User terminal

Abstract

To notify a user clearly about unavailability of a settlement service due to the occurrence of a system failure or the like related to the settlement service.SOLUTION: A user terminal 10 is configured to display a code image which is read by a store terminal 20 for use in a settlement service, and display, when the settlement service is unavailable, a predetermined message in a display region in which a code image is to be displayed while the settlement service is available. The user terminal 10 is configured to display a captured image, and displays, when the settlement service is unavailable, a predetermined message in a display region in which a code image captured while the settlement service is available is to be displayed.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a technology for electronic payment services. [Background technology]

[0002] So-called barcode payment, in which electronic payment is made using a code image displayed on a user terminal such as a smartphone, is becoming widespread. For example, Patent Document 1 discloses that a code is displayed by starting a payment application on the terminal, and the displayed code is read by a store code reader device and transmitted to a server, where payment processing is performed. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6765483 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in a device that performs electronic payment processing, there are cases where the payment service cannot be provided to the user due to the occurrence of a system failure, etc. In such a case, it is necessary to clearly and promptly notify the user that the payment service is unavailable.

[0005] Therefore, an object of the present invention is to clearly notify a user when a payment service is unavailable due to a system failure or the like related to the payment service. [Means for solving the problem]

[0006] In order to solve the above problems, the present invention provides a user terminal comprising a display unit and a display control unit that displays a code image used for a payment service by being read by a store terminal, and when the payment service is unavailable, the display control unit displays a predetermined message in the display area where the code image should be displayed when the payment service is available.

[0007] In addition, in order to solve the above-mentioned problems, the present invention provides a user terminal comprising: a display unit, an imaging unit, and a display control unit that displays an image captured by the imaging unit on the display unit, and when a payment service is unavailable, the display control unit displays a predetermined message in a display area where a code image captured by the imaging unit should be displayed when the payment service is available. Effect of the Invention

[0008] According to the present invention, when a payment service is unavailable due to a system failure related to the payment service, the user can be clearly notified of this fact. [Brief description of the drawings]

[0009] [Figure 1] 1 is a diagram showing an example of an overall configuration of an information processing system 1 according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a block diagram showing a hardware configuration of a user terminal 10 according to the embodiment. [Diagram 3] FIG. 2 is a block diagram showing a hardware configuration of a payment server device 30 according to the embodiment. [Figure 4] 2 is a block diagram showing an example of a functional configuration of an information processing system 1 according to the embodiment. FIG. [Diagram 5] 11 is a diagram illustrating an example of an image displayed on the user terminal 10 according to the embodiment. FIG. [Figure 6] 11 is a diagram illustrating an example of an image displayed on the user terminal 10 according to the embodiment. FIG. [Figure 7]11 is a diagram illustrating an example of an image displayed on the user terminal 10 according to the embodiment. FIG. [Figure 8] 11 is a diagram illustrating an example of an image displayed on the user terminal 10 according to the embodiment. FIG. [Figure 9] 13 is a flowchart showing an example of an operation of the user terminal 10 according to the embodiment. [Figure 10] 13 is a diagram illustrating an example of an image displayed on a user terminal 10 according to a modified example. FIG. [Figure 11] 13 is a diagram illustrating an example of an image displayed on a user terminal 10 according to a modified example. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] [Present embodiment] FIG. 1 is a diagram showing an example of an information processing system 1 according to the present embodiment of the present invention. The information processing system 1 is a system for electronically making payments in commercial transactions in which a user purchases a product or service at a store. As shown in FIG. 1, the information processing system 1 includes a user terminal 10 carried by a user, a store terminal 20 installed in a store, a payment server device 30 that performs processing related to electronic payment, and a network 2 including a wireless communication network or a wired communication network that communicably connects these. The user terminal 10, the store terminal 20, and the payment server device 30 are all computers capable of communication. More specifically, the user terminal 10 is a computer that can be carried by a user, such as a smartphone, a wearable terminal, or a tablet. The store terminal 20 is a terminal operated at a store, and may be, for example, a computer integrated with a POS (Point of Sales) register or a computer connected to a POS register, or may be a computer called a payment terminal. The payment server device 30 is a computer configured as a server. Note that FIG. 1 shows one each of the user terminal 10, the store terminal 20, and the payment server device 30, but each of them may be multiple.

