transmits payment information and the like to the payment server 4 only when the payment instruction reception unit 322 has received the payment instruction, and when the payment instruction reception unit 322 has not received the payment instruction, It is preferable that the payment information transmission unit 341 does not transmit payment information or the like to the payment server 4 .

Alternatively, for example, in response to the payment information extraction unit 331 extracting payment information, the payment information transmission unit 341 transmits the payment information and the like to the payment server 4, and then the payment instruction reception unit 322 issues the payment instruction. The payment instruction may be transmitted to the payment server 4 in response to the acceptance. In this case, for example, the payment server 4 does not perform payment when receiving payment information and the like, and performs payment when receiving a payment instruction.

The payee first information transmission unit 342 transmits the payee first information to the settlement server 4 . The payee first information is at least part of the payee information described above, and is usually the first part of the payee information. However, the payee first information may be all payee information.

Note that the payee first information transmitting section 342 may transmit the code read by the code reading section 321 to the server device 4 as it is. In this case, the server device 4 analyzes the code and acquires the payee first information. In other words, as long as the server device 4 obtains the first payee information as a result, it does not matter whether the code analysis is performed on the terminal side or the server side.

For example, if the payee information includes the payee account number and payee account holder name, the payee primary information is the payee account number. Alternatively, for example, if the payee information is a store identifier, the payee first information may be a store identifier. Or, for example, if the payee information includes a payee account number, a payee account holder name, and a store identifier, the payee primary information may include one or more of the payee account number or store identifier. .

The user reception unit 35 receives various information. Various types of information are, for example, the aforementioned payee second information.

The payee second information receiving unit 351 receives the payee second information associated with the payee first information transmitted by the payee first information transmitting unit 342 from the settlement server 4 described later.

For example, when the payee information includes the payee account number "aaa" and the payee account holder name "○○ electrical equipment", and the payee first information transmitting unit 342 transmits the payee account number "aaa" , the payee second information receiving unit 351 receives from the settlement server 4 the name of the payee account holder named “○○ appliance” corresponding to the payee account number.

Alternatively, for example, if the payee information is a store identifier “yyy” and the payee first information transmitting unit 342 transmits the store identifier “yyy”, the payee second information receiving unit 351 receives the A store name “○○ department store” corresponding to the store identifier may be received.

Alternatively, for example, the payee information includes the payee account number “bbb”, the payee account holder name “○○ Holdings”, and the store identifier “yyy1”, and the payee first information transmission unit 342 sends the payee When the first payee information including the account number “bbb” and the store identifier “yyy1” is transmitted, the payee second information receiving unit 351 receives the payee account corresponding to the payee account number from the settlement server 4. The second payee information including one or more of the name of the holder "XX Holdings" or the store name "XX department store head office" corresponding to the store identifier may be received.

For example, if the payee account holder is a holding company such as "XX Holdings", the user may not know the payee account holder name "XX Holdings". If the payee account holder name received is unknown, it is highly likely that the user will not recognize that the code has been replaced.

On the other hand, the store name "XX department store head office" is the name of the store to which the user is about to make a payment, and is usually known to the user. Therefore, it is preferable for the payee second information receiving unit 351 to receive the payee second information including the store name in addition to or instead of the name of the payee account holder. This increases the possibility that the user will be able to recognize that the code has been replaced.

However, the second payee information is information that allows the user to confirm that the payee in settlement based on the output code is the original payee, or information that allows the user to confirm the possibility that the payee is an unauthorized payee. Any recognizable information may be used, and its data structure and expression format are not limited. The original payment destination is, for example, the operating company or owner of the store where the user shopped, or the holding company of the operating company. It doesn't matter what kind it is.

In addition, when the payment destination second information associated with the payment destination first information transmitted by the payment destination first information transmission unit 342 does not exist in the management server 4, the payment destination second information reception unit 351 , for example, may receive error information. Error information is information about the occurrence of an error. The error information may be, for example, information simply indicating the occurrence of an error, information notifying that there is no payee second information associated with the sent payee first information, or information indicating that the code has been replaced. Information that warns that there is a possibility that the

The user output unit 36 outputs various information. The various types of information are, for example, payee second related information described later.

The payee second related information output unit 361 outputs the payee second related information. The payee second related information is information related to the payee second information. The payee second related information is, for example, the payee second information received by the payee second information receiving unit 351 . The payee's second information to be output may be all or part of the received payee's second information.

For example, if the received payee second information includes the payee account holder name “○○ Holdings” and the store name “○○ department store head office”, the payee second related information output unit 361 outputs the payee As second-related information, "XX Holdings, XX Department Store Head Office" may be output, "XX Department Store Head Office" may be output, or "XX Holdings" may be output.

However, when the second payee information including the name of the payee account holder and the store name is received, the payee second related information output unit 361 outputs the payee second information including at least the store name for the reason described above. Output is preferred.

Alternatively, the payee second related information may be, for example, a determination result as to whether or not the payee second information matches the second part. That is, the payee second related information output unit 361 may output the determination result acquired by the determination unit 332, for example.

Alternatively, the payee second related information may include, for example, one or more of payee second information or determination results. That is, the payee second related information output unit 361 may output, for example, the payee second information received by the payee second information receiving unit 351 and the determination result acquired by the determination unit 332 .

Note that the payee second related information may include, for example, information that is not included in the payee information. The information that is not included in the payee information is, for example, information on the location of the store (hereinafter referred to as location-related information). Location-related information is, for example, a place name. The place name is the name of the location of the store. The place name is, for example, a prefecture name such as "Osaka Prefecture" or a municipality name such as "Chuo Ward, Osaka City", but may also be a local name such as "Kinki" or "Kanto". does not matter. Alternatively, the location-related information may be information that can identify the area including the location of the store, such as an area code of a telephone number, a postal code, or the like.

