Electronic settlement support device, system, method, and program

Abstract

To realize electronic settlement of articles etc. needing age confirmation, at a low cost while utilizing a mechanism of existing electronic settlement, while considering a user's personal information.SOLUTION: An electronic settlement support device comprises: determination means which determines whether or not an age condition is included in settlement object information, when a settlement request including settlement terminal identification information in association with a settlement code, the settlement object information purchased by a user, and user information including user terminal information, settlement means identification information, and the user's age information is received from at least one of a user terminal which has read the settlement code, and a settlement terminal registered in association with the settlement code, by reading the settlement code associated with the settlement terminal, by a camera of the user terminal; and execution means which executes predetermined processing for the settlement object information, based on the user's age information of the user information, when the age condition is included in the settlement object information.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present disclosure relates to an electronic payment support device, system, method, and program.

Background Art

[0002] Patent Document 1 discloses a technique for performing electronic payment using biometric authentication. The user terminal according to Patent Document 1 collates pre-registered personal identification information with the feature amount of the face imaged by a camera, and when it is authenticated that the user is the person himself / herself, a two-dimensional code for payment (hereinafter referred to as "payment code") is displayed. The payment code according to Patent Document 1 includes age information and personal identification information together with payment means identification information. Therefore, the order terminal according to Patent Document 1 photographs the code displayed on the user terminal with a camera, reads the payment means identification information and the like from the code, and performs a payment process.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Here, there are some goods or services subject to electronic payment that require age confirmation. And in order to perform electronic payment using biometric authentication for goods etc. that require age confirmation, for example, when using the technique according to Patent Document 1 described above, age information is uniquely included in the payment code. Therefore, a significant change in the existing electronic payment mechanism is required, and the cost of introducing electronic payment using biometric authentication has been a problem.

[0005] In addition, from the perspective of unauthorized use of personal information and the like, users often do not want to register biometric authentication information such as facial images with a cloud server. However, even such users may find it troublesome to perform age verification every time they purchase a product that requires age verification.

[0006] In view of the above problems, an object of the present disclosure is to provide an electronic payment support device, system, method, and program for realizing electronic payment using biometric authentication considering payment for products etc. that require age verification at low cost while taking into account users' personal information and making use of the existing electronic payment mechanism.

Means for Solving the Problems

[0007] The electronic payment support device according to the present disclosure includes a payment request receiving means for receiving a payment request including payment terminal identification information associated with the payment code, payment target information to be purchased by the user, user terminal information, payment means specifying information, and user information including the user's age information from at least one of the user terminal that has read the payment code and the payment terminal registered in association with the payment code by reading the payment code associated with the payment terminal by a camera of the user terminal; a determination means for determining whether an age condition is included in the payment target information of the received payment request; and an execution means for executing a predetermined process on the payment target information based on the age information of the user in the user information when the age condition is included in the payment target information.

[0008] The electronic payment support system according to the present disclosure includes a user terminal, an electronic payment support device, and a payment terminal. The electronic payment support device reads a payment code associated with the payment terminal by using a camera of the user terminal, and registers the payment terminal information associated with the payment code and user information including the age information of the user registered in the user terminal in association with each other. The payment terminal associated with the payment code reads a payment target purchased by the user. When the electronic payment support device receives a payment request including the payment terminal information and the read payment target information from the user terminal or the payment terminal, the electronic payment support device determines whether an age condition is included in the payment target information. When the age condition is included in the payment target information, a predetermined process for the payment target information is executed based on the age information of the user registered in association with the payment code.

[0009] The electronic payment support method according to the present disclosure is as follows. A computer reads a payment code associated with a payment terminal by using a camera of a user terminal, and receives, from at least one of the user terminal that has read the payment code and the payment terminal registered in association with the payment code, a payment request including payment terminal identification information associated with the payment code, payment target information purchased by the user, user information including user terminal information, payment means identification information, and age information of the user. The computer determines whether an age condition is included in the payment target information of the received payment request. When the age condition is included in the payment target information, a predetermined process for the payment target information is executed based on the age information of the user in the user information.

[0010] The electronic payment support program according to the present disclosure is as follows. By using the camera of the user terminal to read the payment code associated with the payment terminal, at least one of the user terminal that has read the payment code and the payment terminal registered in association with the payment code is used to obtain payment terminal identification information associated with the payment code, payment target information that the user purchases, user terminal information, payment method identification information, and user information including the user's age information. A process of receiving a payment request, a process of determining whether an age condition is included in the payment target information of the received payment request, and when the age condition is included in the payment target information, based on the age information of the user in the user information, A process of executing a predetermined process for the payment target information is caused to be executed by a computer.

Effect of the Invention

[0011] According to the present disclosure, while taking into account the personal information of the user, an electronic payment support device, system, method, and program for realizing electronic payment by biometric authentication considering payment for products that require age confirmation at low cost while utilizing the existing electronic payment mechanism can be provided.

Brief Description of the Drawings

[0012]

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Mode for Carrying Out the Invention

[0013] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings. In each drawing, the same or corresponding elements are denoted by the same reference numerals, and redundant descriptions are omitted as necessary for clarity of explanation.

[0014] FIG. 1 is a block diagram showing the configuration of an electronic payment support device 1 according to an embodiment. The electronic payment support device 1 is an information processing device (for example, a server computer) for supporting a user who carries a user terminal (not shown) to perform an electronic payment at a payment terminal (not shown). Here, it is assumed that a user who intends to use electronic payment has already registered electronic payment means information such as credit card information on the side of the electronic payment support device 1 in advance. Biometric authentication (for example, face authentication of the user) is executed on the user terminal, and the age information of the user registered on the user terminal can be transmitted to the electronic payment support device 1. In the present Embodiment 1, the user terminal (for example, a smartphone) transmits the information of the payment code (for example, QR code (registered trademark)) read by the user terminal and the age information registered on the user terminal to the server via the network, and the server performs age confirmation by associating and registering them.

[0015] "Biometric authentication" is an information process for verifying the authenticity of an individual by comparing pre-registered master biometric information with query biometric information obtained from or input by an individual at the time of authentication, and determining that the degree of match is equal to or greater than a threshold value. Here, "biometric information" is data indicating a set of feature amounts such as a plurality of feature points extracted from an image obtained by photographing at least a part of the user's body and the distances between the feature points. "Master biometric information" is biometric information to be compared with query biometric information in the user's biometric authentication. Also, "query biometric information" is biometric information obtained from the user himself / herself for biometric authentication and is data to be compared with the master biometric information.

[0016] The electronic payment support device 1 is, for example, a server computer, and includes a payment request receiving unit 12, a determination unit 13, and an execution unit 14. The settlement request receiving unit 12, also called the settlement request receiving means, reads the settlement code associated with the settlement terminal by means of the camera of the user terminal, and receives a settlement request from at least one of the user terminal that has read the settlement code and the settlement terminal registered in association with the settlement code. The settlement request includes settlement terminal identification information associated with the settlement code, settlement target information that the user purchases, user information including user terminal information, settlement means identification information, and the user's age information. The electronic settlement support device 1 can register in association the settlement terminal identification information associated with the settlement code (received from the user terminal via the network) and the user information including the age information of the user registered in the user terminal. Specifically, the electronic settlement support device 1 can associate at least the settlement code (or settlement terminal identification information) associated with the settlement terminal (received from the user terminal via the network) with the user's age information and store it in a storage device (not shown).

[0017] The "age information" is information indicating the current age or age range of the user, that is, information indicating the age at the time when the user has successfully completed biometric authentication. The "settlement means identification information" is information for identifying the electronic settlement means used by the user U.

[0018] Note that the storage device may be either built into the electronic settlement support device 1 or connected to the electronic settlement support device 1. The "settlement code associated with the settlement terminal" may be a printed settlement code provided in advance for the settlement terminal, or a digital settlement code issued for each settlement to the settlement terminal and displayed on the display unit of the settlement terminal.

[0019] The determination unit 13, also called the determination means, determines whether an age condition is included in the settlement target information when it receives a settlement request including settlement terminal identification information and settlement target information that the user purchases from the user terminal that has read the settlement code or from the settlement terminal registered in association with the settlement code.

[0020] In some embodiments, in the payment terminal, after the goods or the like to be paid for are read, the payment terminal issues a payment code implicitly including the read payment target information and the payment terminal identification information. In this case, when the user terminal reads the issued payment code with the camera of the user terminal, the user terminal transmits a payment request to the electronic payment support device 1. In this case, the payment request may include the user's age information, user information including the payment means identification information described later, the user terminal identification information, the payment terminal identification information, and the payment target information purchased by the user.

[0021] In other embodiments, in the payment terminal, before the goods to be paid for are read, the payment terminal issues a payment code including the payment terminal identification information, or a printed payment code associated with the payment terminal is prepared. In this case, when the user terminal reads the payment code with the camera of the user terminal, the user terminal transmits a payment request including the user information including the age information (and the payment means identification information described later) and the payment terminal identification information to the electronic payment support device 1. On the other hand, the payment terminal also transmits another payment request including the payment target information to the electronic payment support device 1.

[0022] Note that the payment means identification information may be associated with the user information in advance and registered in the storage unit of the electronic payment support device. In this case, the payment request may not include the payment means identification information.

[0023] Note that the payment terminal may be a manned or unmanned cash register terminal installed in a store or the like, or an automatic vending machine. The "payment target including age conditions" refers to goods that require age confirmation at the time of purchase, such as alcoholic beverages and tobacco. Note that the "payment target" is not limited to goods and may be a service. Also, the payment target information may include one or more payment targets. For example, the determination unit 13 may refer to a product database or the like for each payment target in the payment target information to determine whether the payment target is subject to an age condition. Alternatively, the determination unit 13 may determine whether information indicating a payment target subject to an age condition is included in the payment request.

[0024] The execution unit 14, also referred to as execution means, when the age condition is included in the settlement target information, executes a predetermined process on the settlement target information based on the age information of the user in the user information. The "predetermined process" is, for example, an electronic payment process for the settlement target information, an output of a determination result of the availability of electronic payment for the settlement target subject to the age condition, an output of the settlement result, an electronic payment process excluding the settlement target subject to the age condition from the settlement target information, etc. However, the "predetermined process" is not limited to these.

