JP7156889B2 - Payment processing method - Google Patents

Description

TECHNICAL FIELD The present invention relates to a payment processing method and a payment processing system, and more particularly to a technique for performing payment processing using a payment code.

Electronic payment, in which payment is made electronically without using real money such as banknotes and coins, has become widespread. In electronic payment, there are cases where the user who pays for the product or service is authenticated as a prerequisite for payment. At the time of this user authentication, the authentication process is performed by reading the image code with a code reader such as a camera. A mechanism for realizing this is becoming popular (for example, Patent Document 1).

Japanese Patent Publication No. 2017-503253

The technology described in Patent Literature 1 performs authentication processing based on information embedded in a barcode or QR code (registered trademark). However, standards regarding the structure and encoding of information to be embedded in codes are being established in abundance, and a situation has arisen in which standards of different types are not compatible with each other. For this reason, users who want to use electronic payment as described above may be at a loss as to which standard of electronic payment to use, and as a result, this may hinder the spread of electronic payment.

The present invention has been made in view of these points, and an object of the present invention is to provide a technology that enables a user to make a payment without being aware of the type of electronic payment.

A first aspect of the present invention is a payment processing method. This method comprises the steps of: a store terminal installed in a store transmitting a payment token acquisition request to a first payment server managed by a first payment business operator available in the store; transmitting a payment token associated with a first business operator identifier for specifying the first payment business operator to the store terminal; and payment generated by the shop terminal based on the payment token. a step of displaying a payment code; a step of a customer terminal, which is a terminal of a customer who uses the store, acquiring a payment token obtained by reading the payment code; and a settlement amount using an encryption key used by the first settlement server; the customer terminal transmitting the encrypted settlement information to the brokerage server; a step of an intermediation server transferring payment information received from the customer terminal to the first payment server; and a step of the first payment server performing user authentication based on the payment information transferred from the intermediation server. ,including.

The payment processing method comprises the steps of: the first payment server generating a payment token including a first business operator identifier for specifying the first payment business operator and transmitting the payment token to the intermediary server; However, if the payment token received from the first payment server and the payment token received from the customer terminal do not match, the step of canceling payment processing may be further included.

A second aspect of the present invention is also a payment processing method. In this method, a store terminal installed in a store transmits a payment token acquisition request for making a payment using a first payment server managed by a first payment business operator that can be used in the store to an intermediation server. a step of the intermediary server transmitting a payment token associated with a first business operator identifier for identifying the first payment business operator to the store terminal; a step of displaying a payment code generated based on a payment token; a step of a customer terminal, which is a terminal of a customer who uses the store, acquiring the payment token obtained by reading the payment code; a step in which the customer terminal encrypts payment information including the payment token and the payment amount with an encryption key used by the first payment server; and a step in which the customer terminal encrypts the encrypted payment information. a step of transmitting to an intermediation server; a step of the intermediation server transferring payment information acquired from the customer terminal to the first payment server; and performing user authentication based on.

A third aspect of the present invention is a store terminal installed in a store, a customer terminal possessed by a customer who uses the store, and a first payment business operator that can be used in the store and the customer terminal can be used. A payment processing system including a payment server managed by a first payment business operator different from a second payment business operator, and an intermediation server. In this system, the store terminal comprises a token requesting section and a display control section, the settlement server comprises a token transmission section and a settlement management section, and the customer terminal comprises a code reading section, a settlement information transmission section, and an encryption unit, and the mediation server has a payment request unit. The token requesting unit of the store terminal transmits a payment token acquisition request to the payment server, and the token transmission unit of the payment server sends a request for obtaining a payment token to the payment server, and the token transmission unit of the payment server sends a The associated payment token is transmitted to the store terminal, the display control unit of the store terminal causes the display unit to display the payment code generated based on the payment token, and the code reading unit of the customer terminal , the payment code displayed on the display unit of the store terminal is read, and the encryption unit of the customer terminal converts the payment information including the payment token and the payment amount into the encryption used by the payment server. The payment information transmission unit of the customer terminal transmits the payment information encrypted by the encryption unit to the intermediation server, and the payment request unit of the intermediation server transmits the payment information obtained from the customer terminal. is transferred to the payment server, and the payment management unit of the payment server executes user authentication based on the payment information transferred from the mediation server.

ADVANTAGE OF THE INVENTION According to this invention, the technique which enables a user to make a payment without being conscious of the type of electronic payment can be provided.

It is a figure for demonstrating the pre-registration process of the payment processing system which concerns on 1st Embodiment. It is a figure which shows typically the functional structure of each apparatus with which the payment processing system which concerns on 1st Embodiment is provided. 4 is a diagram for explaining payment processing executed by the payment processing system according to the first embodiment; FIG. 4 is a diagram schematically showing the data structure of a payment token database stored in a storage unit according to the first embodiment; FIG. It is a figure for demonstrating the payment processing which the payment processing system based on the 1st modification of 1st Embodiment performs. It is a figure for demonstrating the payment processing which the payment processing system based on the 2nd modification of 1st Embodiment performs. It is a figure for demonstrating the payment processing which the payment processing system based on the 3rd modification of 1st Embodiment performs. It is a figure for demonstrating the payment processing which the payment processing system based on the 4th modification of 1st Embodiment performs. It is a figure for demonstrating the payment processing which the payment processing system based on the 5th modification of 1st Embodiment performs. It is a figure for demonstrating the payment processing which the payment processing system based on the 6th modification of 1st Embodiment performs. It is a figure which shows typically the functional structure of each apparatus with which the payment processing system which concerns on 2nd Embodiment is provided. FIG. 10 is a diagram for explaining payment processing executed by a payment processing system according to a second embodiment; FIG.

[First embodiment]
<Outline of the first embodiment>
An outline of the first embodiment will be described. The mediation server according to the first embodiment is a device that mediates electronic payment using QR codes or the like. The intermediation server according to the first embodiment includes a user terminal used by a user who wishes to make an electronic payment, a store terminal installed in a store used by the user, and a settlement server of a settlement company available to the user. and a settlement server of a settlement company that can be used by the store.

Here, the technique of electronic payment using a code is a method in which the store terminal reads the code displayed on the user terminal of the user who uses the store and transmits it to the settlement server (hereinafter referred to as "user presentation method". ), and a method in which a user terminal reads a code displayed on a store terminal and transmits the code to a settlement server (hereinafter referred to as a "store presentation method").