The second payee related information, like the second payee information described above, is information that allows the user to confirm that the payee in settlement based on the output code is the original payee, or Any information may be used as long as it allows the user to recognize the possibility of being a payee, and its data structure and expression format do not matter.

The payee second related information output unit 361 outputs the payee second information received by the payee second information receiving unit 351, for example. That is, the payee second related information output unit 361 may output the payee second related information including, for example, one or more of the name of the payee account holder and the store name. Alternatively, the payee second related information output unit 361 may, for example, instead of or in addition to one or more information of the payee account holder name or store name, payee second related information including location related information information may be output.

Note that the output payee second information may not be the same as the received payee second information. For example, when the second payee information including the name of the payee account holder and the store name is received, the payee second related information output unit 361 outputs only the store name and the name of the payee account holder. You don't have to.

Alternatively, the payee second related information output unit 361 may output the determination result acquired by the determination unit 332 . Note that the output determination result may not be the same as the acquired determination result. For example, when the flag "0" or "1" is obtained, the payee second related information output unit 361 outputs the character string "match" corresponding to the flag "0" or the character string corresponding to the flag "1". The column "not matched" may be output. Alternatively, the payee second related information output unit 361 outputs a character string such as “mismatch”, a sound such as a warning sound, or a specific color such as red only when a determination result indicating “mismatch” is acquired, for example. It is possible to output one or more of the lights that have or blink, and output nothing if a judgment result indicating "mismatch" is obtained.

Alternatively, the payee second related information output unit 361 may output the second payee related information including one or more of the received payee second information or the acquired determination result.

The user output unit 36 normally displays the above payee second related information on the display, but may print it out with a printer or pass it to another program. Any form is acceptable.

Specifically, for example, screen configuration information is stored in the user storage unit 31 . Screen configuration information is information for configuring a screen. Screen configuration information includes, for example, one or more objects, layout information, and the like. An object is an element that configures a screen. An object is, for example, an image. An image is, for example, an image of a button. The button is, for example, a button for inputting a settlement instruction, but the type of input instruction does not matter.

Alternatively, the object can be a string. A string is an array of one or more characters. The characters are, for example, numbers, alphabets, kana, kanji, etc., but may also be considered to include symbols and spaces.

The character string is, for example, a character string of a template into which the payee second related information is inserted, a character string associated with a button, or the like. The former character string is, for example, "The payee for this payment is '...'. Please press 'Payment' if you are okay with it." The latter character string is, for example, "settlement" or "OK", but the expression format is not limited.

Layout information is information indicating the arrangement of one or more objects within the screen. The layout information is, for example, a set of position information (for example, coordinates) indicating the positions of one or more objects within the screen, but the data structure of the layout information does not matter.

The user output unit 36 uses the screen configuration information as described above and the received second payee second related information “○○ department store” to generate, for example, a character string “Payee for this payment is “○ ○Department store.If you like, please press ``Settlement''.'' and a button associated with the character string ``Settlement'' may be configured and displayed on the display.

The payment storage unit 41 that constitutes the payment server 4 can store various types of information. The various types of information are, for example, payee correspondence information, which will be described later.

The payee correspondence information storage unit 411 stores payee correspondence information. The payee correspondence information is a set of pairs of payee first information and payee second information. In addition, below, the information comprised by the pair of payee 1st information and payee 2nd information may be described as pair information. The pair information will be described in a specific example with reference to FIG.

The payee first information is, for example, the payee's account number as described above, but it may also be a store identifier, or may have a payee's account number and a store identifier. The payee second information is, for example, the name of the payee's account holder, as described above, but it may also be the name of the store, or it may include the name of the payee's account holder and the store name.

For example, if the payee account number of a given payee is "aaa" and the payee account holder's name is "○○ Denki", the payee corresponding information consists of the payee first information "aaa" and the payee second information It includes a pair with “○○ appliance” (hereinafter sometimes referred to as pair information 1: see FIG. 7). Also, if another payee has a payee account number of "bbb", a store identifier of "yyy1", a payee account holder name of "○○ Holdings", and a store name of "○○ department store head office", the payee The correspondence information includes a pair (pair information 2) of the first payee information "bbb, yyy1" and the second payee information "XX Holdings, XX department store head office".

One or more pairs of information constituting the payee correspondence information may be associated with information not included in the payee information, such as the location-related information described above.

Also, the payee correspondence information may be stored in the payee correspondence information storage unit 411 as a set of pairs of code and payee second information, for example. If the code is a dynamically changing code, the pair of code and payee second information may be stored, for example, together with date and time information. The date and time information is information indicating date and time. The date and time are usually date and time, but may be date only, for example.

The payment storage unit 41 may also store, for example, one or more pieces of payment source information for each user, paired with the user identifier. However, if the user information transmitted together with the payment information from the user terminal 3 includes payment source information, the payment source information and the like may not necessarily be stored in the payment storage unit 41 .

The payment receiving unit 42 receives various information. The various information is, for example, payee first information.

The payee first information receiving unit 421 receives the payee first information from the user terminal 3 .

The payment receiving unit 42 also receives payment information from the user terminal 3 . The payment receiving unit 42 normally receives payment information together with user information from the user terminal 3 . However, only payment information may be received.

Specifically, after the payee first information receiving unit 421 received the payee first information from the user terminal 3, the payee second information sending unit 441 (to be described later) sent the payee second information to the user terminal 3. In response, the payment receiving unit 42 receives the payment information together with the user information from the user terminal 3 .

The settlement processing unit 43 performs various types of processing. Various processes are, for example, processes of the payee second information acquisition unit 431 .

The payee second information acquisition unit 431 acquires the payee second information associated with the payee first information received by the payee first information reception unit 421 from the payee correspondence information storage unit 411 .