[0025] FIG. 2 is a flowchart showing the flow of the electronic payment support method according to Embodiment 1. First, the payment request receiving unit 12 reads the payment code associated with the payment terminal by the camera of the user terminal, and receives a payment request from at least one of the user terminal that has read the payment code and the payment terminal registered in association with the payment code. The payment request includes payment terminal identification information associated with the payment code, settlement target information purchased by the user, user terminal information, payment means specification information, and user information including the age information of the user (S11).

[0026] When the determination unit 13 receives a payment request, it determines whether an age condition is included in the settlement target information (S13).

[0027] In step S13, when it is determined that the age condition is included in the settlement target information, the execution unit 14 executes a predetermined process on the settlement target information based on the age information of the user information (S14). Then, the electronic payment support device 1 ends the process of the electronic payment support method. Note that in step S13, when it is determined that the settlement target subject to the age condition is not included in the settlement target information, the electronic payment support device 1 may execute other processes on the settlement target information.

[0028] According to this embodiment, it is possible to realize electronic payment using biometric authentication considering the payment of products etc. that require age confirmation at low cost while utilizing the existing electronic payment mechanism.

[0029] Furthermore, the electronic payment support device 1 includes a processor, a memory, and a storage device as components not shown in the figure. Also, a computer program implementing the processing of the electronic payment support method according to the present embodiment is stored in the storage device. Then, the processor causes the memory to read the computer program and the like from the storage device and executes the computer program. Thereby, the processor realizes the functions of the registration unit 12, the determination unit 13, and the execution unit 14.

[0030] Alternatively, each component of the electronic payment support device 1 may be realized by dedicated hardware. Also, some or all of the components of each device may be realized by general-purpose or dedicated circuitry, processors, etc. or combinations thereof. These may be configured by a single chip or by a plurality of chips connected via a bus. Some or all of the components of each device may be realized by a combination of the above-described circuitry, etc. and a program. Also, as the processor, a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), an FPGA (Field-Programmable Gate Array), a quantum processor (quantum computer control chip), etc. can be used.

[0031] Also, when some or all of the components of the electronic payment support device 1 are realized by a plurality of information processing devices, circuitry, etc., the plurality of information processing devices, circuitry, etc. may be centrally arranged or may be distributed. For example, the information processing devices, circuitry, etc. may be realized in a form in which each is connected via a communication network, such as a client-server system or a cloud computing system. Also, the function of the electronic payment support device 1 may be provided in the form of SaaS (Software as a Service).

[0032] <Some embodiments> FIG. 3 is a block diagram showing the configuration of an electronic payment support system 1000 according to some embodiments. The electronic payment support system 1000 is an information system for assisting a user who purchases goods or receives a paid service at a store or the like in performing an electronic payment using a user terminal and a payment terminal. In particular, the electronic payment support system 1000 assists in appropriately performing an electronic payment for a payment target subject to an age condition. The electronic payment support system 1000 includes user terminals 100-1 and 100-2, a payment terminal 200, and an electronic payment support device 300. Each of the user terminals 100-1 and 100-2, the payment terminal 200, and the electronic payment support device 300 is communicably connected via a network N. Here, the network N is a wired or wireless communication line.

[0033] In the following description, biometric authentication is facial authentication and biometric information is facial feature information. However, other technologies that use a captured image can be applied to biometric authentication and biometric information. For example, the biometric information may use data (feature amounts) calculated from unique physical characteristics of an individual, such as fingerprints, voiceprints, veins, retinas, and patterns of the iris of the pupil. In the following description, the user terminals 100-1 and 100-2 may be simply referred to as "user terminal 100". Also, in the following description, the users U1 and U2 may be simply referred to as "user U".

[0034] User U registers their payment method identification information with the electronic payment support device 300 in advance for electronic payment. Using their user terminal 100 which has successfully completed biometric authentication, User U reads the payment code presented from the store's payment terminal and conducts an electronic payment in cooperation with the payment terminal 200. Here, "electronic payment", also known as cashless payment, targets code-based payments in the merchant-presented mode (MPM) in this embodiment. Code-based payment involves having the user terminal 100 read a payment code such as a barcode or two-dimensional barcode associated with the payment terminal 200, and conducting the payment using the payment method identification information associated with the user terminal. Here, "payment method identification information" is information for identifying the electronic payment method used by User U. "Electronic payment method" includes, for example, payments using credit cards, debit cards, prepaid cards, electronic money, points, electronic cash, virtual currency, wallets, and other electronic values, or deductions from bank accounts. Therefore, "payment method identification information" includes, for example, card information such as credit cards, debit cards, and prepaid cards. Or, "payment method identification information" includes, for example, the identification information of User U such as electronic money, points, electronic cash, virtual currency, wallets, and other electronic values, or bank account information, but is not limited to these.

[0035] User U1 is a person who possesses a personal identification card 41, a credit card 42, and a user terminal 100-1. The personal identification card 41 is a digital identity card such as a driver's license, passport, health insurance card, student ID, or My Number card. The personal identification card 41 is a contactless IC (Integrated Circuit) card capable of short-range wireless communication by a predetermined method. Short-range wireless communication includes, for example, NFC (Near Field Communication), BLE (Bluetooth Low Energy), etc., but is not limited to these. The built-in IC chip (storage medium) of the personal identification card 41 stores personal information 411.

[0036] The personal information 411 includes the face image 412 of the user U1 and the age certification information 413. The face image 412 is an example of biometric information, and may also be face feature information extracted from the face image 412. The face feature information is a feature vector indicating a set of feature amounts such as the distances between respective feature points corresponding to the positions of eyes, nose, mouth, etc. extracted from the face image. The age certification information 413 is information for proving the age information of the payer. The age certification information is, for example, information indicating date of birth, age, etc., but is not limited thereto.

[0037] The credit card 42 is an example of an electronic payment means, and here it is assumed that card information 421 is stored in the built-in IC chip. The card information 421 is information such as credit card information, and is information capable of specifying the credit card, such as credit card number, name, etc.

[0038] The user terminal 100-1 has a built-in storage medium and can communicate by one or more types of short-range wireless communication and other wireless communication. The storage medium stores the user ID 1121, the face image 1122, and the age certification information 1123 in association with each other.

[0039] FIG. 4 is a block diagram showing the configuration of the user terminal 100 according to some embodiments. The user terminal 100 is a mobile information processing device such as a tablet terminal or a smartphone. The user terminal 100 includes a storage unit 110, a memory 120, a communication unit 130, a control unit 140, a display unit 150, and a camera 160.

[0040] The storage unit 110 is an example of a storage device such as a flash memory. The storage unit 110 stores a program 111, user information 112, terminal information 113, and application information 114. The program 111 is a computer program in which a code payment application that realizes personal information registration processing, registration processing of electronic payment means information, settlement code reading processing, settlement processing, etc. according to some embodiments is installed. Note that the user information 112 is stored in the storage unit 110 by the personal information registration processing described later.

[0041] User information 112 is information that associates user ID 1121, face image 1122, and age certification information 1123. User ID 1121 is identification information of user U who carries user terminal 100, and for example, it may be a membership ID of a store. Face image 1122 is either face image 412 obtained from user U's personal identification card 41 or a face image of user U taken during personal information registration processing. Note that face image 1122 is an example of master biometric information and may be the above-described face feature information. Age certification information 1123 is information that certifies information related to age such as the date of birth, age, and generation to which user U belongs. Age certification information 1123 is age certification information 413 obtained from user U's personal identification card 41.

[0042] Terminal information 113 is identification information of user terminal 100. Application information 114 is, for example, identification information of the code settlement application according to this embodiment. Note that application information 114 may be identification information of the above-described program 111.

[0043] Memory 120 is a volatile storage device such as a RAM (Random Access Memory) and is a storage area for temporarily holding information during the operation of control unit 140. Communication unit 130 is a wireless communication interface with network N. Communication unit 130 may be connected to the Internet via a wireless communication network or a mobile phone network. Also, communication unit 130 can perform wireless communication in one or more methods of short-range wireless communication. Specifically, communication unit 130 includes short-range wireless communication IF (InterFace) 131. Short-range wireless communication IF 131 establishes a connection and performs communication with the IF of another device of the same method within a predetermined range according to a predetermined method of short-range wireless communication. The predetermined method may correspond to, for example, standards and methods such as Bluetooth (registered trademark) and BLE (Bluetooth Low Energy), but is not limited thereto.

[0044] The display unit 150 is a screen such as a liquid crystal display or an organic EL (Organic Electro-Luminescence) display. The display unit 150 displays the information instructed by the control unit 140. Also, the display unit 150 may be a touch panel. That is, the display unit 150 performs input / output with the user U. The camera 160 is one or more photographing devices, and according to the operation of the user U or the instruction of the control unit 140, photographs the face of the user U etc., outputs the photographed image to the control unit 140, and also displays the image on the display unit 150.

[0045] The control unit 140 is a processor that controls each component of the user terminal 100, that is, a control device. The control unit 140 causes the memory unit 110 to read the program 111 into the memory 120 and executes the program 111. Thereby, the control unit 140 realizes the functions of the acquisition unit 141, the registration unit 142, the authentication unit 143, the reading unit 144, and the settlement processing unit 145.

[0046] The acquisition unit 141 acquires personal information 411 from the personal identification card 41 with which a short-range wireless communication connection has been established. Specifically, the acquisition unit 141 reads a face image 412 and age certification information 413 from the personal identification card 41. Also, the acquisition unit 141 acquires the information input from the user U via a touch panel or the like. Also, the acquisition unit 141 acquires the image photographed by the camera 160.

[0047] When the face authentication in the personal information registration process is successful, the registration unit 142 determines a user ID, associates the user ID, the face image, and the age certification information, and registers them as user information 112 in the memory unit 110. Also, the registration unit 142 transmits a registration request including the input card information 421, the user ID 1121, the terminal information 113, and the application information 114 to the electronic payment support device 300.

[0048] The authentication unit 143 performs face authentication by comparing the face image 412 obtained from the personal identification card 41 with the face image captured by the camera 160. For example, the authentication unit 143 extracts face feature information from each face image, compares the extracted face feature information with each other, calculates a degree of coincidence, and determines that the face authentication has succeeded when the degree of coincidence is equal to or greater than a threshold value.

[0049] When the biometric authentication by the user terminal is successful, since the user terminal becomes in a state where the payment code can be read, the payment code of the payment terminal 200 can be read by the camera 160 of the user terminal 100.