[0011] In the information processing system 1 configured as above, when a user operates the user terminal 10 to start a payment application program for making an electronic payment, a code image such as a one-dimensional code called a barcode or a two-dimensional code called a QR code (registered trademark) is displayed on the user terminal 10, the displayed code image is read by the store terminal 20 and transmitted to the payment server device 30, which then performs electronic payment processing. This is called a code-presentation payment method.

[0012] Also, in the information processing system 1, a user can operate the user terminal 10 to start a payment application program for electronic payment, have the user terminal 10 read a code image such as a one-dimensional code or a two-dimensional code installed at a store, transmit data corresponding to the read code image from the user terminal 10 to the payment server device 30, and perform electronic payment processing in the payment server device 30. This is called a code reading type payment method.

[0013] 2 is a diagram illustrating an example of the hardware configuration of the user terminal 10. The user terminal 10 is physically configured as a computer including a processor 1001, a memory 1002, a storage 1003, a communication device 1004, an input device 1005, an output device 1006, and a bus connecting these. In the following description, the word "apparatus" can be read as a circuit, a device, a unit, and the like. The hardware configuration of the user terminal 10 may be configured to include one or more of the devices shown in the figure, or may be configured to exclude some of the devices.

[0014] Each function in the user terminal 10 is realized by loading a specific software (program) onto hardware such as a processor 1001 and a memory 1002, causing the processor 1001 to perform calculations, control communications via a communication device 1004, and control at least one of the reading and writing of data in the memory 1002 and the storage 1003.

[0015] The processor 1001, for example, operates an operating system to control the entire computer. The processor 1001 may be configured with a central processing unit (CPU) including an interface with peripheral devices, a control device, an arithmetic unit, a register, etc. Also, for example, a baseband signal processing unit, a call processing unit, etc. may be realized by the processor 1001.

[0016] The processor 1001 reads out programs (program codes), software modules, data, etc. from at least one of the storage 1003 and the communication device 1004 into the memory 1002, and executes various processes according to the programs. The programs used are those that cause a computer to execute at least a part of the operations described below. The functional blocks of the user terminal 10 may be realized by a control program stored in the memory 1002 and running on the processor 1001. The various processes may be executed by one processor 1001, or may be executed simultaneously or sequentially by two or more processors 1001. The processor 1001 may be implemented by one or more chips. The programs may be transmitted from the network 2 to the user terminal 10 via a telecommunications line.

[0017] The memory 1002 is a computer-readable recording medium, and may be composed of at least one of, for example, a Read Only Memory (ROM), an Erasable Programmable ROM (EPROM), an Electrically Erasable Programmable ROM (EEPROM), a Random Access Memory (RAM), etc. The memory 1002 may also be called a register, a cache, a main memory (primary storage device), etc. The memory 1002 can store a program (program code), software modules, etc. that are executable to implement the method according to the present embodiment.

[0018] Storage 1003 is a computer-readable recording medium, and may be composed of at least one of, for example, an optical disk such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disk, a magneto-optical disk (e.g., a compact disk, a digital versatile disk, a Blu-ray (registered trademark) disk), a smart card, a flash memory (e.g., a card, a stick, a key drive), a floppy (registered trademark) disk, a magnetic strip, etc. Storage 1003 may be referred to as an auxiliary storage device.

[0019] The communication device 1004 is hardware (transmission / reception device) for performing communication between computers via at least one of a wired network and a wireless network, and is also called, for example, a network device, a network controller, a network card, a communication module, etc. The communication device 1004 may be configured to include a high-frequency switch, a duplexer, a filter, a frequency synthesizer, etc., in order to realize at least one of, for example, Frequency Division Duplex (FDD) and Time Division Duplex (TDD). For example, a transmission / reception antenna, an amplifier unit, a transmission / reception unit, a transmission line interface, etc. may be realized by the communication device 1004. The transmission / reception unit may be implemented as a transmission unit and a reception unit that are physically or logically separated.