For example, when the payee first information "aaa" is received, the payee second information acquisition unit 431 uses the payee correspondence information in the payee correspondence information storage unit 411 to obtain the payee first information "aaa". acquires the second correspondence information "○○ electric appliance" paired with . Similarly, for example, when the payee first information “bbb, yyy1” is received, the payee second information acquisition unit 431 uses the payee correspondence information in the payee correspondence information storage unit 411 to obtain the payee first information. Acquire the second corresponding information "○○ Holdings, ○○ Department Store head office" paired with the piece of information "bbb, yyy1".

When the information system includes the above-described first terminal device 3 and the above-described second terminal device 3, the payee second information acquisition unit 431 obtains the payee second information for the first terminal device 3. information and payee second information for the second terminal device 3 may be obtained. The payee second information for the first terminal device 3 includes, for example, information that can be confirmed by the user, such as store name. The second payee information for the second terminal device 3 includes information that can be confirmed by a store clerk, such as a member store number.

For example, the settlement storage unit 41 stores error information as described above, and the payee second information acquisition unit 431 corresponds to the payee first information received by the payee first information reception unit 421. It is determined whether or not the attached payee second information is stored in the payee correspondence information storage unit 411, and if it is determined that it is stored, the payee second information is stored in the payee correspondence information storage unit 411. 411 and if it is determined that the information is not stored, the error information may be acquired from the payment storage unit 41 .

Note that the payee second information acquisition unit 431 also acquires information such as the location-related information associated with the paired information including the payee first information received by the payee first information reception unit 421, for example. good too.

The payment processing unit 43 also performs payment processing using payment information and the like received by the payment receiving unit 42 . Payment processing is processing related to payment. Settlement processing is, for example, depositing money into a payee's account using a credit card.

For example, the payment information includes amount information and payment destination information, the user information includes payment source information, the payment source information is the user's credit card information, and the payment destination information is payment destination information. If the account number and the name of the payee account holder name are included, the payment processing unit 43 converts the amount indicated by the amount information to the credit card indicated by the credit card information, the account of the number indicated by the payee account number, and the payment. Deposit to the account of the name of the holder indicated by the name of the holder of the previous account.

Alternatively, if the payment source information includes the payment source account number and the name of the payment source account holder, the payment processing unit 43 transfers the amount indicated by the amount information to the account number indicated by the payment source account number, From the account of the name of the holder indicated by the name of the holder of the original account, the money may be deposited into the account of the name of the holder indicated by the name of the holder of the account of the recipient, which is the account of the number indicated by the account number of the payee.

The payment processing is not limited to the credit card payment or account transfer processing as described above, and may be, for example, payment processing using electronic money or points, regardless of the type.

The settlement transmission unit 44 transmits various kinds of information. The various information is, for example, payee second information.

The payment destination second information transmission unit 441 receives the payment destination second information acquired by the payment destination second information acquisition unit 431 in response to the payment destination first information reception unit 421 receiving the payment destination first information from the user terminal 3. Information is sent to the user terminal 3 concerned.

For example, when the payee first information “aaa” is received from the user terminal 3, the payee second information transmitting unit 441 receives the second correspondence information “○○ appliance” acquired by the payee second information acquiring unit 431. to the user terminal 3. Similarly, for example, when the payee first information “bbb, yyy1” is received from the user terminal 3, the payee second information transmitting unit 441 receives the second correspondence information acquired by the payee second information acquiring unit 431. “XX Holdings, XX Department Store Main Store” is transmitted to the user terminal 3 .

When the information system includes the first terminal device 3 and the second terminal device 3, the payment destination second information transmission unit 441 receives the payment destination second information acquisition unit 431 for the first terminal device 3. The second payment destination information acquired by the payment destination second information acquisition unit 431 for the second terminal device 3 is sent to the second terminal device 3 You may send.

Note that the payee second information associated with the received payee first information is not stored in the payee correspondence information storage unit 411, and the payee second information acquisition unit 431 receives error information from the payment storage unit 41. is acquired, the payment transmission unit 44 may transmit the acquired error information to the user terminal 3 .

Note that the payee second information transmitting unit 441 may also transmit information such as the location related information acquired by the payee second information acquiring unit 431 .

The generation storage unit 11, the store information storage unit 111, the store storage unit 21, the user storage unit 31, the payment storage unit 41, and the payee correspondence information storage unit 411 are preferably non-volatile recording media such as hard disks and flash memories. However, it can also be realized with a volatile recording medium such as RAM.

The process by which information is stored in the generation/storage unit 11 or the like does not matter. For example, information may be stored in the generation/storage unit 11 or the like via a recording medium, or information transmitted via a network, a communication line, or the like may be stored in the generation/storage unit 11 or the like. Alternatively, information input via an input device may be stored in the generation/storage unit 11 or the like. Any input device such as a keyboard, mouse, touch panel, or the like may be used.

The generating/receiving unit 12, store receiving unit 25, code receiving unit 251, user receiving unit 35, payee second information receiving unit 351, settlement receiving unit 42, and payee first information receiving unit 421 are normally wired or wireless. It is realized by communication means (for example, a communication module such as a NIC (Network interface controller) or a modem), but it may be realized by a means for receiving broadcasting (for example, a broadcast reception module).

The generation processing unit 13, the code generation unit 131, the store processing unit 23, the user processing unit 33, the payment information extraction unit 331, the determination unit 332, the payment processing unit 43, and the payee second information acquisition unit 431 are usually It can be implemented by an MPU, memory, or the like. The processing procedure of the generation processing unit 13 and the like is normally realized by software, and the software is recorded in a recording medium such as a ROM. However, the processing procedure may be realized by hardware (dedicated circuit).

Generation transmission unit 14, code transmission unit 141, store transmission unit 24, user transmission unit 34, payment information transmission unit 341, payment recipient first information transmission unit 342, payment transmission unit 44, and payment recipient second information transmission unit 441 , is usually implemented by wired or wireless communication means, but may be implemented by broadcasting means (eg, a broadcasting module).