Hereinafter, in the first embodiment, the user of the terminal that displays the code is the "first user", the terminal used by the first user is the "first user terminal", and the settlement operator contracted by the first user is referred to as the "first payment operator", and the payment server managed by the first payment operator is referred to as the "first payment server". In addition, the terminal that reads the code displayed by the first user terminal is the "second user terminal", the user who uses the second user terminal is the "second user", and the settlement operator contracted by the second user is the "second user terminal". 2 payment business operator”, and the payment server managed by the second payment business operator is referred to as the “second payment server”.

Therefore, in the user-presentation payment system, the user terminal of the user who uses the store is the first user terminal, and the store terminal installed at the store used by the user is the second user terminal. In this case, the second user will be a store manager or the like. Further, in the store presentation method payment system, the user terminal of the user who uses the store is the second user terminal, and the store terminal installed at the store used by the user is the first user terminal.

In general, information exchanged with each user terminal for settlement by a certain electronic settlement company is encrypted with an encryption key used individually by each settlement company. Therefore, if the first payment business operator and the second payment business operator are different, the payment information encrypted with the encryption key used by the first business operator for communication with the first payment business operator will be sent to the second payment business operator. is received by the second payment business operator, it is usually not possible to process the payment.

The intermediation server according to the first embodiment is configured so that it can obtain encryption keys used by each payment business operator from a plurality of payment business operators in advance, and can read encrypted information used by each company during communication. ing. Therefore, the intermediation server according to the first embodiment receives the payment information including the token for the first payment server transmitted by the first user terminal, reads the content of the payment information, and sends the payment information to the second payment server. can be transferred.

As described above, the intermediary server according to the first embodiment can connect the electronic payment settlement business operator contracted by the user who intends to make electronic payment and the payment business operator contracted by the store used by the user. are different, the settlement process can be realized by mediating between them. Therefore, the mediation server according to the first embodiment can enable the user to make payments without being aware of the type of electronic payment.

<Pre-registration process>
FIG. 1 is a diagram for explaining pre-registration processing of the payment processing system S according to the first embodiment. For convenience of explanation, the following description is mainly based on the premise that the payment processing system S is a system that processes payment according to the user presentation method.

As shown in FIG. 1, the payment processing system S according to the first embodiment is installed in a first user terminal T1, which is a terminal used by a first user U1, and a store R used by the first user U1. a second user terminal T2 which is a terminal where the first user U1 has a contract; It includes a second settlement server Q2, which is a settlement server Q of a settlement business operator Q, and an intermediary server M.

Hereinafter, the pre-registration processing of the payment processing system S according to the first embodiment will be described in the order of (1) to (5) with reference to FIG. 5).

(1) The second user U2 performs user registration with the second payment server Q2 managed by the second payment business operator in order to use the electronic payment service provided by the second payment business operator. Thereby, the second user U2 opens an account for electronic payment managed by the second payment server Q2.
(2) The second user U2 performs user registration with the mediation server M.

(3) The second payment business operator performs business registration with the mediation server M, and provides the mediation server M with an encryption key for the second payment business operator to encrypt information during communication.
(4) The first settlement business operator performs business registration with the mediation server M, and provides the mediation server M with an encryption key for the first payment business operator to encrypt information during communication.
(5) The first user U1 performs user registration with the first payment server Q1 managed by the first payment business operator in order to use the electronic payment service provided by the first payment business operator. Thereby, the first user U1 opens an account for electronic payment managed by the first payment server Q1.

Here, the "payment token" is a random character string that the first payment server Q1 transmits to the first user terminal T1 of the first user U1 when the first user U1 tries to make a payment with the first payment server Q1. is. The first payment server Q1 generates each payment token so that the payment tokens to be transmitted to each first user U1 do not overlap. The first payment server Q1 generates a payment token upon receiving a request from the first user terminal T1, associates it with the user identifier of the first user U1, and stores it in the storage unit.

Here, the first payment server Q1 sets an expiration date for each payment token it issues. The first payment server Q1 deletes the expired payment token from the storage unit. The validity period may be determined in consideration of the security required for settlement, and is, for example, several minutes to several tens of minutes.

The first user terminal T1 generates a payment code (for example, an image such as a QR code or barcode) based on the payment token, and displays it on the display section of the first user terminal T1. If the second user terminal T2 can read this payment code and transmit it together with the payment amount to the first payment server Q1, the first payment server Q1 will select the first payment code from the user identifier linked to the received payment token. User U1 can be identified. If the first user U1 can be identified, the first payment server Q1 can make a payment from the account of the first user U1 with the payment amount received from the second user terminal T2.

However, if the second user U2 has not registered as a user to use the electronic payment service of the first payment business operator, the payment code displayed on the display unit by the first user terminal T1 is displayed on the second user terminal T2. Even if it is read, there is no way to send the payment information to the first payment server Q1.

In general, encrypted information is exchanged between the user terminal T and the settlement server Q, but the cryptographic keys used by each settlement server Q to encrypt the information are different from each other. Therefore, if the second user U2 has not registered as a member store for using the electronic payment service of the first payment business operator, the payment code displayed on the display by the first user terminal T1 is transferred to the second user terminal T2. is read, the second user terminal T2 does not have the encryption key used by the first settlement server Q1, so the settlement code cannot be encrypted so that the first settlement server Q1 can decrypt it.

Therefore, the mediation server M mediates transmission and reception of information between the second user terminal T2 and the first settlement server Q1, and converts the information received from the second user terminal T2 into information that can be handled by the first settlement server Q1. to the first settlement server Q1. Thus, the mediation server M can realize electronic payment even if the type of electronic payment contracted by the first user U1 is different from the type of electronic payment contracted by the second user U2.

<Functional configuration of payment processing system S according to first embodiment>
FIG. 2 is a diagram schematically showing the functional configuration of each device included in the payment processing system S according to the first embodiment. The payment processing system S includes a first user terminal T1, a second user terminal T2, an intermediary server M, a first payment server Q1, and a second payment server Q2, which are communicable via a communication network N. Connected. The first user terminal T1 has a storage unit 10 and a control unit 11 . The second user terminal T2 also has a storage unit 20 and a control unit 21 . Similarly, the mediation server M has a storage unit 30 and a control unit 31, the first settlement server Q1 has a storage unit 40 and a control unit 41, and the second settlement server Q2 has a storage unit 50 and a control unit 51. Prepare.

In FIG. 2, arrows indicate main data flows, and there may be data flows not shown in FIG. In FIG. 2, each functional block does not show the configuration in units of hardware (apparatus), but the configuration in units of functions. Data exchange between functional blocks may be performed via any means such as a data bus, network, portable storage medium, or the like.