[0020] The input device 1005 is an input device (e.g., a key, a microphone, a switch, a button, an image sensor, etc.) that accepts input from the outside. The output device 1006 is an output device (e.g., a display, an LED lamp, etc.) that performs output to the outside. The input device 3005 and the output device 3006 may be integrated into one (e.g., a touch panel).

[0021] Each device, such as the processor 1001 and the memory 1002, is connected by a bus for communicating information. The bus may be configured using a single bus, or may be configured using different buses between each device.

[0022] The user terminal 10 may also be configured to include hardware such as a microprocessor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a programmable logic device (PLD), a field programmable gate array (FPGA), etc., and some or all of the functional blocks may be realized by the hardware. For example, the processor 1001 may be implemented using at least one of these pieces of hardware.

[0023] Fig. 3 is a diagram showing a hardware configuration of the payment server device 30. The hardware configuration of the payment server device 30 may be configured to include one or more of the devices shown in Fig. 3, or may be configured to exclude some of the devices. In addition, the payment server device 30 may be configured by communicating with a plurality of devices having different housings.

[0024] The payment server device 30 is physically configured as a computer device including a processor 3001, a memory 3002, a storage 3003, a communication device 3004, and a bus connecting these. Each function in the payment server device 30 is realized by loading a predetermined software (program) onto hardware such as the processor 3001 and the memory 3002, causing the processor 3001 to perform calculations, control communication by the communication device 3004, and control at least one of reading and writing of data in the memory 3002 and the storage 3003. The processor 3001, the memory 3002, the storage 3003, the communication device 3004, and the bus connecting these are similar in terms of hardware to the processor 1001, the memory 1002, the storage 1003, the communication device 1004, and the bus connecting these described for the user terminal 10, and therefore description thereof will be omitted. However, the communication device 3004 does not need to be hardware for communicating in accordance with a wireless communication standard, but may be hardware (transmitting / receiving device) for communicating between computers via the network 2 in accordance with any wired communication standard.

[0025] The store terminal 20 includes hardware for implementing a computer, such as a processor, memory, storage, a communication device, an input device, an output device, and a bus connecting these devices. The input device includes at least a scanner that optically reads the code image displayed on the user terminal 10 and an operation device that accepts operations by a store clerk.

[0026] 4 is a block diagram showing a functional configuration of the information processing system 1. In the user terminal 10, the inquiry unit 11 inquires of the payment server device 30 about whether or not the payment service can be used. The timing of this inquiry is when the payment application program is started and when the code image displayed by the execution of the payment application program is refreshed (updated).

[0027] The time of starting the payment application program here is not limited to when it is started in response to an explicit start operation by the user, but also includes, for example, when it is started in response to an instruction from another application program that is being executed, or when it is started in response to the user selecting a link that instructs the start of the payment application program. In other words, when a payment application program for using a payment service is started, when the code image displayed on display unit 14 is updated, or when there is a transition from the execution state of an application program other than the payment application program to the execution state of the payment application program, inquiry unit 11 inquires via network 2 as to whether the payment service is available.

[0028] In response to the inquiry from the user terminal 10, the notification unit 31 of the payment server device 30 notifies the user terminal 10 of a response result including whether or not the payment service is available. In the user terminal 10, the acquisition unit 12 acquires the response result from the payment server device 30.

[0029] The display control unit 13 controls the display unit 14 to display an image. In the above-mentioned code presentation type payment method, the display control unit 13 displays a code image to be read by the store terminal 20 and used for the payment service. If the display control unit 13 determines that the payment service is not available based on the response result acquired by the acquisition unit 12, it displays a predetermined message in the display area where the code image should be displayed when the payment service is available.

[0030] 5 and 6 are diagrams illustrating examples of images displayed on the user terminal 10 according to the embodiment. FIG. 5 illustrates an example of an image displayed when a payment service is available. In this image, a code image C is displayed. Images m1 and m2 correspond to soft buttons for selecting the above-mentioned code presentation type payment method or code reading type payment method.

[0031] On the other hand, Fig. 6 shows an example of an image displayed when the payment service is not available. In this image, the code image C is not displayed, and a predetermined message M is displayed in the display area corresponding to the position where the code image C should be displayed in Fig. 5 to inform the user that the payment service is not available.