Store reception section 22, user reception section 32, code reading section 321, and settlement instruction reception section 322 may or may not include input devices. The store reception section 22 and the like can be realized by the driver software of the input device, or by the input device and its driver software.

The store output unit 26, the code output unit 261, the user output unit 36, and the payee second related information output unit 361 may or may not include output devices such as displays and speakers. The store output unit 26 and the like can be realized by the driver software of the output device, or by the output device and its driver software.

Next, the operation of the information system will be explained using the flow charts of FIGS. 4 and 5. FIG. FIG. 4 is a flowchart for explaining the operation of the user terminal 3. As shown in FIG.

(Step S401) The user processing section 33 determines whether or not the code reading section 321 has read the code. If it is determined that the code reading unit 321 has read the code, the process proceeds to step S402, and if it is determined that the code has not been read, the process proceeds to step S406.

(Step S402) The payment information extraction unit 331 extracts payment information from the code read in step S401.

(Step S403) The payment information extraction unit 331 accumulates the payment information extracted in step S402 in the user storage unit 31. FIG.

(Step S404) The user processing unit 33 configures first payee information using the payee information included in the settlement information extracted in step S403.

(Step S405) The payee first information transmitting unit 342 transmits the payee first information configured in step S404 to the settlement server 4. FIG.
After that, the process returns to step S401.

(Step S<b>406 ) The user processing unit 33 determines whether or not the payee second information receiving unit 351 has received the payee second information from the settlement server 4 . If it is determined that the payee second information receiving unit 351 has received the payee second information from the settlement server 4, the process proceeds to step S407, and if it is determined that the payee second information is not received, the process proceeds to step S409.

(Step S407) The user processing unit 33 configures the payee second related information using the payee second information received in step S406.

(Step S408) The payee second related information output unit 361 outputs the payee second related information configured in step S407. After that, the process returns to step S401.

(Step S409) The user processing unit 33 determines whether or not the payment instruction receiving unit 322 has received a payment instruction. If it is determined that the payment instruction receiving unit 322 has received the payment instruction, the process proceeds to step S410, and if it is determined that the payment instruction has not been received, the process returns to step S401.

(Step S<b>410 ) The payment information transmission unit 341 acquires the payment information extracted in step S<b>402 together with the user information from the user storage unit 31 and transmits the information to the payment server 4 . After that, the process returns to step S401.

In the flowchart of FIG. 4, step S406a below may be added between steps S406 and S407, and step S407 may be replaced with step S407a below.

(Step S406a) The judgment unit 332 judges whether or not the payee second information received in step S406 matches the second part of the payment information extracted in step S402, and acquires the judgment result.

(Step S407a) The user processing unit 33 configures the payee second related information using one or more of the payee second information received in step S406 or the judgment result acquired in step S406a.

In the flowchart of FIG. 4, the process starts when the user terminal 3 is powered on or when the program is started, and ends when the power is turned off or an interrupt to end the process. However, the trigger for starting or ending processing does not matter.

FIG. 5 is a flow chart for explaining the operation of the settlement server 4. As shown in FIG.

(Step S501) The settlement processing unit 43 determines whether or not the payee first information receiving unit 421 has received the payee first information. If it is determined that the payee first information receiving section 421 has received the payee first information, the process proceeds to step S502, and if it is determined that the payee first information has not been received, the process proceeds to step S504.

(Step S502) The payee second information acquisition unit 431 uses the payee correspondence information stored in the payee correspondence information storage unit 411 to obtain the payment information associated with the payee first information received in step S501. Get first second information.

(Step S<b>503 ) The payee second information transmitting unit 441 transmits the payee second information acquired in step S<b>502 to the user terminal 3 .
After that, the process returns to step S501.

(Step S504) The payment processing unit 43 determines whether or not the payment receiving unit 42 has received the payment information together with the user information from the user terminal 3. If it is determined that the payment reception unit 42 has received the payment information together with the user information from the user terminal 3, the process proceeds to step S505, and if it is determined that the payment information has not been received, the process returns to step S501.

(Step S505) The payment processing unit 43 performs payment processing using the payment information and the like received in step S504. After that, the process returns to step S501.

In the flowchart of FIG. 5, the process starts when the power of the settlement server 4 is turned on or when the program is started, and ends when the power is turned off or an interruption to end the process occurs. However, the trigger for starting or ending processing does not matter.

4 and 5 are processes performed between one user terminal 3 of one or more user terminals 3 constituting the information system and the settlement server 4. FIG. In the information system, the processing as described above is performed between each of one or more user terminals 3 and the payment server 4 . In other words, it can be said that the settlement server 4 executes the processing of the flowchart of FIG. 5 for each of one or more user identifiers corresponding to one or more user terminals 3 .

A specific operation of the information system according to this embodiment will be described below. Various modifications are possible in the following description, and the scope of the present invention is not limited in any way.

The information system in this example includes a code generation server 1 , two or more shop terminals 2 , two or more user terminals 3 , and a payment server 4 . The code generation server 1 is a server of a company that manages information systems, and generates codes. The generated code is, for example, a QR code. The settlement server 4 is a server of a credit card company, and performs settlement by credit card.

One store terminal 2 out of the two or more store terminals 2 (hereinafter sometimes referred to as store terminal 2X) is a cash register terminal installed at the cash register of "○○ Electric Appliances". "○○ Electric Appliance" is a member store of the information system, and is given a store identifier "xxx". When the payment is made by QR code at "○○ appliance", the payee's account number is "aaa" and the name of the payee is "○○ appliance".