The storage unit 10 includes a ROM (Read Only Memory) that stores the BIOS (Basic Input Output System) of the computer that implements the first user terminal T1, etc., a RAM (Random Access Memory) that serves as a work area for the first user terminal T1, It is a large-capacity storage device such as a HDD (Hard Disk Drive) or an SSD (Solid State Drive) that stores an OS (Operating System), application programs, and various information referred to when the application programs are executed.

The control unit 11 is a processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit) of the first user terminal T1, and executes a program stored in the storage unit 10 to control the token request unit 110 and display control. It functions as part 111 .

Similarly, the storage unit 20 includes a ROM that stores the BIOS and the like of the computer that implements the second user terminal T2, a RAM that serves as a work area for the second user terminal T2, an OS, an application program, and a memory that is referred to when the application program is executed. It is a large-capacity storage device such as an HDD or an SSD that stores various types of information. The control unit 21 is a processor such as a CPU or GPU of the second user terminal T2 and functions as a code reading unit 210 and a payment information transmitting unit 211 by executing programs stored in the storage unit 20 .

The storage unit 30 stores a ROM that stores the BIOS and the like of a computer that implements the mediation server M, a RAM that serves as a work area for the mediation server M, an OS, application programs, and various information that is referred to when the application programs are executed. It is a large-capacity storage device such as an HDD or an SSD. The control unit 31 is a processor such as a CPU or GPU of the mediation server M, and functions as a payment information receiving unit 310 , a payment requesting unit 311 and a notification unit 312 by executing programs stored in the storage unit 30 .

The storage unit 40 stores a ROM that stores the BIOS and the like of the computer that implements the first settlement server Q1, a RAM that serves as a work area for the mediation server M, an OS, application programs, and various information that is referred to when the application programs are executed. It is a large-capacity storage device such as an HDD or SSD for storing. The control unit 41 is a processor such as a CPU or GPU of the first payment server Q1, and functions as a token transmission unit 410, a payment management unit 411, and a settlement management unit 412 by executing programs stored in the storage unit 40. do.

The storage unit 50 stores a ROM that stores the BIOS and the like of the computer that implements the second settlement server Q2, a RAM that serves as a work area for the mediation server M, an OS, application programs, and various information that is referred to when the application programs are executed. It is a large-capacity storage device such as an HDD or SSD for storing. The control unit 51 is a processor such as a CPU or GPU of the second payment server Q2, and functions as a token transmission unit 510, a payment management unit 511, and a settlement management unit 512 by executing programs stored in the storage unit 50. do.

FIG. 3 is a diagram for explaining payment processing executed by the payment processing system S according to the first embodiment. 2 and 3, the payment processing executed by the payment processing system S according to the first embodiment will be described in the order of (1) to (13). Corresponds to (1) to (13).

(1) The token requesting unit 110 of the first user terminal T1 transmits a payment token acquisition request to the first payment server Q1 managed by the first payment business operator that is available to the first user U1.
(2) In response to the acquisition request acquired from the first user terminal T1, the token transmission unit 410 of the first payment server Q1 sends a token associated with the first business operator identifier for specifying the first payment business operator. is generated and transmitted to the first user terminal T1. The token transmission unit 410 causes the storage unit 40 to store the payment token transmitted to the first user terminal T1 in association with the first user identifier for identifying the first user U1. The first settlement server Q1 executes user authentication of the user using the first user terminal T1 when a token request is received from the token requesting unit 110 of the first user terminal T1 or prior to the token request. . On the condition that this user authentication succeeds, the token transmission unit 410 of the first payment server Q1 generates a payment token.

FIG. 4 is a diagram schematically showing the data structure of the payment token database stored in the storage unit 40 according to the first embodiment. The payment token database associates and stores each user identifier, payment token, and expiration date.

The payment token database shown in FIG. 4 is stored in the storage unit 40 of the first payment server Q1. As shown in FIG. 4, the payment token is basically a random character string, but the first three characters are all the common character string "001". This string corresponds to the first operator identifier. Thus, in the example shown in FIG. 4, the payment token and the business identifier are associated in such a manner that the payment token includes the business identifier. As a result, the device that has acquired the payment token can determine which payment server Q handles the payment token.

Returning to the description of FIG.
(3) The display control unit 111 of the first user terminal T1 causes the display unit of the first user terminal T1 to display the payment code generated based on the payment token received from the first payment server Q1.
(4) The code reading section 210 of the second user terminal T2 reads the payment code displayed on the display section of the first user terminal T1 to obtain a payment token.

(5) The payment information transmission unit 211 of the second user terminal T2 transmits the payment token read and acquired by the code reading unit 210 and the second user for specifying the second user U2 who uses the second user terminal T2. The payment information including the identifier, the second business operator identifier for specifying the second payment business operator that can be used by the second user U2, and the payment amount is transmitted to the mediation server M.

(6) The payment information receiving unit 310 of the mediation server M receives payment information from the second user terminal T2.
(7) The payment request unit 311 of the intermediation server M makes the first payment of the first payment business operator identified by the first business operator identifier acquired from the payment token included in the payment information received by the payment information reception unit 310. The payment token and the payment amount are transmitted to the server Q1.

(8) The settlement management unit 411 of the first settlement server Q1 determines whether or not the settlement token transmitted to the first user terminal T1 and the settlement token received from the mediation server M match each other. perform authentication. The payment management unit 411 of the first payment server Q1 receives the payment token received from the intermediation server M on the condition that the payment token transmitted to the first user terminal T1 and the payment token received from the intermediation server M match. The first user identifier linked to the token is acquired from the storage unit 40, it is determined whether or not the settlement amount can be settled with the balance of the account of the first user U1 identified by the first user identifier, and the result is determined. It is notified to the intermediary server M as information related to settlement approval.

(9) If the settlement amount can be settled with the balance of the account of the first user U1, the settlement request unit 311 of the intermediary server M sends the second user identifier and the settlement amount to the second settlement server Q2 managed by the second settlement operator. Send a payment request for the payment amount included in the information. Note that if the settlement amount cannot be settled with the balance of the account of the first user U1, the settlement requesting unit 311 stops the settlement processing.

(10) The settlement management unit 511 of the second settlement server Q2 sets the settlement amount received from the intermediary server M on condition that the user authentication based on the second user identifier received from the settlement request unit 311 of the intermediation server M is successful. to execute the payment. Specifically, the payment management unit 511 transfers an amount corresponding to the payment amount to the account opened by the second user U2. This means that the second settlement server Q2 is paying on behalf of the first user U1. If the user authentication fails, that is, if the second user U2 has not registered as a user with the second payment operator, the payment management unit 511 of the second payment server Q2 stops the payment processing.