[0050] During the payment process, the payment processing unit 145 can associate the read payment code (determination means ID) of the payment terminal with the user ID 1121 and the age information 1123 stored in the user terminal and transmit them to the electronic payment support device 300. Specifically, when the face authentication by the user terminal is successful, the payment processing unit 145 generates age information based on the age proof information 1123. Here, the age information is information that specifies the age among the information used for KYC (Know Your Customer). Therefore, the age information does not necessarily have to be the age proof information 1123 itself. In some embodiments, after the user or the store clerk reads the product at the payment terminal, the payment terminal issues a temporary payment code. In this case, the payment code implicitly includes the payment target information regarding the read product and the payment terminal information. Therefore, when the user terminal 100 reads the payment code, the payment processing unit 145 of the user terminal 100 transmits a payment request including the payment target information, the payment terminal identification information, the user ID 1121, and the age information to the electronic payment support device 300.

[0051] In other embodiments, before a user or a store clerk reads an item or the like using a payment terminal, the payment terminal issues a temporary payment code. When the user terminal reads the payment code issued before item reading at the payment terminal 200, the user terminal 100 may send a payment request to the electronic payment support device 300. In this case, the payment processing unit 243 of the payment terminal 200 may also send a payment request including other information to the electronic payment support device 300. Specifically, the payment processing unit 145 of the user terminal 100 sends a payment request including the payment terminal identification information read by the user terminal 100, the payment method identification information, and the age information of the user to the electronic payment support device. On the other hand, the payment processing unit 243 of the payment terminal 200 may send another payment request including the read payment target information and the payment terminal identification information including the payment terminal ID to the electronic payment support device 300.

[0052] Returning to FIG. 3, the description will be continued. The user U2 is a person who carries the user terminal 100-2 and shops at a store or the like. The user terminal 100-2 reads the payment code 115 issued by the payment code issuing process described later or the payment code provided in association with the payment terminal (for example, pasted on the payment terminal). Also, the user U2 puts the item 431 to be purchased at a store or the like into the shopping cart 43 and performs an electronic payment in front of the payment terminal 200 (specifically, using the user terminal). Note that the item code 4310 may be displayed on the item 431 or its package.

[0053] The payment terminal 200 is an information terminal installed in a predetermined physical store and capable of performing code-based payment. The payment terminal 200 may be a so-called self-checkout terminal or a cashier terminal operated by a store clerk.

[0054] FIG. 5 is a block diagram showing the configuration of the payment terminal. The payment terminal 200 includes a storage unit 210, a memory 220, a communication unit 230, a control unit 240, a display unit 250, a start button 260, and a reading device 270.

[0055] The storage unit 210 is an example of a storage device such as a flash memory. The storage unit 210 stores a program 211, terminal information 213, application information 214, a payment code 215, and an expiration date 216. The program 211 is a computer program in which a code payment application that realizes payment code reading processing, payment processing, etc. according to some embodiments is implemented. Note that the payment code 215 and the expiration date 216 are stored in the storage unit 210 by the payment code issuance processing described later.

[0056] The payment code 215 is code information issued by the payment terminal 200 in the payment code issuance processing, and is electronic data that can be used for code payment within the expiration date 216. The payment code 215 does not contain the user's age information in the code. That is, the payment code 215 is information based on the specifications of existing code payment. The payment code 215 is displayed on the display unit 250 as a barcode, a two-dimensional barcode, or the like. The expiration date 216 is information indicating the period during which the payment code 215 can be used for code payment, and is associated with the payment code 215.

[0057] In some embodiments, the payment code 215 is issued by the payment terminal 200 after reading the merchandise. In other embodiments, the payment code 215 is issued by the payment terminal 200 before reading the merchandise. In any embodiment, the payment terminal 200 can issue the payment code alone without interacting with the electronic payment support device 300.

[0058] The memory 220 is a volatile storage device such as a RAM (Random Access Memory), and is a storage area for temporarily holding information during the operation of the control unit 240. The communication unit 230 is a wired or wireless communication interface with the network N. The communication unit 230 may be connected to the Internet via a wireless communication network or a mobile phone network. Also, the communication unit 230 can perform wireless communication in one or more short-range wireless communication methods. Specifically, the communication unit 230 includes a short-range wireless communication IF (InterFace) 231. The short-range wireless communication IF 231 establishes a connection and communicates with the IF of another device of the same method within a predetermined range according to a predetermined method of short-range wireless communication. The predetermined method may correspond to, but is not limited to, standards and methods such as Bluetooth (registered trademark) and BLE (Bluetooth Low Energy).

[0059] The control unit 240 includes a code issuing unit 241, a reading unit 242, a settlement processing unit 243, and an extension processing unit 244.

[0060] The code issuing unit 241 is also called a code issuing means. Each time a user makes a settlement, the code issuing unit 342 temporarily issues a settlement code 215 (for example, a QR code (registered trademark)). In some embodiments, the code issuing unit 241 may issue a settlement code before reading a product at the settlement terminal 200. When the start button 260 is pressed by the user or the like, the code issuing unit 241 temporarily issues a valid settlement code 3132 and displays the issued settlement code 215 on the display unit 250 of the settlement terminal 200. For example, the code issuing unit 241 may generate the settlement code 215 based on at least a part of the issue time, the settlement terminal ID, the terminal information 2113, the application information 214, etc. That is, in this case, the settlement code 215 does not include product information.

[0061] In other embodiments, the code issuing unit 241 may issue a settlement code after the product is read by the settlement terminal 200. For example, the code issuing unit 241 may generate a settlement code 215 based on at least a part of the issue time, the settlement terminal ID, the terminal information 2113, the application information 214, etc., and at least a part of the product information. That is, in this case, the settlement code 215 may include at least a part of the product information.

[0062] The reading unit 242 obtains settlement target information regarding the product to be settled by the user or the store clerk scanning the product code of the product using the reading device 270.

[0063] The settlement processing unit 243 performs various settlement processes based on the read settlement target information. The various settlement processes may include cash payment, credit card payment, electronic payment, etc. In particular, in some embodiments, when the settlement code (or a pre-provided settlement code) issued before the product is read by the settlement terminal 200 is read by the user terminal, the settlement processing unit 243 of the settlement terminal 200 may send a settlement request to the electronic settlement support device 300. In this case, the user terminal 100 may also send a settlement request including other information to the electronic settlement support device 300. Specifically, the settlement processing unit 243 of the settlement terminal 200 may send a settlement request including the read settlement target information and the settlement terminal information including the settlement terminal ID to the electronic settlement support device 300. On the other hand, the settlement processing unit 145 of the user terminal 100 sends another settlement request including the settlement terminal information read by the user terminal 100, the settlement means identification information, and the user's age information to the electronic settlement support device.

[0064] The extension processing unit 244 extends the expiration date of the issued settlement code, the details of which will be described later.

[0065] The display unit 250 is a screen such as a liquid crystal display or an organic EL (Organic Electro-Luminescence) display. The display unit 250 temporarily displays the settlement code. The display unit 250 displays the information instructed by the control unit 240. Also, the display unit 250 may be a touch panel. That is, the display unit 250 performs input / output with the user U. The start button 260 is operated by the user or the like to start settlement using the settlement terminal 200. The start button 260 may be a software button displayed on the touch panel or a physical operation button provided on the settlement terminal.

[0066] The reading device 270 is, for example, a barcode reader or a camera electrically connected to the settlement terminal 200. The reading device 270 can be operated by the user or the store clerk to read the product code. The settlement terminal 200 adds the product information corresponding to the product code 4310 read by the reading device 270 to the settlement target information. In some embodiments, the settlement code 215 is pasted on the settlement terminal 200 as a seal or placed as a printed matter. In this case, the settlement code is not issued every time settlement is made, and the same settlement code is always used. In other embodiments, the settlement terminal 200 displays a digital settlement code issued every time settlement is made by the display unit 250.

[0067] The electronic payment support device 300 is an information processing device that performs registration processing of electronic payment means information, payment processing, etc., which will be described later. FIG. 6 is a block diagram showing the configuration of the electronic payment support device 300 according to some embodiments. The electronic payment support device 300 includes a storage unit 310, a memory 320, a communication unit 330, and a control unit 340. The storage unit 310 is an example of a storage device such as a hard disk or a flash memory. The storage unit 310 stores a payment user DB (DataBase) 311, a product DB 312, a store DB 313, and a program 315. Note that at least a part or all of the payment user DB 311, the product DB 312, and the store DB 313 may be stored in an external storage device connected to the electronic payment support device 300. The program 315 is a computer program in which registration processing of electronic payment means information, payment processing, etc. according to some embodiments are implemented.

[0068] The payment user DB 311 is a database that manages user information, electronic payment means information, etc. for performing appropriate electronic payment for payment target information including a payment target subject to an age condition. In other words, the payment user DB 311 is a database that manages information about the user U who has succeeded in biometric authentication on the user terminal 100. The payment user DB 311 stores the user ID 3111, terminal information 3112, application information 3113, card information 3114, age information 3115, payment code 3116, and expiration date 3117 in association with each other. Each of the user ID 3111, terminal information 3112, application information 3113, and card information 3114 corresponds to each of the above-described user ID 1121, terminal information 113, application information 114, and card information 421.

[0069] The age information 3115 is the age information of the user included in the payment request received from the user terminal 100. As described above, the age information 3115 is information indicating the age or age group of the user U at the time of successful biometric authentication. The age information 3115 may be, for example, the year of birth, the month and year of birth, the date of birth, the age group (teenager, twenties, etc.), the age type flag (adult flag, minor flag, senior flag), etc. Note that the age information 3115 may be the age proof information 1123.

[0070] The payment code 3116 is code information read by the user terminal 100 for the code associated with the payment terminal 200 when the user U makes a payment. The expiration date 3117 is information indicating the period during which the payment code 3116 can be used for code-based payment.

[0071] The product DB 312 is a database of a group of products that are the targets of the payment process by the electronic payment support device 300. The product DB 312 manages the product ID 3121, the product information 3122, and the age condition 3123 in association with each other. The product ID 3121 is the identification information of the product. The product information 3122 is information such as the name and price of the product. The age condition 3123 is information that defines the age condition for permitting payment for products that require age confirmation. The age condition 3123 may be, for example, the threshold age or age group, a conditional expression indicating greater than or equal to the threshold or less than or equal to the threshold, the presence or absence of an age type flag, etc. Note that the configuration of the product DB 312 is not limited to these. Also, the storage unit 310 may include, in addition to the product DB 312, a database that manages a group of services that are the targets of the payment process.

