Information processing systems, information processing methods, programs, and settlement intermediary devices

Abstract

This can simplify the payment authentication process. [Solution] A payment intermediary device installed on a mobile device that receives payment procedures from a user's user payment means and executes payment processing from the user to a business operator comprises: a storage unit that stores identifiable intermediary device identification information; a certificate generation unit that generates an intermediary device certificate, which is information that proves the payment intermediary device has the authority to execute payment processing in relation to the business operator, in association with the intermediary device identification information; and a certificate transmission unit that transmits the intermediary device certificate to the payment intermediary device.

Description

Technical Field

[0001] The present invention relates to an information processing system, an information processing method, a program, and a settlement intermediation device.

Background Art

[0002] Conventionally, a settlement system that enables a sales transaction between a seller and a purchaser using a purchaser's mobile communication terminal capable of wireless Internet connection has been known (for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] The settlement system described in Patent Document 1 has an "issuing company server" that manages payment settlement means such as credit cards, electronic money, mobile phone small amount settlement, and account transfer. Further, the settlement system has a "purchasing company server" that performs settlement approval and purchasing and settlement with franchise stores. Further, the settlement system has a "payment server" that provides authentication and settlement services.

[0005] When the payment server receives the mobile communication terminal number of the purchaser and the settlement information including the transaction purchase information from the terminal of the seller, it executes confirmation of whether the user subscribes to the authentication service with the issuing company server.

[0006] First, the payment server transmits a message to the buyer's mobile device containing URL information for connecting to the payment server. The payment server then receives user payment authentication information from the buyer's mobile device, such as a password, PIN, or chip authentication cryptogram. The payment server requests payment authentication by sending payment information, including the received payment authentication information and purchase information, to the issuing company server.

[0007] The issuing company server performs authentication for the transaction in response to a payment authentication request. The issuing company server performs an authentication process that compares the payment authentication information with pre-registered payment authentication information. The issuing company server sends the authentication result of the authentication process to the payment server.

[0008] When the payment server obtains the authentication result from the issuing company server, it transmits the authentication result and the payment information received from the seller's terminal to the buying company server. The buying company server then performs payment authorization based on the authentication result.

[0009] However, in the payment system described in Patent Document 1, the amount of information processing required for sending and receiving data and authentication processing between each of the multiple servers and the seller's terminal becomes excessive during the payment authentication process.

[0010] Therefore, the present invention aims to simplify the payment authentication process. [Means for solving the problem]

[0011] An information processing system according to one aspect of the present invention includes a storage unit that stores identifiable intermediary device identification information for a payment intermediary device installed on a mobile device that receives payment procedures from a user's user payment means and executes payment processing from the user to a business operator, a certificate generation unit that generates an intermediary device certificate which is information that proves the payment intermediary device has the authority to execute payment processing in relation to the business operator in association with the intermediary device identification information, and a certificate transmission unit that transmits the intermediary device certificate to the payment intermediary device.

[0012] An information processing method according to one aspect of the present invention involves a computer storing information about a payment intermediary device that can identify a payment intermediary device installed on a mobile device, which receives payment procedures from a user's payment means and performs payment processing from the user to a business operator; generating a payment intermediary device certificate, which is information that proves the payment intermediary device has the authority to perform payment processing in relation to the business operator, in association with the payment intermediary device identification information; and transmitting the payment intermediary device certificate to the payment intermediary device.

[0013] A program according to one aspect of the present invention causes a computer to store intermediary device identification information that can identify an intermediary device installed on a mobile device, which receives payment procedures from a user's user payment means and executes payment processing from the user to a business operator; generate an intermediary device certificate, which is information that proves the payment intermediary device has the authority to execute payment processing in relation to the business operator, in association with the intermediary device identification information; and transmit the intermediary device certificate to the payment intermediary device.