Among the two or more store terminals 2, the other store terminal 2 (hereinafter referred to as store terminal 2Y) is a tablet terminal carried by a salesclerk of "○○ department store Osaka". "○○ Department Store Osaka" is a store belonging to the holding company "○○ Holdings". It should be noted that, for example, other stores such as "XX Department Store Main Store" also belong to "XX Holdings".

"○○ Department Store Osaka" is a member store of the information system, and is given a store identifier "yyy2". It should be noted that "○○ department store head office" is also a member store, and is given a store identifier "yyy1". In the case of payment by QR code at "○○ Department Store Osaka Store" under the umbrella of "○○ Holdings", the payee is "○○ Holdings", the account number of the payee is "bbb", and the name of the payee The person's name is "○○ Holdings".

One of the two or more user terminals 3 (hereinafter referred to as user terminal 3A) is user A's smart phone. Among the two or more user terminals 3, another user terminal 3 (hereinafter referred to as user terminal 3B) is user B's mobile phone.

The shop information storage unit 111 of the code generation server 1 stores, for example, two or more pieces of shop information as shown in FIG. FIG. 6 is a data structure diagram of store information. Store information has a store identifier and payee information. The payee information includes payee account number and payee account holder name.

An ID (for example, "1", "2", etc.) is associated with each store information of two or more stores. For example, store information associated with ID "1" (hereinafter sometimes referred to as store information 1) has a store identifier "xxx" and payee information "aaa, ○○ appliance". Similarly, store information (store information 2) associated with ID "2" has a store identifier "yyy1" and payee information "bbb, OO Holdings". Also, the store information 3 has a store identifier "yyy2" and payee information "bbb, OO Holdings".

The store storage unit 21 of the store terminal 2X stores the store identifier "xxx", and the store storage unit 21 of the store terminal 2Y stores the store identifier "yyy2".

User information of the user A is stored in the store storage unit 21 of the user terminal 3A. This user information includes the user identifier "A". This user information may also include user A's credit card information.

User information of the user B is stored in the store storage unit 21 of the user terminal 3B. This user information includes the user identifier "B". This user information may also include user B's credit card information.

The payment storage unit 41 of the payment server 4 stores, for example, payee correspondence information as shown in FIG. FIG. 7 is a data structure diagram of payee correspondence information. The payee correspondence information is composed of one or more pieces of paired information. Paired information is information composed of a pair of payee first information and payee second information. The payee first information has a payee account number and a store identifier. The payee second information has a payee account holder name and store name.

Each pair of information of one or more is associated with an ID (for example, "1", "2", etc.). For example, the paired information associated with ID "1" (hereinafter sometimes referred to as paired information 1) consists of payee first information "aaa, xxx" and payee second information "○○ electric appliance, Null". consists of a pair of Note that "Null" is a flag indicating lack of the information. However, the payee second information that constitutes the pair information 1 may be "○○ electric appliance, ○○ electric appliance".

Similarly, the paired information (paired information 2) associated with ID "2" is a pair of payee first information "bbb, yyy1" and payee second information "○○ Holdings, ○○ department store head office". Configured. Also, the pair information 3 is composed of a pair of the payee first information "bbb, yyy2" and the payee second information "○○ Holdings, ○○ Department Store Osaka".

The payment storage unit 41 also stores user A's credit card information paired with the user identifier "A". Further, in the payment storage unit 41, user B's credit card information is stored in a pair with the user identifier "B".

Assume that user A selects a product priced at 1,000 yen at the store "○○ Electric Appliances" and brings it to the cash register. The store clerk inputs the amount information "1000 yen" to the store terminal 2X. In the store terminal 2X, the store reception unit 22 receives the input amount information "1000 yen", and the store processing unit 23 composes a request having the store identifier "X" and the amount information "1000 yen". The store transmission unit 24 transmits the configured request to the code generation server 1 .

In the code generation server 1, the generation reception unit 12 receives the request, and the code generation unit 131 uses the store information 1 stored in the store information storage unit 111 to generate the received request. Acquire the payee information "aaa, 00 appliances" corresponding to the store identifier "xxx". Then, the code generation unit 131 generates a code in which payment information having the amount information “1000 yen” included in the received request, the acquired payment destination information “aaa, ○○ appliance”, and the store identifier “xxx” is embedded. Generate. The code transmission unit 141 transmits the code thus generated to the store terminal 2X.

In the store terminal 2X, the code receiving section 251 receives the code, and the code output section 261 displays the received code on the display. User A photographs the code displayed on the display of store terminal 2X with the camera of user terminal 3A.

In the user terminal 3A, the code reading section 321 reads the code from the captured image. The payment information extraction unit 331 extracts the payment information from the read code and stores the extracted payment information in the user storage unit 31 . The user processing unit 33 configures first payee information "aaa, xxx" using the payee information "aaa, 00 appliances" included in the extracted payment information. The payee first information transmitting unit 342 transmits the composed payee first information “aaa, xxx” to the settlement server 4 .

In the settlement server 4, the payee first information receiving unit 421 receives the payee first information "aaa, xxx", and the payee second information acquiring unit 431 stores the payee correspondence information storage unit 411. Using the pair information 1, the second payee information “○○ electric appliance, Null” associated with the received first payee information “aaa, xxx” is acquired. The payee second information transmitting unit 441 transmits the acquired payee second information “○○ appliance, Null” to the user terminal 3A.

In the user terminal 3A, the payee second information receiving unit 351 receives the payee second information “○○ electric appliance, Null”, and the user processing unit 33 receives the payee second information “○○ electric appliance, Null”. The payee second related information “○○ electric appliance” is configured using “○○ electric appliance” possessed by “Null”. The payee second related information output unit 361 outputs the payee second related information using the screen configuration information stored in the user storage unit 31 and the configured payee second related information “○○ appliance”. A screen including "○○ electric appliances" is constructed and displayed on the display. As a result, for example, a screen as shown in FIG. 8 is displayed on the display of the user terminal 3A.