(11) The payment management unit 511 notifies the second user terminal T2 that the payment has been completed.
(12) After transmitting the payment request to the second payment server Q2, the notification unit 312 of the mediation server M notifies the first user terminal T1 that the payment has been completed.

(13) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. As a result, an amount corresponding to the settlement amount is transferred from the account of the first user U1 managed by the first settlement server Q1 to the second settlement server Q2, and the payment made by the second settlement server Q2 for the first user U1 is settled. be done. In addition, the mediation server M may mediate settlement processing performed between the first settlement server Q1 and the second settlement server Q2. For example, the unillustrated settlement mediation unit of the mediation server M may receive the settlement request from the settlement management unit 512 of the second settlement server Q2 and transfer it to the settlement management unit 412 of the first settlement server Q1.

As described above, the mediation server M according to the first embodiment mediates settlement processing performed between the first user terminal T1, the second user terminal T2, the first settlement server Q1, and the second settlement server Q2. do. Thus, the mediation server M can realize electronic payment even if the type of electronic payment contracted by the first user U1 is different from the type of electronic payment contracted by the second user U2.

<Effects of Intermediation Server M According to First Embodiment>
As described above, according to the intermediation server M according to the embodiment, the user U can make a payment without being aware of the type of electronic payment.

<First Modification of First Embodiment>
FIG. 5 is a diagram for explaining payment processing executed by the payment processing system S according to the first modification of the first embodiment. In the payment processing system S according to the first modification of the first embodiment, unlike the payment processing system S according to the first embodiment, the first payment server Q1 performs payment processing based on payment information. Run.

Hereinafter, the payment processing executed by the payment processing system S according to the first modification of the first embodiment will be described in the order of (1) to (12) with reference to FIG. This corresponds to (1) to (12) in FIG. Note that the processing from (1) to (7) is the same as the processing from (1) to (7) in FIG. 3, and therefore will be omitted.

(8) The settlement management unit 411 of the first settlement server Q1 determines whether or not the settlement token transmitted to the first user terminal T1 and the settlement token received from the mediation server M match each other. perform authentication. The payment management unit 411 of the first payment server Q1 receives the payment token received from the intermediation server M on the condition that the payment token transmitted to the first user terminal T1 and the payment token received from the intermediation server M match. The first user identifier linked to the token is acquired from the storage unit 40, and it is determined whether or not the balance of the account of the first user U1 specified by the first user identifier can be used to settle the settlement amount, and settlement is performed. If possible, the settlement is executed and the amount equivalent to the settlement amount is withdrawn from the account of the first user U1.

(9) The settlement management unit 411 of the first settlement server Q1 transmits the settlement result to the mediation server M.
(10) The notification unit 312 of the mediation server M transmits the settlement result received from the first settlement server Q1 to the second user terminal T2.
(11) The notification unit 312 of the mediation server M transmits the settlement result received from the first settlement server Q1 to the first user terminal T1.

(12) The settlement management unit 412 of the first settlement server Q1 issues a settlement request to the settlement management unit 512 of the second settlement server Q2. As a result, the amount equivalent to the settlement amount withdrawn from the account of the first user U1 managed by the first settlement server Q1 is transferred to the account of the second user U2 managed by the second settlement server Q2. In addition, the mediation server M may mediate settlement processing performed between the first settlement server Q1 and the second settlement server Q2.

In this way, unlike the payment processing system S according to the first embodiment, the payment processing system S according to the first modification of the first embodiment is a payment operator that can be used by the first user U1. The first settlement server Q1 executes settlement processing. For this reason, the settlement processing system S according to the first modification of the first embodiment, if there is a balance sufficient for settlement of the settlement amount in the account of the first user U1, sends the result of the balance confirmation to the mediation server. Since the process of notifying M can be omitted and the settlement process can be executed immediately, the settlement process can be speeded up.

Considering the payment processing system S according to the first embodiment and the payment processing system S according to the first modification of the first embodiment, the payment requesting unit 311 of the intermediary server M performs the first payment It can also be said that a payment request for the payment amount should be sent to either one of the server Q1 and the second payment server Q2. One settlement server Q that has received the settlement request executes settlement processing and transmits the settlement request to the other settlement server Q, whereby the settlement processing system S performs electronic settlement for which the first user U1 has a contract. Even if the type is different from the electronic payment type contracted by the second user U2, the electronic payment can be realized.

<Second Modification of First Embodiment>
FIG. 6 is a diagram for explaining payment processing executed by the payment processing system S according to the second modification of the first embodiment. Unlike the payment processing system S according to the first embodiment, the payment processing system S according to the second modification of the first embodiment differs from the payment processing system S according to the first embodiment. Information exchanged with the server Q1 is encrypted with an encryption key used by the first settlement server Q1. In addition, the mediation server M encrypts information exchanged between the second user terminal T2 and the second settlement server Q2 with an encryption key used by the second settlement server Q2.

Hereinafter, the payment processing executed by the payment processing system S according to the second modification of the first embodiment will be described in the order of (1) to (14) with reference to FIG. This corresponds to (1) to (14) in FIG. Note that the processing of (1) is the same as the processing of (1) in FIG. 3, and therefore will be omitted.

(2) In response to the acquisition request acquired from the first user terminal T1, the token transmission unit 410 of the first payment server Q1 sends a token associated with the first business operator identifier for specifying the first payment business operator. is generated, and the generated payment token is encrypted with the encryption key used by the first payment server Q1 and then transmitted to the first user terminal T1. The token transmission unit 410 causes the storage unit 40 to store the payment token transmitted to the first user terminal T1 in association with the first user identifier for identifying the first user U1. The first settlement server Q1 executes user authentication of the user using the first user terminal T1 when a token request is received from the token requesting unit 110 of the first user terminal T1 or prior to the token request. . On the condition that this user authentication succeeds, the token transmission unit 410 of the first payment server Q1 generates a payment token.

(3) The display control unit 111 of the first user terminal T1 decrypts the encrypted payment token received from the first payment server Q1, generates a payment code based on the obtained payment token, Displayed on the display unit of the first user terminal T1.
(4) The code reading section 210 of the second user terminal T2 reads the payment code displayed on the display section of the first user terminal T1 to obtain a payment token.

(5) The payment information transmission unit 211 of the second user terminal T2 transmits the payment token acquired by the code reading unit 210 and the second user identifier for specifying the second user U2 who uses the second user terminal T2. , a second business operator identifier for specifying a second payment business operator that can be used by the second user U2, and payment information including a payment amount, are encrypted with an encryption key used by the second payment server Q2, and act as an intermediary. Send to server M.