[0072] The store DB 313 is a database of a group of stores where the payment terminals 200 that are communicably connected to the electronic payment support device 300 via the network are installed. The store DB 313 includes the payment terminal information 3131.

[0073] The memory 320 is a volatile storage device such as a RAM (Random Access Memory), and is a storage area for temporarily holding information during the operation of the control unit 340. The communication unit 330 is a communication interface with the network N.

[0074] The control unit 340 is a processor, that is, a control device, which controls each component of the electronic payment support device 300. The control unit 340 causes the memory unit 310 to read the program 315 into the memory 320 and execute the program 315. Thereby, the control unit 340 realizes the functions of the payment request receiving unit 341, the registration unit 342, the specifying unit 343, the determination unit 344, and the execution unit 345.

[0075] The payment request receiving unit 341 is an example of the payment request receiving unit 12 described above. The payment request receiving unit 341 receives a payment request including payment terminal identification information associated with the payment code, payment target information of the goods purchased by the user acquired by the settlement terminal 200, and user information from at least one of the user terminal 100 that has read the payment code and the payment terminal 200 registered in association with the payment code. The user information further includes user information including user terminal information, payment means specifying information, and the user's age information.

[0076] The registration unit 342 performs registration processing of electronic payment means information and registration processing in the payment code issuance processing. Specifically, the registration unit 342 registers the payment terminal identification information associated with the payment code, the payment target information purchased by the user, and the user information in association with each other. When the registration unit 342 receives a registration request including the electronic payment means information of the user U and the user ID, the registration unit 342 registers the electronic payment means information and the user ID included in the registration request in the payment user DB 311 in association with each other. In addition, when the registration unit 342 receives a payment request, the registration unit 342 registers the payment terminal information 3131, the payment code 3116, and the age information 3115 in the payment user DB 311 in association with the user ID 3111 included in the payment request. However, when the received payment request does not include age information, the registration unit 342 may register the issued payment code and the fact that the age has not been confirmed in association with each other.

[0077] When the specific unit 343 receives a settlement request including settlement terminal identification information (settlement code), user information (age information), and the user's settlement target information from the user terminal, it identifies the card information 3114 associated with the user information from the settlement user DB 311. In particular, when the settlement target information includes a settlement target subject to an age condition, the specific unit 343 identifies the age information 3115 and the card information 3114 of the user information included in the settlement request from the settlement user DB 311.

[0078] When the specific unit 343 receives a settlement request including settlement target information and settlement terminal identification information from the settlement terminal, and receives another settlement request including the settlement terminal information (settlement code) read by the user terminal and the user information (age information) from the user terminal, it identifies the card information 3114 associated with the user information. In particular, when the settlement target information includes a settlement target subject to an age condition, the specific unit 343 identifies the age information 3115 and the card information 3114 of the user information included in the settlement request from the settlement user DB 311.

[0079] The determination unit 344 is an example of the determination unit 13 described above. The determination unit 344 determines whether the received settlement request includes age information. Also, at the time of settlement of the user U, when the user terminal 100 reads the settlement code 215 displayed on the settlement terminal 200 after reading the product at the settlement terminal, the determination unit 344 receives a settlement request including the settlement terminal identification information, the settlement target information, the user's settlement means identification information, and the user's age information from the user terminal 100.

[0080] In another embodiment, at the time of settlement of the user U, when the user terminal 100 reads the settlement code 215 displayed on the settlement terminal 200 before reading the product at the settlement terminal, the determination unit 344 receives a first settlement request including the settlement target information of the read product and the settlement terminal identification information from the settlement terminal 200. On the other hand, at the time of settlement of the user U, the determination unit 344 receives a settlement request including the settlement terminal identification information associated with the settlement code read by the user terminal, the user's settlement means identification information, and the user's age information from the user terminal 100.

[0081] The determination unit 344 determines whether the settlement target information included in the received settlement request includes a settlement target subject to an age condition. Specifically, the determination unit 344 refers to the product DB 312 and determines whether an age condition 3123 is associated with each settlement target (for example, product ID 3121) in the settlement target information. Then, when the settlement target information includes a settlement target subject to an age condition, the determination unit 344 determines whether the age information of the user included in the user information included in the settlement request satisfies the age condition. For example, when the age condition is that it is the adult age or older, the determination unit 344 determines whether the age indicated by the age information 3115 of the user U is the adult age or older. And when the age information 3115 indicates the adult age or older, the determination unit 344 determines that the age information 3115 satisfies the age condition.

[0082] The execution unit 345 is an example of the execution unit 14 described above. When the age information 3115 of the user U satisfies the age condition 3123, the execution unit 345 performs an electronic payment process for the settlement target information and returns the settlement result to the user terminal 100 or the payment terminal 200. At this time, the execution unit 345 uses the card information 3114 identified by the identification unit 343 to perform an electronic payment process for the settlement target information. In addition, when the age-unconfirmed indication is associated with the payment code included in the payment request, the execution unit 345 may execute a predetermined process with at least the settlement target subject to the age condition excluded from the electronic payment process. Also, when the age information 3115 does not satisfy the age condition 3123, the execution unit 345 returns to the user terminal 100 or the payment terminal 200 a message indicating that the electronic payment process for the settlement target is not possible.

[0083] (Pre-registration) Next, the pre-registration necessary for using the code settlement according to this embodiment will be described. As a premise, it is assumed that the user information 112 is not registered in the user terminal 100, the settlement code 215 and the expiration date 216 issued every time of settlement are not registered in the settlement terminal 200, and the information regarding the user U1 is not registered in the settlement user DB 311 of the electronic settlement support device 300. First, the user U1 registers his / her user information 112 in the user terminal 100-1 (personal information registration).

[0084] FIG. 7 is a flowchart showing the flow of personal information registration processing in a user terminal according to some embodiments. The user U1 starts a code settlement application in the user terminal 100-1, selects a personal information registration function, and opens a personal information registration screen. Then, the user U1 brings his / her personal identification card 41 close to the user terminal 100-1 and inputs the collation number on the personal identification card 41 into the personal information registration screen. In response to this, the user terminal 100-1 authenticates the brought personal identification card 41 based on the input collation number (S101). For example, the user terminal 100-1 establishes a short-range wireless communication connection with the personal identification card 41 existing within the range of the method supported by the short-range wireless communication IF 131, and collates the collation number recorded on the personal identification card 41 with the input collation number. That is, the user terminal 100-1 authenticates to read the personal information 411 from the personal identification card 41 based on the collation number. Here, for the sake of convenience of explanation, it is assumed that the authentication is successful.

[0085] Next, the user terminal 100-1 reads the personal information 411 from the personal identification card 41 in response to the success of the authentication (S102). That is, the user terminal 100-1 acquires the personal information 411 from the personal identification card 41 via the short-range wireless communication IF 131. It is assumed that the user terminal 100-1 reads at least the face image 412 and the age proof information 413 among the personal information 411 from the personal identification card 41.

[0086] Then, the user terminal 100-1 captures the face of user U (S103). Then, the user terminal 100-1 performs face authentication by comparing the read face image 412 with the captured face image (S104). For example, the user terminal 100-1 detects a face region from the face image 412 and extracts face feature information A (master biometric information) from the face region. Also, the user terminal 100-1 detects a face region from the captured face image and extracts face feature information B (query biometric information) from the face region. Then, the user terminal 100-1 compares the face feature information A and the face feature information B and calculates a degree of match.

[0087] Then, the user terminal 100-1 determines whether or not the face authentication has succeeded (S105). Specifically, the user terminal 100-1 determines whether or not the calculated degree of match is equal to or greater than a threshold value. When the face authentication is successful, that is, when the degree of match is equal to or greater than the threshold value, the user terminal 100-1 determines a user ID 1121 (S106). For example, the user terminal 100-1 may generate the user ID 1121 using at least a part of the personal information 411, the face feature information A, the terminal information 113, etc. Then, the user terminal 100-1 associates and stores the user ID 1121 determined in step S106 with the face image 1122 and the age certification information 1123 read in step S102 (S107). Then, the user terminal 100-1 displays a message indicating that the registration is complete on the screen (S108). On the other hand, when the face authentication fails in step S105, the user terminal 100-1 displays a message indicating that registration is not possible on the screen (S109).

[0088] Next, user U1 registers with the electronic payment support device 300 by associating their card information 421 with the user terminal 100-1 (terminal information 113) and the code payment application (application information 114) (registration of electronic payment means information). Note that the electronic payment support device 300 only needs to register by associating at least user U1 with the electronic payment means information. For example, the user terminal 100-1 may include at least one of the user ID 1121, the terminal information 113, and the application information 114, and the card information 421 in the registration request and send it. Also, the electronic payment support device 300 only needs to register by associating at least one of the user ID 3111, the terminal information 3112, and the application information 3113 with the card information 3114.

[0089] In this way, the face image, which is the biometric information of the user, is stored in the user's own user terminal and not registered in the electronic payment support device (cloud server). Therefore, this system can reduce the concern about unauthorized use of biometric information and promote use by many users.

[0090] FIG. 8 is a sequence diagram showing the flow of the registration process of the electronic payment means information according to the third embodiment. First, the user U1 selects the credit card registration function used for code payment in the code payment application of the user terminal 100-1 to open the credit card registration screen. Then, the user U1 inputs information corresponding to the card information 421 of the credit card 42 to the credit card registration screen of the user terminal 100-1. In response to this, the user terminal 100-1 accepts the input of the card information 421 (S111). Next, the user terminal 100-1 acquires the user ID 1121, the terminal information 113, and the application information 114 from the storage unit 110 (S112). Then, the user terminal 100-1 transmits a registration request including the user ID 1121, the terminal information 113, the application information 114, and the card information 421 to the electronic payment support device 300 via the network N (S113). In response to this, the electronic payment support device 300 receives the registration request from the user terminal 100-1. Then, the electronic payment support device 300 registers the user ID 3111, the terminal information 3112, the application information 3113, and the card information 3114 included in the received registration request in the payment user DB 311 in association with each other (S114).