FIG. 8 is a diagram showing an example of a screen containing payee second related information. This screen displays the first character string "I will make a payment with the read QR code..." and the second character string "The payment destination for this payment is '○○ department store'. ”, and the image of the button associated with the third character string “Payment”.

The store where user A is shopping is "○○ electric appliance", and the payment destination second related information on the screen is also "○○ electric appliance". Confirm that the payee is legitimate and press the button.

In response to the pressing of the button, the payment instruction reception unit 322 receives the payment instruction, and the payment information transmission unit 341 transmits the extracted payment information “1000 yen, (aaa, 〇〇 appliance), xxx” to the user information “A ” to the settlement server 4.

In the payment server 4, the payment receiving unit 42 receives the user information “A” and the payment information “1000 yen, (aaa, OO appliances), xxx”, and the payment processing unit 43 receives the received payment information and the user Payment processing is performed using A's credit card information. As a result, 1,000 yen, which is the price of the product, is deposited into the account of "○○ Appliances" via User A's credit card.

If the name of the payee second related information on the screen is different from "○○ electric appliance", the user recognizes that there is a high possibility that payment is being made to an unauthorized payee. and do not press the button. This avoids making payments to unauthorized payees.

The operation of the information system when the user B makes a purchase of 10,000 yen at the store "○○ Department Store Osaka" is basically the same as described above. However, in the case of payment by QR code at "○○ Department Store Osaka", the payment destination is the holding company "○○ Holdings". Therefore, the second payment destination information received from the settlement server 4 by the second payment destination information receiving section 351 constituting the user terminal 3B is "XX Holdings, XX Department Store Osaka". The user processing unit 33 uses the store name "○○ department store Osaka" included in the payment destination second information to configure the payment destination second related information "○○ department store Osaka". Alternatively, even if the payee's second related information "○○ Holdings, ○○ Department Store Osaka" is configured using both the payee's account holder name "○○ Holdings" and the store name "○○ Department Store Osaka" good.

Then, on the display of the user terminal 3B, the payee second related information including the store name "○○ department store Osaka" is displayed. Since the store where user B is shopping is "○○ Department Store Osaka" and the payment destination second related information on the screen is also "○○ Department Store Osaka", the payment destination is the legitimate payment destination. It can be confirmed that

In addition, when the payee second related information including the name of the payee account holder name "○○ Holdings" is displayed on the display of the user terminal 3B, the user B does not know "○○ Holdings" and the payee is legitimate. It may not be possible to determine whether the recipient is a payee.

User B, who has confirmed that the payee for the payment to be executed is a valid payee, can complete the payment by pressing a button.

(Modification 1)
The information system of this example does not include the code generation server 1 and the one or more store terminals 2 in the above information system (see FIG. 1), and the code reading unit 321 that constitutes the terminal device 3 is a paper or panel Read the pre-printed code on the surface such as Other elements may perform operations similar to those described above.

(Modification 2)
The information system of this example does not include the code generation server 1 in the information system described above, and pre-generated codes are stored in the store storage unit 21 constituting the store terminal 2 . The store reception unit 25 does not include the code reception unit 251 , and the code output unit 261 outputs the code stored in the store storage unit 21 . Other elements may perform operations similar to those described above.

(Modification 3)
The information system of this example may have the same configuration as the information system described above, but the server device 4 is a management server. The payment server 4, the payment storage unit 41, the payment reception unit 42, the payment processing unit 43, and the payment transmission unit 44 shown in FIG. and management transmission unit 44. The management reception unit 42 performs operations other than the reception of payment information among the operations of the payment reception unit 42 described above. The management processing unit 43 performs operations other than the settlement processing among the operations of the settlement processing unit 43 described above. A payment information transmission unit 341 that constitutes the terminal device 3 transmits payment information to another device (for example, a server of a financial institution, etc.). The other device receives payment information from the terminal device 3 and performs payment processing. Other elements may perform operations similar to those described above.

(Modification 4)
The information system of this example includes one or more customer terminals in place of the one or more store terminals 2 in the above information system. A customer terminal is a terminal of a customer, and is usually a portable terminal carried by the customer. The customer terminal may have the same configuration as the store terminal 2 (see FIG. 3). However, in the configuration of FIG. 3, the "store" in the "store terminal 2" and the "store" in each element such as the "store storage unit 21" that constitutes the store terminal 2 can be read as "customer". That is, the store terminal 2 is the customer terminal 2, and the store storage unit 21 and the like are the customer storage unit 21 and the like. The operations of the customer storage unit 21 and the like may be the same as those of the store storage unit 21 and the like. On the other hand, the terminal device 3 is the store clerk terminal 3, and the "user" in each element such as the "user storage unit 31" constituting it is also read as "clerk". The operations of the store clerk storage unit 31 and the like may be the same as those of the user storage unit 31 and the like.

As described above, according to the present embodiment, the terminal device 3 reads the code, extracts payment information related to payment from the read code, and is information included in the payment information. transmitting at least part of the payee first information to the server device 4; receiving payee second information associated with the payee first information from the server device 4; Output related information.

Therefore, by recognizing that the code has been replaced based on the output payee second related information, the user or store clerk can prevent payment to an unauthorized payee due to code replacement.

After outputting the payee second information, the terminal device 3 accepts a payment instruction, which is an instruction for payment, and transmits the payment information to the server device 4 only when the payment instruction is accepted. As a result, the user or the store clerk can make the payment safely by issuing the payment instruction after confirming that the code has not been replaced.

In the above configuration, the payee first information is the first part of the payee information, and the payee second information is the second part other than the first part of the payee information. The first part of the payee information extracted from the code is sent to the server device 4 and the payee second information is received from the server device 4 . Therefore, the user or store clerk can recognize that the code has been replaced based on the second portion of the payee information and the payee second information included in the payee second related information.