[0014] A payment intermediary device according to one aspect of the present invention is a payment intermediary device installed on a mobile device that receives a payment procedure from a user's user payment means and executes a payment processing from the user to a business operator, and comprises a verification result acquisition unit that acquires from a predetermined server device the verification result that the payment intermediary device and the business operator's business operator device are capable of executing the payment processing based on an intermediary device certificate which is information that proves that the intermediary device has the authority to execute the payment processing in relation to the business operator, a payment information acquisition unit that acquires payment information indicating the user's payment details, a processing information acquisition unit that acquires from the user information for executing the payment processing based on the acquisition of the payment information, and an execution request transmission unit that transmits an execution request to cause a payment business operator to execute the payment indicated by the payment details. [Effects of the Invention]

[0015] According to the present invention, the authentication process for payments can be simplified. [Brief explanation of the drawing]

[0016] [Figure 1] This figure shows an example of the configuration of the payment intermediation system according to this embodiment. [Figure 2] This diagram shows the configuration of the intermediary device database D101. [Figure 3] This diagram shows the structure of the business database D102. [Figure 4] This figure shows an example of the configuration of a settlement intermediation system relating to the first modified example. [Figure 5] This figure shows an example of the configuration of a settlement intermediation system related to the second modified example. [Figure 6] This is a flowchart of the payment intermediation system's processing. [Figure 7] This figure shows an example of a hardware configuration. [Modes for carrying out the invention]

[0017] Referring to the accompanying drawings, a preferred embodiment of the present invention will be described. FIG. 1 is a diagram showing an outline of processing in a settlement mediation system 10 according to an embodiment of the present invention.

[0018] ===Outline of the Settlement Mediation System 10 According to the Present Embodiment=== The settlement mediation system 10 is a system that enables settlement between a user and a merchant to be settled through a device (hereinafter referred to as the "settlement mediation device 200") provided in a mobile body that mediates the user's settlement. That is, the settlement mediation system 10 enables settlement from the user to the settlement merchant by the user settlement means (hereinafter referred to as the "user settlement means 400") via the settlement mediation device 200 without the user directly performing settlement procedures with the device of the merchant to be settled (hereinafter referred to as the "merchant device 300").

[0019] Thereby, the settlement mediation system 10 can eliminate restrictions in settlement means (such as credit card brands and fund transfer operators) and settlement procedures (such as direct procedures to the settlement terminal of a store) that depend on the settlement device of the merchant to be settled, for example, and thus can improve the convenience for the user.

[0020] The mobile body is, for example, various automobiles such as private cars, taxis, freight carriers or self-driving cars, various robots such as drones and delivery robots, bicycles / share bikes, electric kick scooters, motorcycles, etc.

[0021] The merchant to be settled (hereinafter simply referred to as the "merchant") is, for example, a store operator or store group, a passenger or freight / cargo transportation operator, a mobile device management operator, an administrator of various infrastructures, etc.

[0022] The various infrastructures are, for example, facilities that supply power to automobiles and drones (including running power supply facilities), traffic lights, gates such as parking lots and toll roads, parking space facilities, etc.

[0023] The user payment method 400 is, for example, a payment method such as smartphone code payment (including transportation-related payment methods, retail-related payment methods, etc.) or a credit card. The user payment method 400 may also have, for example, a function to display a readable code (e.g., a two-dimensional code), a function to transmit a device ID via NFC, UWB, or BLE communication, etc.

[0024] A payment service provider is a business capable of processing payments using user payment methods 400. Examples of payment service providers include credit card companies, money transfer companies, and transportation companies.

[0025] <<Overview of the structure>> Referring to Figure 1, an overview of the configuration of the payment intermediation system 10 will be described. Figure 1 is a diagram showing an example of the configuration of the payment intermediation system 10 according to this embodiment.

[0026] The payment intermediation system 10 includes, for example, a payment platform 100, a payment intermediation device 200, and a business operator device 300.