(6) The payment information receiving unit 310 of the mediation server M receives the encrypted payment information from the second user terminal T2.
(7) The payment information receiving unit 310 decrypts the encrypted payment information received from the second user terminal T2 using the encryption key used by the second payment server Q2.

(8) The payment requesting unit 311 of the intermediary server M makes the first payment of the first payment business operator identified by the first business operator identifier acquired from the payment token included in the payment information received by the payment information receiving unit 310. Information including the payment token and the payment amount is encrypted with an encryption key used by the first payment server Q1 and transmitted to the server Q1.

(9) The payment management unit 411 of the first payment server Q1 determines whether the payment token sent to the first user terminal T1 and the payment token received from the intermediary server M match each other. perform authentication. The payment management unit 411 of the first payment server Q1 accepts the information received from the intermediation server M on the condition that the payment token sent to the first user terminal T1 and the payment token received from the intermediation server M match. After decryption, the first user identifier linked to the payment token is acquired from the storage unit 40 . The settlement management unit 411 determines whether the settlement amount can be settled with the balance of the account of the first user U1 identified by the first user identifier, encrypts the result, and notifies it to the mediation server M.

(10) The payment requesting unit 311 of the mediation server M decrypts the notification received from the payment management unit 411 using the encryption key used by the first payment server Q1. If the settlement amount can be settled with the balance of the account of the first user U1, the settlement request unit 311 of the intermediation server M requests the second settlement server Q2 managed by the second settlement operator to settle the settlement amount included in the settlement information. The request and the second user identifier are encrypted with an encryption key used by the second settlement server Q2 and transmitted.

(11) The settlement management unit 511 of the second settlement server Q2 accepts the information received from the intermediation server M on condition that the user authentication based on the second user identifier received from the settlement request unit 311 of the intermediation server M is successful. Decrypt and execute payment with the payment amount.
(12) The settlement management unit 511 encrypts the information indicating that the settlement has been completed with the encryption key used by the second settlement server Q2, and notifies the second user terminal T2.

(13) After transmitting the settlement request to the second settlement server Q2, the notification unit 312 of the intermediary server M encrypts the information indicating that the settlement has been completed with the encryption key used by the first settlement server Q1, and sends it to the first user terminal. Notify T1.
(14) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. In addition, the mediation server M may mediate settlement processing performed between the first settlement server Q1 and the second settlement server Q2.

In this way, the mediation server M encrypts the information exchanged between the first user terminal T1 and the first settlement server Q1 with the encryption key used by the first settlement server Q1. In addition, the mediation server M encrypts information exchanged between the second user terminal T2 and the second settlement server Q2 with an encryption key used by the second settlement server Q2. As a result, the mediation server M can further improve the security of settlement processing.

<Third Modification of First Embodiment>
FIG. 7 is a diagram for explaining payment processing executed by the payment processing system S according to the third modification of the first embodiment. Unlike the payment processing system S according to the first embodiment, the payment processing system S according to the third modification of the first embodiment differs from the payment processing system S according to the first embodiment in that the first payment server Q1 transfers the generated payment token to the mediation server. Send to M.

Hereinafter, the payment processing executed by the payment processing system S according to the third modification of the first embodiment will be described in the order of (1) to (15) with reference to FIG. This corresponds to (1) to (15) in FIG. Note that the processes (1) and (2) are the same as the processes (1) and (2) in FIG. 3, so they are omitted.

(3) The token transmission unit 410 transmits the generated payment token to the mediation server M.
(4) The display control unit 111 of the first user terminal T1 causes the display unit of the first user terminal T1 to display the payment code generated based on the payment token received from the first payment server Q1.
(5) The code reading section 210 of the second user terminal T2 reads the payment code displayed on the display section of the first user terminal T1 to obtain a payment token.

(6) The payment information transmission unit 211 of the second user terminal T2 transmits the payment token acquired by the code reading unit 210 and the second user identifier for specifying the second user U2 who uses the second user terminal T2. , payment information including a second business operator identifier for specifying a second payment business operator that can be used by the second user U2 and a payment amount.

(7) The payment information receiving unit 310 of the mediation server M receives payment information from the second user terminal T2.
(8) If the payment token received from the first payment server Q1 and the payment token received from the second user terminal T2 do not match, the payment request unit 311 of the mediation server M stops the payment process. Specifically, the payment request unit 311 adds the payment token received from the second user terminal T2 to any of the payment tokens that have not expired among the payment tokens received from the first payment server Q1. If it is not included, it is judged to be inconsistent.

(9) If the payment token received from the first payment server Q1 and the payment token received from the second user terminal T2 match, the payment request unit 311 of the intermediation server M determines the payment token and the payment amount. to the first settlement server Q1.

(10) The payment management unit 411 of the first payment server Q1 acquires from the storage unit 40 the first user identifier linked to the payment token received from the mediation server M, and is identified by the first user identifier. It is determined whether or not the settlement amount can be settled with the balance of the account of the first user U1, and the mediation server M is notified of the result.

(11) If the settlement amount can be settled with the balance of the account of the first user U1, the settlement request unit 311 of the intermediation server M sends the settlement amount included in the settlement information to the second settlement server Q2 managed by the second settlement operator. Submit a payment request for an amount.
(12) The settlement management unit 511 of the second settlement server Q2 executes settlement with the settlement amount received from the mediation server M. Specifically, the payment management unit 511 transfers an amount corresponding to the payment amount to the account opened by the second user U2.

(13) The payment management unit 511 notifies the second user terminal T2 that the payment has been completed.
(14) After transmitting the payment request to the second payment server Q2, the notification unit 312 of the mediation server M notifies the first user terminal T1 that the payment has been completed.

(15) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. As a result, an amount equivalent to the settlement amount is transferred from the account of the first user U1 managed by the first settlement server Q1 to the second settlement server Q2. In addition, the mediation server M may mediate settlement processing performed between the first settlement server Q1 and the second settlement server Q2.

Thus, in the mediation server M according to the third modification of the first embodiment, the payment request unit 311 receives the payment token received from the first payment server Q1 and the payment token received from the second user terminal T2. If the token for payment does not match, stop the payment process. As a result, the mediation server M can prevent the first settlement server Q1 from executing processes such as checking the balance, thereby reducing the load on the first settlement server Q1.

Note that the first payment server Q1 may not include the first business operator identifier in the payment token generated in response to the payment token acquisition request from the first user terminal T1. In this case, when the mediation server M receives the payment token from the first payment server Q1, it stores the received payment token in the storage unit 30 in association with the first business operator identifier. The mediation server M reads from the storage unit 30 a payment token that matches the payment token included in the payment information received from the second user terminal T2, and acquires the first business operator identifier associated with the payment token. By doing so, it is possible to specify the payment service providers that can be used by the first user U1.