In the above configuration, the second part is information that can be recognized by the user, and the payment destination second related information includes the payment destination second information, so that the user or the store clerk can easily recognize the output payment destination second information. It can be recognized that the code has been replaced based on the payee second information included in the related information and the recognizable second part.

In addition, the terminal device 3 determines whether or not the payee second information matches the second part, acquires the determination result, and the payee second related information includes the determination result. Therefore, even if the second part is information that the user does not recognize, the user or store clerk can recognize that the code has been replaced based on the determination result included in the output payee second related information. .

In the above configuration, the payee first information is the payee account number of the payee, the payee second information is the payee account holder name of the payee, and the payee second related information is the payment It contains information on one or more of the name of the previous account holder or the name of the store corresponding to the payee. Therefore, the user or store clerk can easily recognize that the code has been replaced based on the payee account holder name or store name included in the output payee second related information.

In particular, since the payee second related information includes the store name, the user or store clerk can easily recognize that the code has been replaced without recognizing the name of the payee account holder.

In addition, the payee correspondence information storage unit 411 stores payee correspondence information, which is a set of pairs of the payee first information and the payee second information. Receiving the first information, acquiring second payee information associated with the received first payee information from the payee correspondence information storage unit 411, and transmitting the acquired second payee information to the terminal device 3 Thus, the terminal device 3 can output the payee second related information. Therefore, the user or store clerk recognizes that the code has been replaced based on the output payee second related information, and can prevent payment to an unauthorized payee due to code replacement.

Furthermore, the processing in this embodiment may be realized by software. Then, this software may be distributed by software download or the like. Also, this software may be recorded on a recording medium such as a CD-ROM and distributed.

In addition, the software which implement|achieves the terminal device 3 in this Embodiment is the following programs, for example. That is, this program comprises a computer, a code reading unit 321 for reading the output code, a payment information extraction unit 331 for extracting payment information related to payment from the code read by the code reading unit 321, and a code included in the payment information. a payment destination first information transmission unit 342 for transmitting to the server device 4 the payment destination first information, which is at least a part of the payment destination information related to the payment destination in the settlement, and the payment destination first information transmission unit 342 from the server device 4 to the payment destination A payee second information receiving unit 351 that receives payee second information associated with the first information, and payee second related information output that outputs payee second related information related to the payee second information It is a program for functioning as the unit 361 .

Also, the software that implements the server device 4 in this embodiment is, for example, the following program. In other words, this program stores a computer as a set of pairs of payee first information, which is at least a part of payee information related to a payee in settlement, and payee second information associated with the payee first information. A payee corresponding information storage unit 411 storing certain payee corresponding information, a payee first information receiving unit 421 receiving the payee first information from the terminal device 3, and the payee first information receiving unit 421 a payee second information acquiring unit 431 for acquiring payee second information associated with the received payee first information from the payee corresponding information storage unit 411; and the payee second information acquiring unit 431 acquires It is a program for functioning as a payee second information transmission unit 441 that transmits the payee second information to the terminal device 3 .

FIG. 9 is a diagram showing an example of the internal configuration of a computer system 900 that implements the terminal device 3 and the like by executing the program according to the embodiment. In FIG. 9, a computer system 900 includes an MPU 911 that is a computer that executes programs, a ROM 912 that stores programs such as a boot-up program, and a ROM 912 that is connected to the MPU 911 to temporarily store instructions of application programs. A RAM 913 that provides a temporary storage space, a storage 914 that stores application programs, system programs, and data, a bus 915 that interconnects the MPU 911, ROM 912, etc., and provides connections to networks such as external networks and internal networks. a memory card slot 917; a display 918; a touch panel 919 provided on the display surface of the display 918; The storage 914 is, for example, a flash memory, but may be a hard disk, SSD, or the like. Computer system 900 preferably also includes input devices, such as a keyboard and microphone, not shown. Note that the entire computer system 900 may be called a computer.

A program that causes the computer system 900 to execute the functions of the terminal device 3 or the like may be stored in the memory card 920 , inserted into the memory card slot 917 , and transferred to the storage 914 , for example. Alternatively, the program may be transmitted over a network to computer system 900 and stored in storage 914 . Programs are loaded into RAM 913 during execution. Note that the program may be loaded directly from the memory card 920 or from the network.

The program does not necessarily include an operating system (OS) that causes the computer system 900 to execute the functions of the terminal device 3 or the like, or a third party program. A program may contain only those portions of instructions that call the appropriate functions or modules in a controlled manner to produce the desired result. How the computer system 900 operates is well known and will not be described in detail.

The computer system 900 described above is a mobile terminal, and is particularly suitable for realizing the terminal device 3 and the store terminal 2, but it can also realize the settlement device 4 and the code generation server 1. FIG. However, the server device 4 and the like are usually realized by a server or a stationary PC. In this case, for example, the touch panel 919 may be replaced with a keyboard and mouse, the memory card slot 917 with a disk drive, and the memory card 920 with a disk. The storage 914 is, for example, a hard disk, SSD, or the like. However, the above is just an example, and the hardware configuration of the computer that implements the terminal device 3 and the like is irrelevant.

In the above program, the transmission step for transmitting information and the reception step for receiving information are performed by hardware. not included).

Also, the number of computers that execute the above programs may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

Further, in each of the above-described embodiments, two or more communication means (terminal information transmitting unit, terminal information receiving unit, etc.) existing in one device may of course be realized physically by one medium. .

Further, in each of the above embodiments, each process (each function) may be implemented by centralized processing by a single device (system), or may be implemented by distributed processing by a plurality of devices. may be

It goes without saying that the present invention is not limited to the above-described embodiments, and that various modifications are possible and are also included within the scope of the present invention.