[0091] Furthermore, the user U1 may have already registered in advance the membership information of the store that uses the code settlement according to the present embodiment in a server on the store side (store server (not shown)) or the like. For example, the store server may have already issued the membership ID of the user U1 in advance. Then, the user terminal 100-1 may register the membership ID acquired from the store server in the storage unit 110. At the same time, the store server may register the name and the like of the user U1 in association with the user ID as membership information. In these cases, in step S106 of FIG. 7, the user terminal 100-1 can determine the pre-issued membership ID as the user ID 1121. Then, in step S114 of FIG. 8, the electronic payment support device 300 registers the user ID 3111 (membership ID) included in the registration request in association with the terminal information 3112, the application information 3113, and the card information 3114 in the payment user DB 311. Further, the electronic payment support device 300 may refer to the membership information of the store server at the time of registration and verify whether the membership ID is valid. Similarly, the electronic payment support device 300 may inquire of a server of a credit card company or the like at the time of registration to verify whether the card information 3114 (electronic payment means information) is valid. Thereby, the membership information (membership ID) and the card information and the like are pre-registered in association with each other. Note that the electronic payment support device 300 may also serve as the store server.

[0092] (Payment Request Processing 1) FIG. 9 is a sequence diagram showing the overall flow of the payment request processing according to some embodiments. First, the user U1 activates the code settlement application on the user terminal 100-1 and selects the payment request function. In response to this, the user terminal 100-1 captures the face of the user U (S201). Next, the user terminal 100-1 collates the face image 1122 registered in the user information 112 with the captured face image and performs face authentication in the same manner as in step S104 described above (S202). Here, for the sake of convenience of explanation, it is assumed that the face authentication is successful.

[0093] When the user terminal 100-1 succeeds in face authentication, it acquires the user ID 1121 and age proof information 1123 registered in the user information 112 (S203). Then, the user terminal 100-1 generates age information based on the age proof information 1123 (S204). For example, the user terminal 100-1 calculates a numerical value indicating the current age of the user U1 from the age proof information 1123. For example, if the user U1 is 30 years old, the user terminal 100-1 calculates the age information "30". As a result, the user terminal becomes in a state where the payment code can be read.

[0094] After that, when the user presses the start button 260 of the payment terminal 200 (S205), the payment terminal 200 shifts to the product reading mode. The user or the store clerk reads the product purchased by the user with the reading device, and the payment terminal 200 acquires the product to be settled (S206). Then, the payment terminal 200 issues a temporary payment code and displays the payment code and the total amount of the products to be purchased on the display unit of the payment terminal 200 (S208). In this case, the issued payment code implicitly includes the payment terminal identification information and the settlement target information regarding the read products and the like. Also, the payment terminal 200 acquires the issued payment code and its expiration date, and stores the payment code 215 and the expiration date 216 in the storage unit 210 in association with each other. And the payment terminal 200 may display the payment code 215 and the expiration date 216 on the screen.

[0095] Next, the user terminal 100-1 reads the payment code displayed on the payment terminal 200 within the expiration date (S210). The user terminal 100-1 transmits a payment request (amount) including the payment terminal information, the settlement target information, the user terminal information (that is, the user ID 1121), the payment means identification information, and the user information including the generated age information to the electronic payment support device 300 via the network N (S212).

[0096] When the settlement process is completed, the electronic settlement support device 300 transmits a settlement completion notice to the settlement terminal 200 (S213). Similarly, when the settlement process is completed, the electronic settlement support device 300 also transmits a settlement completion notice to the user terminal 100-1 (S214).

[0097] (Settlement request processing 2) FIG. 10 is a sequence diagram showing the overall flow of the settlement request processing according to a modification of some embodiments. In this modification, it is different from the example of FIG. 9 in that a settlement code is issued before the commodity is read by the settlement terminal. Hereinafter, overlapping illustrations and descriptions will be omitted as appropriate.

[0098] When the user presses the start button 260 of the settlement terminal 200 (S205), a temporary settlement code is issued and the settlement code is displayed on the display unit of the settlement terminal 200 (S208). In this case, the issued settlement code implicitly includes settlement terminal information but does not include settlement target information. Further, the settlement terminal 200 acquires the issued settlement code and its expiration date, and stores the settlement code 215 and the expiration date 216 in the storage unit 210 in association with each other. Then, the settlement terminal 200 may display the settlement code 215 and the expiration date 216 on the screen.

[0099] Next, the user terminal 100-1 reads the settlement code displayed on the settlement terminal 200 within the expiration date (S210). The user terminal 100-1 transmits a settlement request including settlement terminal identification information, user information (i.e., user ID 1121), settlement means identification information, and generated age information to the electronic settlement support device 300 via the network N (S212). The electronic settlement support device 300 notifies the specified settlement terminal 200 that settlement is possible based on the settlement terminal identification information (S213).

[0100] After that, the payment terminal 200 shifts to the product reading mode by a predetermined operation (for example, pressing a payment button). The user or the store clerk reads the product to be purchased by the user with a reading device, and the payment terminal 200 acquires the products to be paid (S214). The payment terminal 200 transmits another payment request (amount) including payment target information regarding the read product and payment terminal information to the electronic payment support device 300 via the network N (S216). In this way, the payment request information separately transmitted from the user terminal and the payment terminal can be linked using the payment terminal information as a key.

[0101] When the payment process is completed, the electronic payment support device 300 transmits a payment completion notice to the user terminal 100 and the payment terminal 200 (S217).

[0102] FIG. 11 is a diagram showing an example of a payment code display screen 51 according to some embodiments. The payment code display screen 51 shows an example displayed on the payment terminal 200. The payment code display screen 51 includes payment codes 511 and 512 and an expiration date 513. The payment code 511 is an example of a one-dimensional code (barcode), and the payment code 512 is an example of a two-dimensional code. The expiration date 513 indicates the remaining time during which code payment is possible using the payment codes 511 and 512. Note that there may be one or more payment codes. Also, the display content of the payment code display screen 51 is not limited to this.

[0103] In some embodiments, a predetermined payment code may be provided on the payment terminal (for example, pasted on the payment terminal). In this case, the expiration date may be omitted.

[0104] (Payment Process 1) FIG. 12 is a sequence diagram showing the overall flow of a payment process according to some embodiments. Here, it is assumed that the user U2 puts the product 431 to be purchased at a certain store in the shopping cart 43 and arrives in front of the payment terminal 200 for code payment.

[0105] Next, when the user or the store clerk scans the products to be purchased using the reader of the payment terminal, the payment terminal 200 receives the payment target information (S301) and displays the payment target information on its display unit (S302). Note that the payment terminal 200 may receive payment target information for two or more products. The payment terminal 200 may refer to a product DB such as a POS (Point Of Sale) system and acquire product information corresponding to the scanned product code 4310. Then, the payment terminal 200 displays the acquired product information (product name, price information, etc.) of the product on the screen as the payment target information. At this time, the payment terminal 200 may display a payment button together with the payment target information. The payment button is a button for receiving (indicating the intention) the user U2's request for payment of the payment target information.

[0106] The payment terminal 200 issues a payment code 215 and displays the payment code 215 (and the expiration date 216) on the display unit 250 (S303). For example, the payment terminal 200 may issue a payment code when it receives the pressing of the payment button from the user U2.

[0107] After the user successfully completes face authentication using the camera of the user terminal 100-2, the user uses the camera of the user terminal 100-2 to read the payment code of the payment terminal 200 (S3031). The user terminal 100-2 can transmit a payment request including the read payment code (implicitly including payment terminal information and payment target information), the age information of the user registered in the user terminal, and the user information including the payment means identification information, to the electronic payment support device via the network N (S304).

[0108] In response to this, the electronic payment support device 300 executes a payment process (S305).

[0109] (Payment Process 2) FIG. 13 is a sequence diagram showing the overall flow of the settlement process according to a modification of some embodiments. Here, it is assumed that the settlement terminal 200 used by the user U2 or the store clerk has stored therein a settlement code 215 (issued by the above-described settlement code issuance process or predetermined). Then, it is assumed that the user U2 puts the product 431 to be purchased at a certain store into the shopping cart 43 and arrives in front of the settlement terminal 200 for code settlement.

[0110] Therefore, the settlement terminal 200 causes the display unit 250 to display the settlement code 215 (and the expiration date 216) (or the settlement code is pasted) (S301). The user reads the settlement code of the settlement terminal 200 with the camera of the user terminal 100-2 (S3011). The user terminal 100-2 can transmit the read settlement code (settlement terminal information) and user information including the age information of the user registered in the user terminal and the settlement means identification information to the electronic settlement support device 300 via the network (S3012). The electronic settlement support device 300 notifies the settlement terminal 200 that settlement is possible (S3013). Next, when the user or the store clerk scans the product to be purchased with the reading device of the settlement terminal 200, the settlement terminal 200 receives the settlement target information (S302) and displays the settlement target information on its display unit (S303). Note that the settlement terminal 200 may receive settlement target information for two or more products. The settlement terminal 200 may refer to a product DB such as a POS (Point Of Sale) system and acquire product information corresponding to the scanned product code 4310. Then, the settlement terminal 200 displays the product information (product name, price information, etc.) of the acquired product on the screen as the settlement target information. At this time, the settlement terminal 200 may display a settlement button together with the settlement target information. The settlement button is a button for accepting (indicating the intention) that the user U2 requests settlement of the settlement target information. The settlement terminal 200 can transmit another settlement request (amount) including the settlement terminal information and the settlement target information to the electronic settlement support device 300 via the network N (S304).

[0111] For example, when the payment terminal 200 receives a press of the payment button from the user U2, it may send a payment request (amount). In response to this, the electronic payment support device 300 executes a payment process (S305). When the payment process is completed, the electronic payment support device 300 sends the payment result to the payment terminal 200 and the user terminal 100-2 (S306). In response to this, the payment terminal 200 displays the payment result, and the user terminal 100-2 displays the payment result (S307).

[0112] FIG. 14 is a flowchart showing the flow of a payment process in the electronic payment support device 300 according to some embodiments. First, the electronic payment support device 300 receives a payment request from the user terminal 100 via the network N (S311). In the modification shown in FIG. 13, the electronic payment support device 300 may receive separate payment requests from the user terminal and the payment terminal 200. Next, the electronic payment support device 300 identifies the card information 3114 associated with the user information (or user ID) included in the received payment request from the payment user DB 311 (S312). Then, the electronic payment support device 300 determines whether there is a product with an age condition among the payment target information included in the received payment request (S313). Specifically, the electronic payment support device 300 refers to the product DB 312 and determines whether the age condition 3123 is associated with the product ID 3121 of each product in the payment target information. In step S313, if there is no product with an age condition among the payment target information (NO in S313), the electronic payment support device 300 performs step S317.