[0032] In the code-reading payment method described above, the display control unit 13 performs the following display. Figures 7 and 8 are diagrams illustrating examples of images displayed on the user terminal 10 according to the embodiment. First, when the payment service is available, the display control unit 13 displays an image including a code image CG captured by the imaging unit 15 in a certain display area A, as illustrated in Figure 7. As described above, this code image is installed in advance on the store side.

[0033] On the other hand, when the payment service is unavailable, the display control unit 13 displays a predetermined message M to inform the user that the payment service is unavailable in the display area A where the code image CG should be displayed when the payment service is available, as illustrated in FIG. 8.

[0034] In a device that performs electronic payment processing (payment server device 30 in this embodiment), there are cases where a payment service cannot be provided to a user due to the occurrence of a system failure or the like. In such cases, conventionally, when a user starts a payment application program on a user terminal, the device that performs electronic payment processing notifies the user terminal that the payment service is unavailable, and presents this to the user. Therefore, if a user starts a payment application program before the occurrence of a system failure and a system failure occurs thereafter, there is a problem in that the user cannot immediately know that the payment service is unavailable.

[0035] Even when a system failure or the like is restored and payment services can be provided to users, conventionally, when the user starts a payment application program on the user terminal, the device that performs electronic payment processing notifies the user terminal that the payment service is available, and presents this to the user. Therefore, when a user starts a payment application program after a system failure and finds out that the payment service is unavailable, it is not possible to promptly notify the user that the system failure has been restored.

[0036] In contrast, in this embodiment, as described above, in addition to when the payment application program is started and when the code image displayed by execution of the payment application program is refreshed (updated), the condition of when the payment application program is started is not limited to when the user starts the payment application program in response to an explicit start operation, but also includes, for example, when the payment application program is started in response to an instruction from another application program or an external device, or when the user selects a link that instructs the user to start the payment application program. Therefore, compared to the conventional method, there are more opportunities to inquire about whether or not the payment service can be used, and as a result, it is possible to promptly notify the user that the payment service is not available.

[0037] Furthermore, in the case where the payment service is not available on the user terminal 10, in the code presentation type payment method, a predetermined message is displayed in the display area where the code image C should be displayed if the payment service is available, to inform the user that the payment service is not available. In other words, since the above message is displayed in the display area where the code image should be displayed if the payment service is available, the user clearly recognizes that the payment service is not available.

[0038] In addition, the display area in which the code image should be displayed when the payment service is available and the display area in which a specified message should be displayed when the payment service is not available may at least partially overlap.

[0039] On the other hand, in a code reading type payment method, a predetermined message is displayed in the display area where a captured code image should be displayed if the payment service is available, to inform the user that the payment service is unavailable. In other words, since the message is displayed in the display area where a captured code image should be displayed if the payment service is available, the user clearly recognizes that the payment service is unavailable.

[0040] In addition, the display area in which the captured code image should be displayed when the payment service is available and the display area in which a specified message is displayed when the payment service is not available may at least partially overlap.

[0041] Next, the operation of the information processing system 1 will be described with reference to FIG. 9. In the user terminal 10, the inquiry unit 11 judges whether it is time to inquire of the payment server device 30 about whether or not the payment service can be used (step S11). As described above, the timing for making the inquiry is when the payment application program is started and when the code image displayed by the execution of the payment application program is refreshed (updated). The start of the payment application program is not limited to when it is started in response to an explicit start operation by the user, but also includes, for example, when it is started in response to an instruction from another application program being executed, or when it is started in response to the user selecting a link that instructs the start of the payment application program.

[0042] If it is time to make an inquiry (step S11: YES), the inquiry unit 11 inquires of the payment server device 30 about whether the payment service can be used, and the acquisition unit 12 acquires the response result from the payment server device 30 (step S12).

[0043] The display control unit 13 judges whether or not the payment service is available based on the response result (step S13). If the payment service is available (step S13: YES), the display control unit 13 performs normal processing, that is, displays a code image used for the payment service by being read by the store terminal 20 in the case of a code presentation type payment method, or displays a captured image including a code image CG captured by the imaging unit 15 in the case of a code reading type payment method (step S14). Based on these code images, the payment server device 30 executes processing related to electronic payment.

