Information processing apparatus and information processing system
阅读说明:本技术 信息处理设备以及信息处理系统 (Information processing apparatus and information processing system ) 是由 末吉正弘 樋浦裕二 于 2018-05-02 设计创作,主要内容包括:[技术问题]为了提供一种无需复杂的操作就可以在实体店中进行结算的信息处理装置和信息处理系统。[技术方案]提供一种信息处理装置,设置有:固有信息获取单元,其经由实体店中的终端获取与实体店中的结算有关并且由用户终端生成的固有信息;验证单元,其验证所述固有信息;以及结算处理单元,其将固有信息发送给结算服务提供商,以便结算服务提供商基于该固有信息执行结算处理。([ problem ] to provide an information processing device and an information processing system that can perform settlement in a brick-and-mortar store without requiring complicated operations. [ solution ] Provided is an information processing device provided with: an inherent information acquisition unit that acquires, via a terminal in the brick-and-mortar store, inherent information that is related to settlement in the brick-and-mortar store and that is generated by the user terminal; a verification unit that verifies the inherent information; and a settlement processing unit that transmits the unique information to the settlement service provider so that the settlement service provider performs settlement processing based on the unique information.)
1. An information processing apparatus comprising:
an inherent information acquisition unit that acquires, via the brick-and-mortar store terminal, inherent information about settlement in the brick-and-mortar store generated by the user terminal;
a verification unit that verifies the inherent information; and
a settlement processing unit that transmits the inherent information to a settlement service provider so that the settlement service provider performs settlement processing based on the inherent information.
2. The information processing apparatus according to claim 1,
wherein the inherent information includes settlement service provider specifying information for specifying a settlement service provider, an
The information processing apparatus further includes a settlement service provider selection unit that selects a settlement service provider based on the settlement service provider specifying information.
3. The information processing apparatus according to claim 1,
wherein the inherent information includes terminal identification information of the physical shop terminal, an
The settlement service provider performs settlement processing based on the terminal identification information.
4. The information processing apparatus according to claim 3, wherein the settlement service provider applies a unique service corresponding to the brick-and-mortar terminal based on the terminal identification information, and performs a settlement process.
5. The information processing apparatus according to claim 1, wherein the inherent information includes information on an account of a user who uses the user terminal and a password of the account.
6. The information processing apparatus according to claim 5, wherein the inherent information includes information on settlement associated with the account.
7. The information processing apparatus according to claim 6, wherein the information on settlement is information of a credit card.
8. The information processing apparatus according to claim 5, further comprising a user authentication unit that authenticates the user based on the information about the account and the password.
9. The information processing apparatus according to claim 1, further comprising:
a hash value acquisition unit that acquires, via the brick-and-mortar store terminal, a hash value of the inherent information generated by the user terminal;
wherein the verification unit verifies the inherent information based on the hash value.
10. An information processing system comprising:
a user terminal generating inherent information on settlement in a brick and mortar store;
a brick-and-mortar terminal installed in a brick-and-mortar store and acquiring the inherent information from the user terminal;
an information processing apparatus includes: an inherent information acquisition unit that acquires the inherent information from the brick and mortar store terminal, a verification unit that verifies the inherent information, and a settlement processing unit that transmits the inherent information to a settlement service provider so that the settlement service provider performs settlement processing based on the inherent information; and
and a settlement service provider terminal which is a terminal of the settlement service provider and performs settlement based on the inherent information.
Technical Field
The present invention relates to an information processing apparatus and an information processing system.
Background
Conventionally, for example, patent document 1 below describes a shop settlement terminal that is lent to a consumer of goods in a shop. In a shop settlement terminal, a settlement method is proposed which can perform settlement to determine a total price of a commodity. Settlement execution instructions from the consumer for a settlement method selected from the proposed settlement methods are received. Processing according to the selected settlement method is performed.