<Fourth Modification of First Embodiment>
FIG. 8 is a diagram for explaining payment processing executed by the payment processing system S according to the fourth modification of the first embodiment. The payment processing system S according to the fourth modification of the first embodiment is different from the payment processing system S according to the first embodiment. is sent to the second settlement server Q2 instead of the mediation server M.

Hereinafter, the payment processing executed by the payment processing system S according to the fourth modification of the first embodiment will be described in the order of (1) to (14) with reference to FIG. This corresponds to (1) to (14) in FIG. Note that the processing from (1) to (4) is the same as the processing from (1) to (4) in FIG. 3, and therefore will be omitted.

(5) The payment information transmission unit 211 of the second user terminal T2 transmits payment information including the payment token acquired by the code reading unit 210 and the payment amount to the second payment server Q2.

(6) If the payment token included in the payment information received from the second user terminal T2 is different from the payment token used by the second payment server Q2, the payment management unit 511 of the second payment server Q2 The payment information received from the terminal T2 is transferred to the mediation server M.
(7) The payment information receiving unit 310 of the mediation server M receives payment information from the second payment server Q2.
(8) The payment requesting unit 311 of the intermediary server M makes the first payment of the first payment business operator identified by the first business operator identifier acquired from the payment token included in the payment information received by the payment information receiving unit 310. The payment token and the payment amount are transmitted to the server Q1.

(9) The payment management unit 411 of the first payment server Q1 determines whether the payment token sent to the first user terminal T1 and the payment token received from the intermediary server M match each other. perform authentication. The payment management unit 411 of the first payment server Q1 receives the payment token received from the intermediation server M on the condition that the payment token transmitted to the first user terminal T1 and the payment token received from the intermediation server M match. The first user identifier linked to the token is acquired from the storage unit 40, it is determined whether or not the settlement amount can be settled with the balance of the account of the first user U1 identified by the first user identifier, and the result is determined. The mediation server M is notified.

(10) If the settlement amount can be settled with the balance of the account of the first user U1, the settlement request unit 311 of the intermediation server M sends the settlement amount included in the settlement information to the second settlement server Q2 managed by the second settlement operator. Submit a payment request for an amount.
(11) The settlement management unit 511 of the second settlement server Q2, on the condition that the user authentication based on the second user identifier received from the settlement request unit 311 of the intermediation server M is successful, to execute the payment.
(12) The payment management unit 511 notifies the second user terminal T2 that the payment has been completed.

(13) After transmitting the payment request to the second payment server Q2, the notification unit 312 of the mediation server M notifies the first user terminal T1 that the payment has been completed.
(14) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. In addition, the mediation server M may mediate settlement processing performed between the first settlement server Q1 and the second settlement server Q2.

Thus, in the payment processing system S according to the fourth modification of the first embodiment, the second user terminal T2 transmits payment information not to the mediation server M but to the second payment server Q2. The second payment server Q2 transfers the payment information to the mediation server M because the payment token included in the received payment information is generated by the first payment server Q1 and cannot execute the payment processing. Since there is no need to exchange information between the second user terminal T2 and the intermediary server M, even if the second user U2 does not designate the intermediation server M to register as a member store, the second settlement server Q2 can , the mediation server M can mediate settlement processing.

<Fifth Modification of First Embodiment>
FIG. 9 is a diagram for explaining payment processing executed by the payment processing system S according to the fifth modification of the first embodiment. The payment processing system S according to the fifth modification of the first embodiment differs from the payment processing system S according to the first embodiment in that the first user terminal T1 sends the mediation server M a payment token. Submit a retrieval request.

Hereinafter, the payment processing executed by the payment processing system S according to the fifth modification of the first embodiment will be described in the order of (1) to (13) with reference to FIG. This corresponds to (1) to (13) in FIG.

(1) The token requesting unit 110 of the first user terminal T1 transmits to the intermediary server M a request to acquire a payment token for making a payment using the first payment server Q1.
(2) The token transmission unit (not shown) of the mediation server M responds to the acquisition request acquired from the first user terminal T1, and is associated with the first business operator identifier for specifying the first payment business operator. A token is generated and sent to the first user terminal T1. The storage unit 30 stores the payment token transmitted to the first user terminal T1 in association with the first user identifier for identifying the first user U1.

In addition, the mediation server M performs user authentication of the user using the first user terminal T1 when the token request unit 110 of the first user terminal T1 requests the token or prior to the request for the token. Specifically, when the first user terminal T1 signs in to the mediation server M with an identifier associated with the first user identifier, the mediation server M can realize user authentication. Alternatively, when the token is requested by the token requesting unit 110 of the first user terminal T1, the intermediation server M has successfully authenticated the user under the condition that the first business identifier is obtained from the token requesting unit 110. may be regarded as On the condition that this user authentication succeeds, the token transmission unit 410 of the first payment server Q1 generates a payment token.

The processing from (3) to (13) in FIG. 9 is the same as the processing from (3) to (13) in FIG. 3, so it is omitted. In the payment processing system S according to the fifth modification of the first embodiment, when a request for acquisition of a payment token is received from a user terminal T registered as a user in the intermediation server M, the intermediation server M makes a payment. Generate a token for In this way, since the mediation server M can bear part of the generation processing of the payment token, the payment processing system S according to the fifth modification of the first embodiment reduces the processing load of the first payment server Q1. can be dispersed.

<Sixth Modification of First Embodiment>
FIG. 10 is a diagram for explaining payment processing executed by the payment processing system S according to the sixth modification of the first embodiment. Specifically, the payment processing system S according to the sixth modification is a shop presentation type payment system. Therefore, the first user terminal T1 is the store terminal, and the first user U1 is the manager of the store R where the store terminal is installed. Also, the customer of the store R becomes the second user U2, and the user terminal of the second user U2 becomes the second user terminal T2.

Hereinafter, the payment processing executed by the payment processing system S according to the sixth modification of the first embodiment will be described in the order of (1) to (13) with reference to FIG. This corresponds to (1) to (13) in FIG.

(1) The token requesting unit 110 of the first user terminal T1 transmits a payment token acquisition request to the first payment server Q1 managed by the first payment business operator that is available to the first user U1.
(2) In response to the acquisition request acquired from the first user terminal T1, the token transmission unit 410 of the first payment server Q1 sends a token associated with the first business operator identifier for specifying the first payment business operator. is generated and transmitted to the first user terminal T1.