[0044] On the other hand, if the payment service is available (step S13: NO), in the case of a code presentation type payment method, the display control unit 13 displays a predetermined message in the display area where a code image should be displayed in normal processing, and in the case of a code reading type payment method, the display control unit 13 displays a predetermined message M in the display area corresponding to where a code image should be displayed in normal processing (step S15).

[0045] According to the embodiment described above, the availability of the payment service is confirmed when the payment application program is started and when the code image displayed by the execution of the payment application program is refreshed (updated). The condition of the start of the payment application program here is not limited to when the program is started in response to an explicit start operation by the user, but also includes, for example, when the program is started in response to an instruction from another application program or an external device, or when the user selects a link that instructs the user to start the payment application program. Therefore, compared to the conventional method, there are more opportunities to check whether the payment service is available, and as a result, it is possible to promptly notify the user that the payment service is not available.

[0046] Furthermore, in the case where the payment service is unavailable on the user terminal 10, in the code presentation type payment method, a predetermined message is displayed in the display area where the code image C should be displayed when the payment service is available, to inform the user that the payment service is unavailable. In the code reading type payment method, a predetermined message is displayed in the display area where the captured code image should be displayed when the payment service is available, to inform the user that the payment service is unavailable. This makes it possible to more clearly inform the user that the payment service is unavailable.

[0047] [Variations] The present invention is not limited to the above-described embodiment. The above-described embodiment may be modified as follows. In addition, two or more of the following modifications may be combined and implemented. [Variation 1] In a code reading type payment method, a predetermined message may be displayed only when the code image captured by the user terminal 10 is a code image for payment. That is, when the image capturing unit 15 starts capturing an image, the display control unit 13 displays the image captured by the image capturing unit 15, and determines by image recognition whether or not the code image included in the captured image is a code image used for a payment service, and when it is recognized that the code image is a code image used for a payment service, a predetermined message may be displayed in the display area where the code image was displayed. In this way, a predetermined message can be displayed only when the code image captured by the user terminal 10 is a code image for payment.

[0048] [Variation 2] When the user confirms the payment amount and requests payment in a payment using a code image, the inquiry unit 11 may inquire of the payment server device 30 via the network 2 as to whether or not the payment service is available, and the acquisition unit 12 may acquire the result. Specifically, an image as exemplified in FIG. 10 is displayed on the user terminal 10 to prompt the user to confirm the payment amount A1 and request payment. Then, when the user selects the soft button B "Pay", the inquiry unit 11 inquires via the network 2 as to whether or not the payment service is available, and the acquisition unit 12 acquires the response result. If the response result indicates that the payment service is not available, the display control unit 13 displays a predetermined message M to inform the user that the payment service is not available, as exemplified in FIG. 11. The availability of the payment service can be confirmed according to the user's operation of confirming the payment amount and requesting payment in a payment using a code image. [Variation 3] In a code reading type payment method, it is considered that after the code image captured by the imaging unit 15 is read, a system failure or the like occurs in the payment server device 30, making it impossible to use the payment service. In this case, when the user confirms the payment amount and requests payment in a payment using the code image after the code image captured by the imaging unit 15 is read (for example, FIG. 10), the inquiry unit 11 may inquire the payment server device 30 via the network 2 about whether the payment service is available or not, and the acquisition unit 12 may acquire the response result. If the response result indicates that the payment service is unavailable, the display control unit 13 displays a predetermined message M to inform the user that the payment service is unavailable (for example, FIG. 11). In this way, even if a system failure or the like occurs in the payment server device 30 after the code image captured by the imaging unit 15 is read and the payment service is unavailable, it is possible to more clearly inform the user that the payment service is unavailable.

[0049] [Variation 4] There are cases where one user has concluded contracts with multiple payment services. For example, the multiple payment services are different for each type of credit card. In such a case, the inquiry unit 11 may inquire of the payment server device 30 via the network 2 about whether or not a payment service designated by the user or preset among the multiple payment services is available, and the acquisition unit 12 may acquire the response result.