CITATION LIST
Patent document
Patent document 1: japanese laid-open patent publication No. 2015-185089
Disclosure of Invention
Problems to be solved by the invention
However, in the technique described in the above patent document 1, the association between the information for specifying the settlement method and the information for specifying the user is not considered. Therefore, the user needs to select a settlement method at the time of settlement. As a result, there are the following problems: during shopping in a brick and mortar store, the store settlement terminal requires complicated operations. Further, in the technique described in the above-mentioned patent document 1, there are the following problems: settlement methods that can be used for settlement are limited on the side of the brick-and-mortar terminal, and significant modifications to the system are required to introduce new settlement methods.
Accordingly, the present disclosure proposes a new and improved information processing apparatus and information processing system that enable settlement in a brick and mortar store without complicated operations.
Solution to the problem
According to the present disclosure, there is provided an information processing apparatus including: an inherent information acquisition unit that acquires, via the brick-and-mortar store terminal, inherent information about settlement in the brick-and-mortar store generated by the user terminal; a verification unit that verifies the inherent information; and a settlement processing unit that transmits the inherent information to a settlement service provider so that the settlement service provider performs settlement processing based on the inherent information.
Further, according to the present disclosure, there is provided an information processing system including: a user terminal generating inherent information on settlement in a brick and mortar store; a brick-and-mortar terminal installed in a brick-and-mortar store and acquiring the inherent information from the user terminal; an information processing apparatus includes: an inherent information acquisition unit that acquires the inherent information from the brick and mortar store terminal, a verification unit that verifies the inherent information, and a settlement processing unit that transmits the inherent information to a settlement service provider so that the settlement service provider performs settlement processing based on the inherent information; and a settlement service provider terminal that is a terminal of a settlement service provider and performs settlement based on the inherent information.
ADVANTAGEOUS EFFECTS OF INVENTION
According to the present disclosure, as described above, it is possible to provide an information processing apparatus and an information processing system that enable settlement in a brick and mortar store without requiring complicated operations.
Note that the above-described effects are not necessarily limited, and any effect shown in the present specification or other effects that can be grasped from the present specification may be exhibited together with or instead of the above-described effects.
Drawings
Fig. 1 is a schematic diagram illustrating a configuration of a system according to one embodiment of the present disclosure.
Fig. 2 is a sequence diagram showing the preliminary preparation flow.
Fig. 3 is a sequence diagram showing a flow of preliminary preparation.
Fig. 4 is a sequence diagram showing a settlement flow.
Fig. 5 is a sequence diagram showing a settlement flow.
Fig. 6 is a schematic diagram showing a data structure of the inherent ID.
Fig. 7 is a schematic diagram showing an example of a selection screen of the settlement means.
Fig. 8 is a schematic diagram showing an example of a screen for selecting the type of user ID.
Fig. 9 is a flowchart showing a process performed in the user terminal.
Fig. 10 is a schematic diagram showing an example of data management in the settlement gateway.
Detailed Description
Preferred embodiments of the present disclosure will be described in detail below with reference to the accompanying drawings. Note that in this specification and the drawings, the same reference numerals will be assigned to components having substantially the same functional configuration, and overlapping descriptions will be omitted.
Note that the description will be given in the following order.
1. Background of the invention
2. Configuration example of System
3. Pre-registration process
4. Settlement processing
5. Processing performed in a user terminal
6. Example of data management in a settlement gateway
[1. background ]
Recent developments in the internet have expanded the opportunities for settlement over the internet during, for example, internet shopping. In contrast, settlement after seeing the actual goods in the brick and mortar stores is still in progress. In the case of settlement in a physical store, many settlement means based on, for example, a credit card, electronic money, and a QR code (registered trademark) are proposed at present, and each means has advantages. The brick-and-mortar store needs to select an applicable settlement service provider and build a system suitable for the provider in the store. Since the settlement method is not standardized in each brick and mortar store, a system needs to be constructed according to the settlement method. As a result, in the case where a settlement service provider is newly added to one store, the store bears a major burden of changing the terminal of the physical store.