[0113] On the one hand, in step S313, if there is a product with an age condition among the settlement target information (YES in S313), the electronic payment support device 300 determines whether age information 3115 is associated with the user ID 3111 (or terminal information 3112) registered in the payment user DB 311 (S314). That is, the electronic payment support device 300 determines whether age information 3115 is associated with the user information (user ID, user terminal information) included in the received payment request. If age information 3115 is associated (YES in S314), the electronic payment support device 300 specifies the age information 3115 (S315). Then, the electronic payment support device 300 determines whether the specified age information 3115 meets the age condition 3123 (S316).

[0114] If the age information 3115 meets the age condition 3123, the electronic payment support device 300 uses the specified card information 3114 to execute an electronic payment process for the settlement target information (S317). Then, the electronic payment support device 300 returns the payment result to the user terminal 100 via the network N (S318). In the modification example shown in FIG. 13, the electronic payment support device 300 can return the payment result to the user terminal 100 and the payment terminal 200 via the network N.

[0115] Also, if age information 3115 is not associated in step S314 (NO in S314), or if age information 3115 does not meet the age condition 3123 in step S316 (NO in S316), the electronic payment support device 300 performs step S319. That is, in this case, the electronic payment support device 300 returns to the user terminal 100 via the network N that the electronic payment process for the product with the age condition is not available (S319). In the modification example shown in FIG. 13, the electronic payment support device 300 can return to the user terminal 100 and the payment terminal 200 via the network N that the electronic payment process for the product with the age condition is not available.

[0116] Returning to FIGS. 12 and 13, the description will be continued. The user terminal 100 receives a settlement result from the electronic settlement support device 300 via the network N (S306). Then, the user terminal 100 displays the received settlement result (S307). In the modification shown in FIG. 13, the user terminal 100 and the settlement terminal 200 can receive the settlement result from the electronic settlement support device 300 via the network N (S306). Then, the user terminal 100 and the settlement terminal 200 display the received settlement result (S307).

[0117] FIG. 15 is a diagram showing an example of display of a settlement result according to some embodiments. The settlement result display screen 52a shows an example displayed on the user terminal 100 and / or the settlement terminal 200. The settlement result display screen 52a includes settlement target products 521 and 522, a total amount 523, and an adult confirmation result 524a. The settlement target product 521 indicates an alcoholic beverage called "canned beer A". Therefore, the settlement target product 521 is an example of a settlement target for which an age condition is imposed at the time of settlement. Here, the age condition imposed on the settlement target product 521 shall be equal to or older than the adult age. Also, for the user U2, the age information 3115 is equal to or older than the adult age. Therefore, the adult confirmation result 524a indicates that the age information 3115 of the user U2 is equal to or older than the adult age imposed on the settlement target product 521, and the adult confirmation is "OK". The settlement target product 522 indicates "snack B" and is an example of a settlement target for which no age condition is imposed. The total amount 523 is the total of the amounts of the settlement target products 521 and 522.

[0118] FIG. 16 is a diagram showing an example of the display of the settlement result according to some embodiments. The settlement result display screen 52b shows an example displayed on the user terminal 100 and / or the settlement terminal 200. The settlement result display screen 52b includes a settlement target product 521, an adult confirmation result 524b, and a message 525. In this example, for user U2, the age information 3115 is less than the adult age. Therefore, the adult confirmation result 524b indicates that the age information 3115 of user U2 is less than the adult age imposed on the settlement target product 521, and the adult confirmation is "NG". And the message 525 is an example indicating that electronic settlement processing is not possible for products subject to age conditions.

[0119] In addition, when the age information does not satisfy the age condition, for example, when the age information indicates less than the adult age, the electronic payment support device 300 may execute a predetermined process by excluding at least the settlement target subject to the age condition from the target of the electronic payment process. Specifically, when the age information 3115 of user U2 does not satisfy the age condition 3123 in step S316, the electronic payment support device 300 may perform an electronic payment process on the settlement target information excluding the settlement target subject to the age condition. For example, the electronic payment support device 300 may exclude the settlement target product 521 that requires adult confirmation from the settlement target information and perform an electronic payment process on the settlement target product 522 that does not require adult confirmation. FIG. 17 is a diagram showing an example of the display of the settlement result in such a case. The settlement result display screen 52c shows an example displayed on the user terminal 100 and / or the settlement terminal 200. The settlement result display screen 52c includes a settlement excluded product 521c, a settlement target product 522c, a total amount 523c, and an adult confirmation result 524c. In this example, the adult confirmation result 524c indicates that the age information 3115 of user U2 is less than the adult age imposed on the settlement target product 521, and the adult confirmation is "NG". Therefore, the settlement excluded product 521c illustrates that the alcoholic beverage "canned beer A" has been excluded from the settlement target. And the total amount 523c indicates that the amount of the settlement target product 522 is the total amount.

[0120] Thus, in this embodiment, the same effects as those of the above-described embodiments are achieved. Further, in this embodiment, when the user terminal 100 successfully performs one-to-one biometric authentication between the master biometric information stored therein and the query biometric information extracted from the image captured by the user terminal 100, the user terminal 100 transmits a payment request including the age information of the user at that time to the electronic payment support device. Therefore, the electronic payment support device 300 can receive a payment request from the user terminal on the condition of successful high-precision biometric authentication, and can enhance the reliability of the payment process.

[0121] In addition, the electronic payment support device 300 determines whether the received payment request includes age information. If the age information is not included, the electronic payment support device 300 stores the payment code with a note indicating that the age has not been confirmed. Therefore, even if the payment target information includes a payment target subject to an age condition, the electronic payment support device 300 can prevent the situation where a product subject to an age condition is paid for a user who does not meet the age condition when the age has not been confirmed. Further, the electronic payment support device 300 determines whether age confirmation is required during the payment process, so that it can reduce the process of excessively performing age confirmation when paying for products or the like that do not require age confirmation. Also, a face recognition camera is not required for the payment terminal, and an existing reading device can be used.

[0122] From these facts, it is possible to realize electronic payment using biometric authentication considering payment for products or the like that require age confirmation without significantly changing the mechanism and facilities of existing electronic payment (code payment). Therefore, it can be realized at low cost while utilizing the mechanism and facilities of existing electronic payment.

[0123] In addition, when the age condition indicates adulthood, the electronic payment support device 300 may be called an adult authentication payment center.

[0124] Also, the age condition may be different for each payment target. In that case, the product DB 312 may associate different age conditions 3123 with each product ID 3121. For example, the age condition imposed on a certain product may be 18 years or older, and the age condition imposed on another product may be 65 years or older, etc.

[0125] In addition, the user can use this system without registering biometric authentication information such as a face image with the electronic payment support device (cloud server). Therefore, unauthorized use of personal information can be prevented, and the use by many users can be promoted.

[0126] <Other Embodiments> In other embodiments, the payment terminal is a vending machine. Since a predetermined payment code is attached to the vending machine, the above-described payment code issuance process is not performed. The pre-registration process according to the above-described embodiments is the same as several of the above-described embodiments. In addition, since the configuration of the electronic payment support system is equivalent to the above description, the overlapping illustrations and descriptions will be omitted as appropriate below.

[0127] FIG. 18 is a diagram conceptually explaining the flow of payment processing according to another embodiment. A payment code is attached to the vending machine 200c. That is, the payment code is not issued for each payment, and the payment code associated with the vending machine 200c is always used. FIG. 18 can be said to be a use case in which the payment code issuance process (FIG. 10) is omitted. The vending machine 200c is a device that sells beverages including alcoholic beverages subject to an age condition at the time of purchase. Note that the vending machine 200c may be a device that sells a plurality of types of products including both products subject to an age condition and products not subject to an age condition at the time of purchase.

[0128] As described above, the user terminal 100 performs face authentication processing on the user U. For example, in response to an operation by the user U, the user terminal 100 captures an image of the face of the user U with the camera 160 (S201) and performs face authentication on the user U (S202). Here, for the sake of convenience of explanation, it is assumed that the face authentication is successful. Subsequently, after steps S203 and S204 in FIG. 10, the user terminal 100 shifts to the payment code readable mode. The user U arrives in front of the vending machine 200c and selects the product button of the alcoholic beverage 201 (S302a). The vending machine 200c receives the payment target information. Here, the vending machine 200c determines that the selected alcoholic beverage 201 is a product subject to an age condition. For example, the vending machine 200c may have the presence or absence of an age condition preset for each product button. Also, the vending machine 200c may display product information (product name, price, etc.) of the alcoholic beverage 201, age confirmation display information, and the like. Then, the user U reads the payment code 512 pasted on the vending machine 200c with the camera 160 of the user terminal 100 (S309). Thereby, the user terminal 100 acquires the payment code 512 read by the camera 160, and the user terminal 100 transmits read completion information (payment request) including the user's age information, user ID, payment means identification information, and payment terminal information (payment code 512) to the electronic payment support device 300 (S3091). The electronic payment support device 300 notifies the vending machine 200c that payment is possible (S3092). The vending machine 200c transmits a payment request (amount) including product information (payment target information) regarding the alcoholic beverage and payment terminal information (payment code 512) to the electronic payment support device 300 (S304). The electronic payment support device 300 performs the above-described payment processing (FIG. 14) and returns the payment result to the user terminal 100 and the vending machine 200c (S306). The vending machine 200c outputs the alcoholic beverage 203 according to the received payment result. Note that the user terminal 100 and the vending machine 200c may display the payment result.

[0129] Thus, this embodiment can also achieve the same effects as the above-described embodiments. Further, according to this embodiment, modifications on the side of the existing vending machine can be minimized.

[0130] In addition, in FIG. 18 described above, the order of steps S302a and S309 may be switched. That is, the user U may first read the payment code 512 pasted on the vending machine 200c with the camera 160 of the user terminal 100 (S309), and then select the product button of the alcoholic beverage 201 (S302a).

[0131] Further, the vending machine 200c may be a device that sells one or more types of tobacco, which is an example of a product subject to an age condition at the time of purchase. Since the vending machine 200c is often a dedicated tobacco vending machine, it is not necessary to perform a determination process as to whether the product (any type of tobacco) selected by the user U is a product subject to an age condition.