(3) The display control unit 111 of the first user terminal T1 causes the display unit of the first user terminal T1 to display the payment code generated based on the payment token received from the first payment server Q1.
(4) The code reading section 210 of the second user terminal T2 reads the payment code displayed on the display section of the first user terminal T1 to obtain a payment token.

(5) The payment information transmission unit 211 of the second user terminal T2 transmits the payment token acquired by the code reading unit 210 and the second user identifier for specifying the second user U2 who uses the second user terminal T2. , payment information including a second business operator identifier for specifying a second payment business operator that can be used by the second user U2 and a payment amount.

(6) The payment information receiving unit 310 of the mediation server M receives payment information from the second user terminal T2.
(7) The settlement request unit 311 of the mediation server M sends the settlement amount and the second A second user identifier for identifying user U2 is transmitted.

(8) The settlement management unit 511 of the second settlement server Q2 determines whether the settlement amount can be settled with the balance of the account of the second user U2 identified by the second user identifier received from the mediation server M, Notify mediation server M of the result.

(9) If the settlement amount can be settled with the balance of the account of the second user U2, the settlement request unit 311 of the intermediary server M requests the first settlement server Q1 managed by the first settlement operator to make the settlement included in the settlement information. Submit a payment request for an amount.
(10) The settlement management unit 411 of the first settlement server Q1 executes settlement with the settlement amount received from the mediation server M. Specifically, the payment management unit 411 transfers an amount equivalent to the payment amount to the account opened by the first user U1.

(11) The payment management unit 411 notifies the first user terminal T1 that the payment has been completed.
(12) After transmitting the payment request to the first payment server Q1, the notification unit 312 of the mediation server M notifies the second user terminal T2 that the payment has been completed.

(13) The settlement management unit 412 of the first settlement server Q1 issues a settlement request to the settlement management unit 512 of the second settlement server Q2. As a result, an amount equivalent to the settlement amount is transferred from the account of the second user U2 managed by the second settlement server Q2 to the first settlement server Q1. In addition, the mediation server M may mediate settlement processing performed between the first settlement server Q1 and the second settlement server Q2.

Thus, the payment processing system S can realize electronic payment even if the electronic payment type contracted by the first user U1 and the electronic payment type contracted by the second user U2 are different. .

[Second embodiment]
<Overview of Second Embodiment>
An outline of the second embodiment will be described. The payment processing system S according to the second embodiment is a store presentation type payment system. Therefore, in the payment processing system S according to the second embodiment, the first user terminal T1 is a store terminal installed at the store R, and the second user terminal is a customer terminal owned by a customer who uses the store R. is. Hereinafter, in the payment processing system S according to the second embodiment, the store terminal that is the first user terminal T1 is referred to as "store terminal T1", and the customer terminal that is the second user terminal T2 is referred to as "customer terminal T2". do.

In the customer terminal T2 according to the second embodiment, application software (hereinafter referred to as "payment application") having a code generation algorithm and an encryption key used by a plurality of different payment servers Q is installed in advance. It is Specifically, when the owner of the customer terminal T2 registers with the mediation server M as a user, the customer terminal T2 can download the payment application from the mediation server M.

Since the customer terminal T2 according to the second embodiment is equipped with a payment application, the payment token read from the store terminal T1 is encoded with an algorithm used by the payment server Q using the payment token, It can be encrypted with the encryption key used by Q. In the payment processing system S according to the second embodiment, the customer terminal T2 converts information received from the store terminal T1 into information that can be handled by the first payment server Q1, and the converted information is sent to the first payment server Q1. perform encryption with the encryption key used. In this point, the payment processing system S particularly according to the second modification differs from the first embodiment.

Hereinafter, the functional configuration of each device included in the payment processing system S according to the second embodiment and the payment processing executed by the payment processing system S according to the second embodiment will be described. Descriptions that overlap with the payment processing system S according to the embodiment or various modifications thereof will be omitted or simplified as appropriate.

FIG. 11 is a diagram schematically showing the functional configuration of each device included in the payment processing system S according to the second embodiment. In FIG. 11, the mediation server M, the first settlement server Q1, and the second settlement server Q2 are the mediation server M, the first settlement server Q1, and the second settlement server Q2 according to the first embodiment shown in FIG. Since it has the same functional configuration as , detailed illustration is omitted. As shown in FIG. 11, the control unit 21 of the customer terminal T2 according to the second embodiment differs from the second user terminal T2 according to the first embodiment in that it includes an encryption unit 212. .

FIG. 12 is a diagram for explaining payment processing executed by the payment processing system S according to the second embodiment. 11 and 12, the payment processing executed by the payment processing system S according to the second embodiment will be described in the order of (1) to (15). Corresponds to (1) to (15).

(1) The token requesting unit 110 of the shop terminal T1 sends a payment token to the first payment server Q1 managed by the first payment operator that can be used by the manager of the shop R where the shop terminal T1 is installed. Submit your request.

(2) The token transmission unit 410 of the first payment server Q1 generates a token associated with the first business operator identifier for specifying the first payment business operator in response to the acquisition request acquired from the store terminal T1. and transmit it to the store terminal T1.

(3) The display control unit 111 of the shop terminal T1 causes the display unit of the shop terminal T1 to display the payment code generated based on the payment token received from the first payment server Q1.
(4) The code reading section 210 of the customer terminal T2 reads the payment code displayed on the display section of the first user terminal T1 and acquires the payment token.

(5) The encryption unit 212 of the customer terminal T2 stores a second business operator identifier for specifying a second payment business operator that can be used by the customer who owns the customer terminal T2, a payment token, a payment amount, is encrypted with an encryption key used by the first settlement server Q1, which is the settlement server of the first settlement business operator.

(6) The payment information transmission unit 211 of the customer terminal T2 transmits the payment information encrypted by the encryption unit 212 to the mediation server M.
(7) The payment information receiving unit 310 of the mediation server M receives the encrypted payment information from the customer terminal T2.

(8) The encryption unit 212 of the mediation server M decrypts the payment information received from the customer terminal T2 and acquires the first business operator identifier included in the payment token.
(9) The payment requesting unit 311 of the mediation server M transfers the encrypted payment information obtained from the customer terminal T2 to the first payment server Q1.
(10) The settlement management unit 411 of the first settlement server executes user authentication of the customer who is the user of the store terminal T1 based on the settlement information transferred from the intermediary server M, and transmits the authentication result to the intermediary server M. . Specifically, the payment management unit 411 of the first payment server determines that the payment token transmitted by the token transmission unit 410 to the store terminal T1 matches the payment token included in the payment information received from the mediation server M. If so, it is determined that the customer has been successfully authenticated.