Further, in the case of settlement in a brick and mortar store, information for specifying settlement by a settlement service provider and information for specifying a user are not currently associated with each other. For this reason, the user needs to transfer information (such as credit card information) required for settlement to the physical store at the time of settlement. In contrast, in a transaction via the internet, if an account (e.g., an email address) of a user and credit card information are associated and registered in advance, a commodity can be purchased without re-inputting the credit card information as long as the account of the logged-in user is performed. When shopping in a brick and mortar store, settlement based on user account authentication cannot be performed.
Thus, in this embodiment, settlement is handled via the settlement gateway in the settlement in the brick and mortar store. The settlement gateway manages various types of settlement means and user information. Since the settlement gateway determines the type of settlement, the brick-and-mortar store can use the terminal without customizing the terminal for each settlement service provider.
In order to achieve secure authentication and data transmission with respect to the settlement gateway, secure writing and reading of user information using keyed access by FeliCa (registered trademark) and forgery detection accompanying data transmission to the settlement gateway are performed. Further, settlement in a brick and mortar store is realized in a manner of being used on the internet by account authentication using a user ID (user identification information) of a user.
To realize the settlement means, this embodiment includes not only RF for near field communication but also means such as a credit card and a QR code (registered trademark). Further, settlement can be performed by using information on an account used by the user on the internet. Specifically, the settlement processing may be performed by, for example, electronic money, a settlement method proposed by various settlement service providers, a credit card, and a QR code (registered trademark) based on the account information. Further, by specifying the settlement means and the settlement assistance information, the present embodiment can be applied not only to the stored-value type but also to the server management type. Details will be described below.
[2. configuration example of System ]
First, a configuration of a
The
The
As shown in fig. 1, the
In the configuration of the
The brick-and-
In this embodiment, the brick-and-
The
Note that in the present embodiment, the settlement method refers to, for example, a method of user authentication, a settlement means, and a data encryption method using a terminal. Further, the authentication method refers to a manner of using a PIN code or 3D Secure (3D security) in the case of a credit card type.
[3. Pre-registration processing ]
In this embodiment, the pre-registration is performed before the user makes a settlement in the brick and mortar store. Fig. 2 and 3 are sequence diagrams showing a flow of the preliminary preparation. First, in step S10 of fig. 2, the
In the next step S12, the
In the next step S14, the
In the next step S16, the
In the next step S18, the
In the next step S20, the
After the processing in fig. 2, the processing in fig. 3 is executed. In the process of FIG. 3, the preparation is primarily to provide unique services for a particular brick and mortar store. In step S30, the
In the next step S32, the settlement service provider'
In the next step S34, the
In the next step S36, the
In the next step S38, the
[4. Settlement processing ]
After the preliminary preparation in fig. 2 and 3, the
In the next step S42, the
In the next step S48, the
After the processing in fig. 4, the processing in fig. 5 is executed. In step S50 of fig. 5, the
In the next step S52, the brick-and-
Fig. 6 is a schematic diagram showing a data structure of the inherent ID. As shown in fig. 6, the unique ID is an information set of the settlement amount, the settlement means, the settlement service provider designation code, IDm, the user ID type, the user ID, the user password, and the terminal ID of the
Fig. 7 is a schematic diagram showing an example of a selection screen of the settlement means in the case where settlement is requested in step S50. Fig. 7 illustrates how the screen of the
Fig. 8 is a schematic diagram showing an example of a screen for selecting the type of user ID when the inherent ID is generated in step S54. Fig. 8 illustrates how the screen of the
After step S56 of fig. 5, the process advances to step S58. In step S58, the
In the next step S64, the
As described above, the
Further, the
[5. processing executed in user terminal ]
Fig. 9 is a flowchart showing a process performed in the
In the next step S76, the default "user ID type" and "user ID/password PW" are read. In the case where the "user ID type" and the "user ID/password PW" are changed, another "user ID type" and "user ID/password PW" are set (step S77).