[0132] <Further Other Embodiments> Further other embodiments are modifications of some of the above-described embodiments. This embodiment will explain update processes such as extension and reissue of the expiration date of the payment code according to the expiration date. The pre-registration process, payment code issuance process, and payment process according to this embodiment are the same as those of some of the above-described embodiments. Since the configuration of the electronic payment support system is equivalent to the above description, duplicate illustrations and descriptions will be omitted as appropriate below.

[0133] The code issuance unit 241 of the payment terminal 200 according to this Embodiment 4 registers the issued first payment code in association with a first expiration date. Then, when the extension processing unit 244 receives a code extension request including the first payment code by the operation of the user, and the reception time point of the code extension request is within the first expiration date associated with the first payment code, the first expiration date is extended to a second expiration date. Thereby, the expiration date can be appropriately extended, and the user U can be notified of the extended expiration date via the display unit 250 of the payment terminal 200.

[0134] (Example: Extension of the Expiration Date of the Settlement Code) In the example, the code of the settlement terminal used by user U1 is described as 200c. Further, the settlement terminal 200c has issued a first settlement code through the above-described pre-registration process and settlement code issuance process, and has stored the first settlement code in association with the first expiration date.

[0135] FIG. 19 is a flowchart showing the flow of the settlement code update process in the settlement terminal 200c according to still another embodiment. First, the settlement terminal 200c displays the first settlement code and the first expiration date in response to an operation by the user U1 or a store clerk (S401).

[0136] FIG. 20 is a diagram showing an example of a settlement code display screen 51c-1 including a code extension button according to still another embodiment. The settlement code display screen 51c-1 includes settlement codes 511 and 512, an expiration date 513c-1, and a code extension button 514c. The expiration date 513c-1 indicates that the first settlement codes 511 and 512 will become invalid after 27 seconds. The code extension button 514c is a button for requesting code extension.

[0137] The user U1 presses the code extension button 514c on the settlement code display screen 51c-1. The settlement terminal 200c receives a code extension request from the user via a touch panel or the like (S402).

[0138] Next, the payment terminal 200c determines whether the time when the code extension request is received is within the first expiration date associated with the first payment code of the code extension request (S403). If it is within the first expiration date (YES in S403), the payment terminal 200c updates the expiration date 216 in the storage unit 210 to a second expiration date obtained by extending the first expiration date (S404). Then, the payment terminal 200c displays the extended second expiration date (S405). If the first expiration date has passed (NO in S403), again, the payment terminal 200c can prompt the user to perform the payment start operation (S205) and the payment code issuance process (S206) via the display unit 250 or the like (S408).

[0139] FIG. 21 is a diagram showing an example of a payment code display screen 51c-2 after extending the expiration date according to still another embodiment. The payment code display screen 551c-2 includes payment codes 511 and 512, an expiration date 513c-2, and a code extension button 514c. The payment codes 511 and 512 are unchanged from the payment code display screen 51c-1 in FIG. 25 described above, and continue to indicate the same codes. The expiration date 513c-2 indicates that the expiration date has been extended from the remaining 27 seconds to the remaining 5 minutes.

[0140] <Other Embodiments> The above-described electronic payment support system 1000 may include a payment agency center that mediates between a payment terminal 200 or the like and an electronic payment support device 300 or the like. The payment agency center can transfer a payment request from the payment terminal 200 to the electronic payment support device 300 and transfer a response from the electronic payment support device 300 to the payment terminal 200. The payment agency center may perform the "determination of whether a payment target subject to an age condition is included in the payment target information" shown in the embodiment. That is, the payment terminal 200 may leave the existing payment request as it is as in Embodiment 2, and the payment agency center may add age confirmation information to the payment request and transmit it to the electronic payment support device 300. For example, the payment agency center refers to an external product DB 312 for each payment target included in the payment target information included in the payment request received from the payment terminal 200, and determines whether a payment target subject to an age condition is included. Then, the payment agency center associates age confirmation information with the product code corresponding to the payment target subject to the age condition and adds it to the payment request. Then, the payment agency center transmits the payment request with the added age confirmation information to the electronic payment support device 300.

[0141] In addition, in the payment process of the electronic payment support device 300, when the expiration date of the payment code has passed, the process may be performed by excluding the payment target subject to the age condition. That is, when the reception time of the payment request is after the first expiration date associated with the payment code included in the payment request, the execution unit 345 may perform a predetermined process by excluding at least the payment target subject to the age condition from the target of the electronic payment process. That is, when the expiration date of the payment code has expired, it is not possible to purchase age-restricted products, but normal products may be made payable.

[0142] In addition, when the execution unit 345 determines that a payment target subject to an age condition is included in the payment target information, the execution unit 345 may provide the age information of the user information included in the payment request to the payment terminal for determining whether the electronic payment for the payment target information is possible.

[0143] Furthermore, multiple types of expiration dates for the payment code may be provided. For example, the first expiration date may be the expiration date of the biometric authentication performed when issuing the payment code, and the second expiration date may be the expiration date of the payment code itself. For example, the expiration date of the biometric authentication may be set to 1 hour, and the expiration date of the payment code itself may be set to 5 minutes.

[0144] Furthermore, in the above-described embodiments, personal authentication (authentication for confirming identity, personal authentication, personal identification processing, etc.) has been described as face authentication, but other biometric authentications using biometric information may also be used. The biometric authentication and biometric information are applicable to other technologies that utilize captured images of a person. For example, as the biometric information, data (feature amounts) calculated from physical characteristics unique to an individual, such as fingerprints, voiceprints, veins, retinas, iris of the pupil, and patterns on the palm of the hand, may be used. Also, for biometric authentication, feature information indicating the physical characteristics of a person may be extracted from a captured image of a part of the user's body, and the extracted feature information may be compared with pre-registered feature information. If the degree of match is equal to or greater than a threshold value, it may be regarded as successful authentication. For example, the biometric authentication may be authentication based on the appearance shape of a person (gait authentication). In that case, the feature information will be information regarding the appearance shape of the person, for example, information indicating features such as body shape, height, and clothing.

[0145] In the above example, when the program is loaded into a computer, it includes a set of instructions (or software code) for causing the computer to perform one or more functions described in the embodiments. The program may be stored in a non-transitory computer-readable medium or a tangible storage medium. By way of example and not limitation, the computer-readable medium or tangible storage medium includes random-access memory (RAM), read-only memory (ROM), flash memory, solid-state drive (SSD), or other memory technologies, CD-ROM, digital versatile disc (DVD), Blu-ray (registered trademark) disc, or other optical disc storage, magnetic cassette, magnetic tape, magnetic disk storage, or other magnetic storage devices. The program may be transmitted on a transitory computer-readable medium or a communication medium. By way of example and not limitation, the transitory computer-readable medium or communication medium includes electrical, optical, acoustic, or other forms of propagated signals.

[0146] Note that the present disclosure is not limited to the above embodiments, and can be appropriately changed without departing from the spirit. Also, the present disclosure may be implemented by appropriately combining each embodiment.

[0147] Some or all of the above embodiments may be described as follows, but are not limited thereto. (Appendix 1) A payment request receiving means for receiving a payment request including payment terminal identification information associated with the payment code, payment target information to be purchased by the user, user terminal information, payment means specifying information, and user information including the user's age information from at least one of the user terminal that has read the payment code and the payment terminal registered in association with the payment code by reading the payment code associated with the payment terminal by a camera of the user terminal; A determination means for determining whether an age condition is included in the payment target information of the received payment request; When the age condition is included in the settlement target information, execution means for executing predetermined processing on the settlement target information based on the age information of the user in the user information An electronic payment support device comprising the same (Appendix 2) The determination means When the age condition is included in the settlement target information, determines whether the age information of the registered user satisfies the age condition The execution means When the age information satisfies the age condition, performs an electronic payment process on the settlement target information and returns the settlement result to the user terminal or the payment terminal The electronic payment support device according to Appendix 1 (Appendix 3) The execution means When the age information does not satisfy the age condition, performs the electronic payment process on the settlement target information excluding the settlement target subject to the age condition The electronic payment support device according to Appendix 2 (Appendix 4) The execution means When the age information does not satisfy the age condition, returns to the user terminal or the payment terminal that the electronic payment process is not possible for the settlement target The electronic payment support device according to Appendix 2 (Appendix 5) The determination means Determines whether age confirmation information indicating that the age condition is included in the settlement target information is included in the received payment request When the age confirmation information is included in the received payment request, determines whether the age information satisfies the age condition The electronic payment support device according to Appendix 2 (Appendix 6) The execution means When the age confirmation information is not included in the received payment request, performs an electronic payment process on the settlement target information and returns the settlement result to the user terminal or the payment terminal The electronic payment support device according to Appendix 5 (Supplementary Note 7) When the age information of the user information included in the payment request indicates an age equal to or greater than the adult age, the determination means determines that the age information satisfies the age condition. When the age information indicates an age less than the adult age, the execution means executes the predetermined process with at least the payment target subject to the age condition excluded from the electronic payment process. The electronic payment support device according to Supplementary Note 1. (Supplementary Note 8) The electronic payment support device according to Supplementary Note 1, further comprising registration means for registering in association with each other the payment terminal identification information associated with the payment code, the payment target information purchased by the user, and the user information. (Supplementary Note 9) The registration means The electronic payment support device according to Supplementary Note 8, further registering in association with each other the payment terminal identification information associated with the payment code, the user information including the age information of the user registered in the user terminal, and the expiration date of the payment code. (Supplementary Note 10) The registration means When receiving a registration request including the electronic payment means information and the user ID of the user, the registration means registers the electronic payment means information and the user ID included in the registration request in the storage device in association with each other. When receiving the payment request including the user ID and the age information in response to the successful biometric authentication by the user terminal, the registration means registers, in the storage device, the payment code and the age information included in the payment request in association with the user ID included in the payment request. When the payment target information read by the payment terminal includes a payment target subject to an age condition, the electronic payment support device further comprises specifying means for specifying the age information and the electronic payment means information associated with the user ID included in the payment request from the storage device. When the specified age information satisfies the age condition, the execution means performs an electronic payment process on the payment target information using the specified electronic payment means information. The electronic payment support device according to Supplementary Note 8. (Appendix 11) Comprising a user terminal, an electronic payment support device, and a payment terminal, The electronic payment support device By reading the payment code associated with the payment terminal using the camera of the user terminal, the payment terminal information associated with the payment code and the user information including the age information of the user registered in the user terminal are registered in association with each other, The payment terminal associated with the payment code reads the payment target purchased by the user, When the electronic payment support device receives a payment request including the payment terminal information and the read payment target information from the user terminal or the payment terminal, it determines whether an age condition is included in the payment target information. If an age condition is included in the payment target information, based on the age information of the user registered in association with the payment code, a predetermined process for the payment target information is executed Electronic payment support system. (Appendix 12) The user terminal is configured to be in a state where the payment code can be read by the camera of the user terminal when biometric authentication in the user terminal is successful. The electronic payment support system according to Appendix 11. (Appendix 13) The payment code associated with the payment terminal is configured to be issued by the payment terminal every time a payment is made. The electronic payment support system according to Appendix 11. (Appendix 14) A computer By reading the payment code associated with the payment terminal using the camera of the user terminal, from at least one of the user terminal that has read the payment code and the payment terminal registered in association with the payment code, the payment terminal identification information associated with the payment code, the payment target information purchased by the user, the user terminal information, the payment means identification information, and the user information including the age information of the user are received, Determine whether an age condition is included in the payment target information of the received payment request, When the age condition is included in the settlement target information, based on the age information of the user in the user information, execute predetermined processing on the settlement target information. Electronic settlement support method. (Appendix 15) By reading, with a camera of a user terminal, a settlement code associated with a settlement terminal, from at least one of the user terminal that has read the settlement code and the settlement terminal registered in association with the settlement code, settlement terminal identification information associated with the settlement code, settlement target information that the user purchases, user terminal information, settlement means identification information, and user information including the age information of the user, perform a process of receiving a settlement request. Perform a process of determining whether an age condition is included in the settlement target information of the received settlement request. When the age condition is included in the settlement target information, based on the age information of the user in the user information, perform a process of executing predetermined processing on the settlement target information. An electronic settlement support program for causing a computer to execute.