INDUSTRIAL APPLICABILITY As described above, the terminal device according to the present invention has the effect of preventing payment to an unauthorized payee due to code replacement, and is useful as a terminal device or the like.

1 code generation server 2 store terminal 3 terminal device 4 server device 11 generation storage unit 12 generation reception unit 13 generation processing unit 14 generation transmission unit 21 store storage unit 22 store reception unit 23 store processing unit 24 store transmission unit 25 store reception unit 26 store output unit 31 user storage unit 32 user reception unit 33 user processing unit 34 user transmission unit 35 user reception unit 36 user output unit 41 payment storage unit 42 payment reception unit 43 payment processing unit 44 payment transmission unit 111 store information storage unit 131 code Generation unit 141 Code transmission unit 251 Code reception unit 261 Code output unit 321 Code reading unit 322 Payment instruction reception unit 331 Payment information extraction unit 332 Judgment unit 341 Payment information transmission unit 342 Payment destination first information transmission unit 351 Payment destination second information Receiver 361 Payee second related information output unit 411 Payee correspondence information storage unit 421 Payee first information receiver 431 Payee second information acquisition unit 441 Payee second information transmitter

Claims (8)

a code reading unit for reading a code;
a payment information extraction unit for extracting payment information related to payment from the code read by the code reading unit;
a payee first information transmitting unit that is information included in the payment information and that is at least a part of payee information related to the payee in the payment, and that transmits to a server device first payee information;
a payee second information receiving unit that receives payee second information associated with the payee first information from the server device;
a payee second related information output unit that outputs payee second related information related to the payee second information ;
The first payee information is the payee account number of the payee,
said payee second information is the payee account holder name of said payee;
The terminal device, wherein the payee second related information includes information on one or more of the name of the payee account holder and the store name corresponding to the payee. a settlement instruction receiving unit that receives a settlement instruction, which is a settlement instruction, after the payee second related information output unit outputs the payee second information;
2. The terminal device according to claim 1, further comprising a payment information transmission unit that transmits the payment information only when the payment instruction reception unit receives the payment instruction. the payee first information is a first part of the payee information;
3. The terminal device according to claim 1, wherein said payee second information is a second part other than said first part of said payee information. Stores payee correspondence information that is a set of pairs of payee first information that is at least a part of payee information related to a payee in settlement and payee second information associated with the payee first information a payee correspondence information storage unit;
a payee first information receiving unit for receiving payee first information from the terminal device according to any one of claims 1 to 3 ;
a payee second information acquisition unit for acquiring payee second information associated with the payee first information received by the payee first information reception unit from the payee correspondence information storage unit;
a payee second information transmitting unit that transmits the payee second information acquired by the payee second information acquiring unit to the terminal device ;
The first payee information is the payee account number of the payee,
The server device , wherein the payee second information is the payee account holder name of the payee . A code replacement prevention method realized by a code reading unit, a payment information extraction unit, a payment destination first information transmission unit, a payment destination second information reception unit, and a payment destination second related information output unit,
a code reading step in which the code reading unit reads the output code;
a payment information extraction step in which the payment information extraction unit extracts payment information related to payment from the code read by the code reading unit;
The payee first information transmission unit transmits to a server apparatus the payee first information, which is information included in the payment information and is at least a part of payee information relating to the payee in the settlement. an information transmission step;
a payee second information receiving step in which the payee second information receiving unit receives the payee second information associated with the payee first information from the server device;
a payee second related information output step in which the payee second related information output unit outputs payee second related information related to the payee second related information;
The first payee information is the payee account number of the payee,
said payee second information is the payee account holder name of said payee;
The information processing method , wherein the payee second related information includes information on one or more of the name of the payee account holder and the name of the store corresponding to the payee. Stores payee correspondence information that is a set of pairs of payee first information that is at least a part of payee information related to a payee in settlement and payee second information associated with the payee first information A settlement method implemented by a payee correspondence information storage unit, a payee first information receiving unit, a payee second information acquisition unit, and a payee second information transmission unit,
a payee first information receiving step in which the payee first information receiving unit receives the payee first information from the terminal device according to any one of claims 1 to 3 ;
Payment destination second information, wherein the payment destination second information acquisition unit acquires payment destination second information associated with the payment destination first information received by the payment destination first information reception unit from the payment destination correspondence information storage unit an information acquisition step;
a payment destination second information transmission step in which the payment destination second information transmission unit transmits the payment destination second information acquired by the payment destination second information acquisition unit to the terminal device;
The first payee information is the payee account number of the payee,
The information processing method , wherein the payee second information is the payee account holder name of the payee . the computer,
a code reading unit that reads the output code;
a payment information extraction unit for extracting payment information related to payment from the code read by the code reading unit;
a payee first information transmitting unit that is information included in the payment information and that is at least a part of payee information related to the payee in the payment, and that transmits to a server device first payee information;
a payee second information receiving unit that receives payee second information associated with the payee first information from the server device;
A program for functioning as a payee second related information output unit that outputs payee second related information related to the payee second information,
The first payee information is the payee account number of the payee,
said payee second information is the payee account holder name of said payee;
The program, wherein the payee second related information includes information on one or more of the name of the payee account holder and the store name corresponding to the payee. the computer,
Stores payee correspondence information that is a set of pairs of payee first information that is at least a part of payee information related to a payee in settlement and payee second information associated with the payee first information a payee correspondence information storage unit;
a payee first information receiving unit for receiving payee first information from the terminal device according to any one of claims 1 to 3 ;
a payee second information acquisition unit for acquiring payee second information associated with the payee first information received by the payee first information reception unit from the payee correspondence information storage unit;
A program for functioning as a payment destination second information transmission unit that transmits the payment destination second information acquired by the payment destination second information acquisition unit to the terminal device,
The first payee information is the payee account number of the payee,
The program, wherein the payee second information is a payee account holder name of the payee .

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