In the next step S78, the settlement means is set as the default "settlement means" as shown in fig. 7. As shown in fig. 7, in a case where the
In the next step S80, it is determined whether the terminal ID of the
After step S84, the process advances to step S86. In step S86, the settlement processing completion is received. After step S86, the process advances to step S88, and the settlement is terminated.
[6. example of data management in settlement gateway ]
Fig. 10 is a schematic diagram showing an example of data management in the
Further, in the example of fig. 10, the user ID type of the user using the settlement service provider B is in the inherent number format. The user ID, the settlement means, and the settlement support information are settlement numbers represented by "XXXXXX", a QR code (registered trademark) format, and a QR code (registered trademark), respectively.
As described above, according to the present embodiment, during shopping in a brick-and-mortar store, settlement can be performed by transmitting an inherent ID from the
The preferred embodiments of the present disclosure have been described in detail above with reference to the drawings, but the technical scope of the present disclosure is not limited to such examples. It is apparent that those skilled in the art of the present disclosure can implement various substitutions or modifications within the scope of the technical idea set forth in the claims. Such replacement or modification is understood to naturally fall within the technical scope of the present disclosure.
Further, the effects described herein are merely illustrative or exemplary and not restrictive. That is, the technology according to the present disclosure may have other effects apparent to those skilled in the art from the description of the present invention, together with or instead of the above-described effects.
Note that the configuration described below also falls within the technical scope of the present disclosure.
(1) An information processing apparatus comprising:
an inherent information acquisition unit that acquires, via the brick-and-mortar store terminal, inherent information about settlement in the brick-and-mortar store generated by the user terminal;
a verification unit that verifies the inherent information; and
a settlement processing unit that transmits the inherent information to a settlement service provider so that the settlement service provider performs settlement processing based on the inherent information.
(2) The information processing apparatus according to the above (1),
wherein the inherent information includes settlement service provider specifying information for specifying a settlement service provider, an
The information processing apparatus further includes a settlement service provider selection unit that selects a settlement service provider based on the settlement service provider specifying information.
(3) The information processing apparatus according to the above (1) or (2),
wherein the inherent information includes terminal identification information of the physical shop terminal, an
The settlement service provider performs settlement processing based on the terminal identification information.
(4) The information processing apparatus according to the above (3), wherein the settlement service provider applies a unique service corresponding to the brick-and-mortar terminal based on the terminal identification information, and performs a settlement process.
(5) The information processing apparatus according to any one of the above (1) to (4), wherein the inherent information includes information on an account of a user using the user terminal and a password of the account.
(6) The information processing apparatus according to the above (5), wherein the inherent information includes information on settlement associated with the account.
(7) The information processing apparatus according to the above (6), wherein the information on settlement is information of a credit card.
(8) The information processing apparatus according to the above (5), further comprising a user authentication unit that authenticates the user based on the information on the account and the password.
(9) The information processing apparatus according to any one of the above (1) to (8), further comprising:
a hash value acquisition unit that acquires, via the brick-and-mortar store terminal, a hash value of the inherent information generated by the user terminal;
wherein the verification unit verifies the inherent information based on the hash value.
(10) An information processing system comprising:
a user terminal generating inherent information on settlement in a brick and mortar store;
a brick-and-mortar terminal installed in a brick-and-mortar store and acquiring the inherent information from the user terminal;
an information processing apparatus includes: an inherent information acquisition unit that acquires the inherent information from the brick and mortar store terminal, a verification unit that verifies the inherent information, and a settlement processing unit that transmits the inherent information to a settlement service provider so that the settlement service provider performs settlement processing based on the inherent information; and
and a settlement service provider terminal which is a terminal of the settlement service provider and performs settlement based on the inherent information.
List of reference numerals
100 settlement gateway
102 user ID authentication unit
104 hash value verification unit
106 settlement service provider selection unit
108 settlement processing unit
200 physical store terminal
300 user terminal
Terminal for 400 settlement service provider
- 上一篇:一种医用注射器针头装配设备
- 下一篇:链接的多个区块链系统