[0148] Some or all of the elements (for example, configurations and functions) described in Appendices 2 to 10 that are subordinate to Appendix 1 may be subordinate to the electronic settlement support system of Appendix 11, the electronic settlement support method of Appendix 14, and the electronic settlement support program of Appendix 15 in the same subordinate relationship as Appendices 2 to 10. Some or all of the elements described in any appendix may be applied to various hardware, software, recording means for recording software, systems, and methods.

[0149] As described above, the invention of the present application has been described with reference to the embodiments (and examples), but the invention of the present application is not limited to the above embodiments (and examples). Various changes that can be understood by those skilled in the art can be made to the configuration and details of the invention of the present application within the scope of the invention of the present application.

Explanation of reference numerals

[0150] 1 Electronic settlement support device 12 Payment Request Receiver 13 Determination Unit 14 Execution Unit 1000 Electronic Payment Support System U User U1 User U2 User N Network 100 User Terminal 100-1 User Terminal 100-2 User Terminal 110 Memory Unit 111 Program 112 User Information 1121 User ID 1122 Facial Image 1123 Age Proof Information 113 Terminal Information 114 Application Information 120 Memory 130 Communication Unit 131 Short-Range Wireless Communication IF 140 Control Unit 141 Acquisition Unit 142 Registration Unit 143 Authentication Unit 144 Reading Unit 145 Payment Processing Unit 150 Display Unit 160 Camera 41 Personal Identification Card 411 Personal Information 412 Facial Image 413 Age Proof Information 42 Credit Card 421 Card Information 43 Shopping Cart 431 Commodity 4310 Commodity Code 200 Payment Terminal 210 Memory Unit 211 Program 213 Terminal Information 214 Application Information 215 Payment Code 216 Expiration Date 220 Memory 230 Communication Unit 231 Short-Range Wireless Communication IF 240 Control Unit 241 Code Issuing Unit 242 Reading Unit 243 Settlement Processing Unit 244 Extension Processing Unit 250 Display Unit 260 Start Button 270 Reading Device 300 Electronic Settlement Support Device 310 Storage Unit 311 Settlement User DB 3111 User ID 3112 Terminal Information 3113 Application Information 3114 Card Information 3115 Age Information 3116 Settlement Code 3117 Expiration Date 312 Product DB 3121 Product ID 3122 Product Information 3123 Age Condition 313 Store DB 3131 Settlement Terminal Information 3132 Settlement Code 315 Program 320 Memory 330 Communication Unit 340 Control Unit 341 Settlement Request Receiving Unit 342 Registration Unit 343 Identification Unit 344 Judgment Unit 345 Execution Unit 51 Settlement Code Display Screen 511 Settlement Code 512 Settlement Code 513 Expiration Date 52a Settlement Result Display Screen 52b Settlement Result Display Screen 52c Settlement Result Display Screen 521 Settlement Target Product 521c Excluded Goods for Settlement 522 Goods Subject to Settlement 523 Total Amount 523c Total Amount 524a Adult Confirmation Result 524b Adult Confirmation Result 524c Adult Confirmation Result 525 Message 200b Payment Terminal 300b Electronic Payment Support Device 200c Vending Machine 201 Alcoholic Beverage 202 Reading Device 203 Alcoholic Beverage 300c Electronic Payment Support Device 100c-1 User Terminal 51c-1 Payment Code Display Screen 513c-1 Expiration Date 514c Code Extension Button 51c-2 Payment Code Display Screen 513c-2 Expiration Date 100d-1 User Terminal 51d-1 Payment Code Display Screen

Claims

1. A payment request receiving means for receiving a payment request including payment terminal identification information associated with the payment code, payment target information to be purchased by the user, user terminal information, payment means identification information, and user information including the user's age information, from at least one of the user terminal that has read the payment code by reading the payment code associated with the payment terminal by the camera of the user terminal and the payment terminal registered in association with the payment code; A determination means for determining whether an age condition is included in the payment target information of the received payment request; An execution means for executing a predetermined process on the payment target information based on the age information of the user in the user information when the age condition is included in the payment target information; An electronic payment support device comprising the above.

2. The determination means: When an age condition is included in the payment target information, determines whether the age information of the registered user satisfies the age condition; The execution means: When the age information satisfies the age condition, performs an electronic payment process on the payment target information and returns a payment result to the user terminal or the payment terminal. The electronic payment support device according to Claim 1.

3. The execution means: When the age information does not satisfy the age condition, performs the electronic payment process on the payment target information excluding the payment target subject to the age condition. The electronic payment support device according to Claim 2.

4. The execution means: When the age information does not satisfy the age condition, returns to the user terminal or the payment terminal a message indicating that electronic payment processing is not possible for the payment target. The electronic payment support device according to Claim 2.

5. The determination means: Determines whether age confirmation information indicating that the age condition is included in the payment target information is included in the received payment request; When the age confirmation information is included in the received payment request, determines whether the age information satisfies the age condition. The electronic payment support device according to Claim 2.

6. The execution means: When the age confirmation information is not included in the received payment request, performs an electronic payment process on the payment target information and returns a payment result to the user terminal or the payment terminal. The electronic payment support device according to Claim 5.

7. When the age information of the user information included in the payment request indicates an age equal to or greater than the adult age, the determination means determines that the age information satisfies the age condition. When the age information indicates an age less than the adult age, the execution means executes the predetermined process with at least the payment target subject to the age condition excluded from the target of the electronic payment process. The electronic payment support device according to claim 1.

8. The electronic payment support device according to claim 1, further comprising a registration means for registering in association with each other the payment terminal identification information associated with the payment code, the payment target information purchased by the user, and the user information.

9. The registration means The electronic payment support device according to claim 8, further registering in association with each other the payment terminal identification information associated with the payment code, the user information including the age information of the user registered in the user terminal, and the expiration date of the payment code.

10. The registration means When receiving a registration request including the electronic payment means information and the user ID of the user, the registration means registers the electronic payment means information and the user ID included in the registration request in the storage device in association with each other. When receiving the payment request including the user ID and the age information in response to the successful biometric authentication by the user terminal, the registration means registers the payment code and the age information included in the payment request in the storage device in association with the user ID included in the payment request. When the payment target information read by the payment terminal includes a payment target subject to an age condition, the electronic payment support device further comprises a specifying means for specifying the age information and the electronic payment means information associated with the user ID included in the payment request from the storage device. When the specified age information satisfies the age condition, the execution means performs an electronic payment process for the payment target information using the specified electronic payment means information. The electronic payment support device according to claim 8.

11. Comprising a user terminal, an electronic payment support device, and a payment terminal. The electronic payment support device By reading the payment code associated with the payment terminal by the camera of the user terminal, the electronic payment support device registers in association with each other the payment terminal information associated with the payment code and the user information including the age information of the user registered in the user terminal. The payment terminal associated with the payment code reads the payment target to be purchased by the user, When the electronic payment support device receives a payment request including the payment terminal information and the read payment target information from the user terminal or the payment terminal, it determines whether an age condition is included in the payment target information. When the age condition is included in the payment target information, based on the age information of the user registered in association with the payment code, a predetermined process for the payment target information is executed. Electronic payment support system.

12. The electronic payment support system according to claim 11, wherein the user terminal is configured to be in a state where the payment code can be read by the camera of the user terminal when biometric authentication in the user terminal is successful.

13. The electronic payment support system according to claim 11, wherein the payment code associated with the payment terminal is configured to be issued by the payment terminal each time a payment is made.

14. A computer By reading the payment code associated with the payment terminal using the camera of the user terminal, from at least one of the user terminal that has read the payment code and the payment terminal registered in association with the payment code, the payment terminal identification information associated with the payment code, the payment target information to be purchased by the user, user terminal information, payment means identification information, and user information including the user's age information are received, Determine whether an age condition is included in the received payment target information of the payment request, When the age condition is included in the payment target information, based on the age information of the user in the user information, a predetermined process for the payment target information is executed. Electronic payment support method.

15. A process of receiving a payment request including the payment terminal identification information associated with the payment code, the payment target information to be purchased by the user, user terminal information, payment means identification information, and user information including the user's age information from at least one of the user terminal that has read the payment code and the payment terminal registered in association with the payment code by reading the payment code associated with the payment terminal using the camera of the user terminal, A process of determining whether an age condition is included in the received payment target information of the payment request, When the age condition is included in the settlement target information, a process of executing a predetermined process on the settlement target information based on the age information of the user in the user information, An electronic payment support program that causes a computer to execute.

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