(11) If the authentication is successful, the payment requesting unit 311 of the mediation server M transmits a payment request for the payment amount to the second payment server Q2.
(12) The settlement management unit 511 of the second settlement server Q2 executes settlement when the balance of the customer's account can be used for settlement.
(13) The payment management unit 511 of the second payment server Q2 transmits a payment completion notification to the mediation server M.

(14) The notification unit 312 of the mediation server M notifies the store terminal T1 and the customer terminal T2 of the settlement completion.
(15) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. As a result, an amount corresponding to the settlement amount is transferred from the customer's account managed by the second settlement server Q2 to the first settlement server Q1. In addition, the mediation server M may mediate settlement processing performed between the first settlement server Q1 and the second settlement server Q2.

<Effects of the payment processing system S according to the second embodiment>
As described above, according to the payment processing system S according to the second embodiment, it is possible for the user U to make a payment without being aware of the type of electronic payment.

In particular, in the payment processing system S according to the second embodiment, the customer terminal T2 converts information received from the store terminal T1 into information that can be handled by the first payment server Q1, and transfers the converted information to the first payment server Q1. Encrypt with the encryption key used by Q1. In the payment processing system S according to the second embodiment, the customer terminal T2 takes over part of the processing that should be executed by the mediation server M or the payment server Q, so that the load of the entire system can be distributed.

<First Modification of Second Embodiment>
A case has been described above in which the second settlement server Q2 makes a settlement based on the settlement information and subsequently issues a settlement request to the first settlement server Q1. Instead of this, the first settlement server Q1 may settle based on the settlement information, and then send a settlement request to the second settlement server after the fact. That is, it can be said that the settlement request unit 311 of the mediation server M should transmit a settlement request for the settlement amount to either one of the first settlement server Q1 and the second settlement server Q2. One settlement server Q that received the settlement request executes settlement processing and transmits the settlement request to the other settlement server Q, whereby the settlement processing system S performs the electronic settlement contracted by the manager of the store R. Even if the type of payment is different from the type of electronic payment contracted by the customer, the electronic payment can be realized.

<Second Modification of Second Embodiment>
Unlike the payment processing system S according to the second embodiment, the payment processing system S according to the second modification of the second embodiment differs from the payment processing system S according to the second embodiment in that the first payment server Q1 transfers the generated payment token to the mediation server. Send to M.

In the intermediary server M according to the second modification of the second embodiment, the payment request unit 311 determines that the payment token received from the first payment server Q1 does not match the payment token received from the customer terminal T2. If so, cancel the payment process. More specifically, the intermediation server M receives from the first settlement server Q1 a settlement token encrypted with an encryption key used by the first settlement server Q1, and decrypts the settlement token using the same encryption key. get a token. The mediation server M also receives payment information encrypted with the encryption key used by the first payment server Q1 from the customer terminal T2, decrypts it using the same encryption key, and extracts the payment token. The mediation server M compares the payment token derived from the first payment server Q1 and the payment token derived from the customer terminal T2, and determines whether or not they match. As a result, the intermediary server M executes processing corresponding to authentication processing of the store terminal T1 by the first settlement server Q1, so that the load on the first settlement server Q1 can be reduced.

<Third Modification of Second Embodiment>
The payment processing system S according to the third modification of the second embodiment differs from the payment processing system S according to the second embodiment in that the store terminal T1 requests the mediation server M to acquire a payment token. to send. As a result, the intermediation server M can bear part of the payment token generation processing, so that the payment processing system S according to the third modification of the second embodiment distributes the processing load of the first payment server Q1. can be made

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, the specific embodiment of the distributed/integrated device is not limited to the above-described embodiments, and all or part of it may be functionally or physically distributed/integrated in arbitrary units. can be done. Further, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

T1 First user terminal 10 Storage unit 11 Control unit 110 Token request unit 111 Display control unit T2 Second user terminal 20 Storage unit 21 Control unit 210 Code reading unit 211 Payment information transmission unit 212 Encryption unit M Intermediary server 30 Storage unit 31 Control unit 310 Payment information Reception unit 311 Payment request unit 312 Notification unit Q1 First payment server 40 Storage unit 41 Control unit 410 Token transmission unit 411 Payment management unit 412 Settlement management unit Q2 Second settlement server 50 Storage unit 51 Control unit 510 Token transmission unit 511 Settlement management unit 512 Settlement management unit N・Communication network S: payment processing system

Claims (7)

A payment processing method comprising:
A customer terminal, which is a terminal of a customer who uses a store, is based on a payment token associated with a first business operator identifier for specifying a first payment business operator available at the store, displayed at the store. reading the generated payment code;
The customer terminal is a payment business operator with which the customer can use payment information including the payment token and the first business identifier, and a second payment business operator different from the first payment business operator. encrypting with a cryptographic key for encrypting information during communication ;
said customer terminal transmitting said encrypted payment information to an intermediary server;
The intermediary server has an encryption key for encrypting information when each of a plurality of payment business operators including the first payment business operator and the second payment business operator communicates,
The payment processing method further comprises:
a step in which the intermediation server decrypts the payment information received from the customer terminal using an encryption key used by the second payment business operator to obtain the first business operator identifier;
The intermediation server encrypts the decrypted payment information using an encryption key for encrypting the information during communication by the first payment business operator, and the first payment server is the payment server of the first payment business operator. transferring to
the first payment server performing user authentication based on the payment information transferred from the intermediation server;
payment processing methods, including; In the encrypting step, the customer terminal further encrypts the payment amount,
The settlement processing method according to claim 1. The customer is a user who has not registered to use the payment service provided by the first payment business operator,
The payment processing method according to claim 2. In the step of encrypting the payment information by the customer terminal, the customer terminal encrypts the payment information further including a second business identifier for specifying a second payment server managed by the payment business operator that can be used by the customer. encrypt,
The settlement processing method according to any one of claims 2 and 3 . The first payment server determines whether the customer can settle the payment amount on the condition that the payment token provided to the store and displayed at the store matches the payment token received from the intermediary server. Notifying the mediation server of the determination result of determining whether
The settlement processing method according to any one of claims 2 to 4 . When the customer can settle the settlement amount, the intermediation server transmits a settlement request for the settlement amount included in the settlement information to a second settlement server managed by a second settlement operator with which the customer terminal is registered. do,
The payment processing method according to claim 5 . 7. The intermediate server according to any one of claims 1 to 6 , further comprising a step of stopping payment processing when the payment token received from the first payment server and the payment token received from the customer terminal do not match. or the payment processing method described in paragraph 1.

Images