[0050] In addition, when a single user has concluded service contracts with multiple payment services, the inquiry unit 11 may inquire of the payment server device 30 via the network 2 as to whether or not each of the multiple payment services can be used, and the acquisition unit 12 may acquire the response result.

[0051] In addition, the multiple payment services in the present invention are not limited to those different for each type of credit card as exemplified above, but may be multiple payment services with different payment mechanisms, such as a payment service called barcode payment and a payment service called bill payment, in which payment is made by reading a barcode or QR code (registered trademark) printed on a public utility bill such as electricity or gas bills or a tax bill using the dPay (registered trademark) application. Furthermore, rather than merely determining whether or not a payment service can be used on a payment service basis, it is also possible to determine whether or not a payment service can be used on a partial function basis included in each payment service, on an API (Application Programming Interface) basis in the user terminal 10, or on a payment method basis in a payment service.

[0052] [Other variations] The block diagrams used to explain the above embodiments show functional blocks. These functional blocks (components) are realized by any combination of at least one of hardware and software. The method of realizing each functional block is not particularly limited. That is, each functional block may be realized by using one device that is physically or logically combined, or may be realized by using two or more devices that are physically or logically separated and directly or indirectly connected (for example, by wire, wirelessly, etc.). The functional blocks may be realized by combining the one device or the multiple devices with software.

[0053] Functions include, but are not limited to, judgment, determination, judgment, calculation, computation, processing, derivation, investigation, search, confirmation, reception, transmission, output, access, resolution, selection, selection, establishment, comparison, assumption, expectation, consideration, broadcasting, notifying, communicating, forwarding, configuring, reconfiguring, allocating, mapping, and assignment. For example, a functional block (component) that performs the function of transmission is called a transmitting unit or a transmitter. As described above, there is no particular limitation on the method of realization of either of these.

[0054] For example, the payment server device 30 in an embodiment of the present disclosure may function as a computer that performs the processing of the present disclosure.

[0055] Each aspect / embodiment described in the present disclosure may be applied to at least one of systems using LTE (Long Term Evolution), LTE-A (LTE-Advanced), SUPER 3G, IMT-Advanced, 4G (4th generation mobile communication system), 5G (5th generation mobile communication system), FRA (Future Radio Access), NR (new Radio), W-CDMA (registered trademark), GSM (registered trademark), CDMA2000, UMB (Ultra Mobile Broadband), IEEE 802.11 (Wi-Fi (registered trademark)), IEEE 802.16 (WiMAX (registered trademark)), IEEE 802.20, UWB (Ultra-WideBand), Bluetooth (registered trademark), and other suitable systems, and next-generation systems extended based on these. In addition, a combination of multiple systems (e.g., a combination of at least one of LTE and LTE-A and 5G, etc.) may be applied.

[0056] The order of the steps, sequences, flow charts, etc. of each aspect / embodiment described in this disclosure may be changed unless inconsistent. For example, the methods described in this disclosure present elements of various steps using an example order, and are not limited to the particular order presented.

[0057] The input and output information may be stored in a specific location (e.g., memory) or may be managed using a management table. The input and output information may be overwritten, updated, or added to. The output information may be deleted. The input information may be transmitted to another device.

[0058] The determination may be based on a value represented by a single bit (0 or 1), a Boolean value (true or false), or a numerical comparison (e.g., comparison with a predetermined value).

[0059] Although the present disclosure has been described in detail above, it is clear to those skilled in the art that the present disclosure is not limited to the embodiments described in the present disclosure. The present disclosure can be implemented in modified and altered forms without departing from the spirit and scope of the present disclosure as defined by the claims. Therefore, the description of the present disclosure is intended to be illustrative and does not have any limiting meaning on the present disclosure.

[0060] Software, whether referred to as software, firmware, middleware, microcode, hardware description language, or otherwise, should be construed broadly to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, threads of execution, procedures, functions, etc. Also, software, instructions, information, etc. may be transmitted or received over a transmission medium. For example, if the software is transmitted from a website, server, or other remote source using wired technologies (such as coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL)), and / or wireless technologies (such as infrared, microwave, etc.), then such wired and / or wireless technologies are included within the definition of a transmission medium.

[0061] The information, signals, etc. described in this disclosure may be represented using any of a variety of different technologies. For example, the data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description may be represented by voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, optical fields or photons, or any combination thereof. In addition, terms explained in this disclosure and terms necessary for understanding this disclosure may be replaced with terms having the same or similar meanings.

[0062] Furthermore, the information, parameters, etc. described in this disclosure may be expressed using absolute values, may be expressed using relative values ​​from a predetermined value, or may be expressed using other corresponding information.

[0063] As used in this disclosure, the phrase "based on" does not mean "based only on," unless expressly stated otherwise. In other words, the phrase "based on" means both "based only on" and "based at least on."

[0064] Any reference to an element using a designation such as "first," "second," etc., used in this disclosure does not generally limit the quantity or order of those elements. These designations may be used in this disclosure as a convenient method of distinguishing between two or more elements. Thus, a reference to a first and a second element does not imply that only two elements may be employed or that the first element must precede the second element in some way.

[0065] The "part" in the configuration of each of the above devices may be replaced with "means," "circuit," "device," etc.

[0066] When the terms "include," "including," and variations thereof are used in this disclosure, these terms are intended to be inclusive, similar to the term "comprising." Further, when used in this disclosure, the term "or" is not intended to be an exclusive or.

[0067] In this disclosure, where articles have been added due to translation, such as a, an, and the in English, the disclosure may include that the nouns following these articles are in the plural form.

[0068] In the present disclosure, the term "A and B are different" may mean "A and B are different from each other." The term may also mean "A and B are each different from C." Terms such as "separate" and "coupled" may also be interpreted in the same way as "different." [Explanation of symbols]

[0069] 1: Information processing system, 2: Network, 10: User terminal, 11: Inquiry unit, 12: Acquisition unit, 13: Display control unit, 14: Display unit, 15: Imaging unit, 1001: Processor, 1002: Memory, 1003: Storage, 1004: Communication device, 1005: Input device, 1006: Output device, 20: Store terminal, 30: Payment server device, 31: Notification unit, 3001: Processor, 3002: Memory, 3003: Storage, 3004: Communication device.

Claims

1. A display unit; a display control unit that displays a code image used for a payment service by being read by a store terminal, and when the payment service is unavailable, displays a predetermined message in a display area where the code image should be displayed when the payment service is available; A user terminal comprising:

2. A display unit; An imaging unit; a display control unit that displays an image captured by the imaging unit on the display unit, and when the payment service is unavailable, displays a predetermined message in a display area where the code image captured by the imaging unit should be displayed when the payment service is available; A user terminal comprising:

3. When the imaging unit starts capturing an image, the display control unit displays the image captured by the imaging unit, and when the captured image is a code image used for a payment service, displays the predetermined message in the display area where the code image was displayed.

3. The user terminal according to claim 2.

4. An acquisition unit is provided which, when a payment application program for using a payment service is started, or when a transition is made from an execution state of an application program other than the payment application program to an execution state of the payment application program, inquires via a network whether the payment service is available or not, and acquires the result of the inquiry.

3. The user terminal according to claim 1 or 2.

5. and an acquisition unit that inquires, via a network, whether the payment service is available and acquires the result when the code image displayed on the display unit is updated.

2. The user terminal according to claim 1.

6. and an acquisition unit that inquires via a network whether the payment service is available and acquires the result when a user confirms a payment amount and requests payment in a payment using the code image.

3. The user terminal according to claim 1 or 2.

7. and an acquisition unit that inquires via a network whether the payment service is available and acquires the result when a user confirms a payment amount and requests payment after the code image captured by the imaging unit is read and the user performs an operation to request payment using the code image.

3. The user terminal according to claim 2.

8. If there are multiple payment services, The acquisition unit inquires via a network whether the payment service designated by the user or preset among the plurality of payment services is available, and acquires the result of the inquiry.

3. The user terminal according to claim 1 or 2.

9. If there are multiple payment services, The acquisition unit inquires about whether each of the plurality of payment services is available via a network and acquires the result of the inquiry.

3. The user terminal according to claim 1 or 2.

10. The payment services differ depending on the type of credit card.

3. A user terminal according to claim 1 or 2.

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