[0027] The payment platform 100 has a function to authenticate that, for example, the payment intermediary device 200 and the business device 300 are payment-capable devices, and enables users to make payments to businesses using the user payment means 400. The payment platform 100 may be, for example, a cloud computer, a server computer, a personal computer (e.g., desktop, laptop, tablet, etc.), a media computer platform (e.g., cable, satellite set-top box, digital video recorder), a handheld computer device (e.g., PDA, email client, etc.), or other types of computers or communication platforms.

[0028] The payment intermediary device 200 is a device that has the function of receiving payment procedures from the user's user payment means (hereinafter referred to as "user payment means 400"). Specifically, if the mobile device is a car, the payment intermediary device 200 is a device that includes a dashboard and a credit card reader installed inside the car, and is equipped with a payment interface that receives the procedure for executing a payment by the user payment means 400. In other words, the payment intermediary device 200 is a device that enables the user to execute a payment to the business operator as a payment terminal without requiring the user payment means 400 to perform a procedure to the business operator's payment terminal.

[0029] The payment interface can be any of the following communication interfaces: NFC (Near Field Communication), QR codes, EMV chips, magnetic readers, ID / password input, UWB (Ultra Wide Band), BLE (Bluetooth Low Energy) (registered trademark), etc.

[0030] The business operator equipment 300 is, for example, equipment that includes a payment-enabled device. Examples of business operator equipment 300 include POS (Point of Sales), payment terminals, store systems, drive-through ordering machines, parking fee collection machines, gas station fuel dispensers and EV chargers, and toll collection machines for toll roads, etc.

[0031] The payment platform 100, the payment intermediary device 200, and the business operator device 300 are each connected to each other so as to be able to communicate with one another, for example, via a communication network N10. The communication network N10 includes mobile phone networks, wireless LAN (Local Area Network), LTE (Long Term Evolution), wired LAN, Wi-Fi, Bluetooth (registered trademark), NFC, BLE, UWB communication, and cloud-based connections via the display and reading of two-dimensional codes.

[0032] <<Process Overview>> Referring to Figure 1, the overview of the processing of the payment intermediation system 10 will be explained. The following processing can be envisioned, for example, as the process from when a business operator completes a payment at a drive-through store.

[0033] First, the payment platform 100 stores in the storage unit 101 identification information that can identify the payment intermediary device 200 (hereinafter referred to as "intermediary device identification information") and identification information that can identify the business operator or business operator device 300 (hereinafter referred to as "business operator identification information").

[0034] Next, the payment platform 100 stores a certificate (hereinafter referred to as the "intermediary device certificate") in the storage unit 101 in association with the intermediary device identification information. The payment platform 100 also stores a certificate (hereinafter referred to as the "business operator certificate") in the storage unit 101 in association with the business operator identification information. Then, the processing from step S10 onward is executed.

[0035] The certificate is information that proves that the device is capable of executing payments using the user payment method 400. The certificate may be, for example, an electronic certificate or data with an electronic signature, or it may be key information for a public-key cryptography scheme.

[0036] Furthermore, the above process may be carried out in the payment platform 100, based on the acquisition of device registration requests from the payment intermediary device 200 and the business operator device 300, by storing identification information that can identify each device in the storage unit 101, and associating certificates with each piece of identification information and storing them in the storage unit 101.

[0037] In step S10, the payment platform 100 may send the intermediary device certificate to the payment intermediary device 200 and the business operator identification information to the business operator device 300.

[0038] In step S11, the payment intermediary device 200 establishes communication with the business device 300 when, for example, a mobile device (e.g., a car) on which the payment intermediary device 200 is installed approaches the business's store. At this time, the payment intermediary device 200 sends a request to the payment platform 100 to verify the intermediary device certificate (hereinafter referred to as the "intermediary device verification request"). Similarly, the business device 300 sends a request to the payment platform 100 to verify the business certificate (hereinafter referred to as the "business verification request").

[0039] In step S12, the payment platform 100 verifies the intermediary device certificate in the storage unit 101 based on the intermediary device verification request. The payment platform 100 also verifies the business operator certificate in the storage unit 101 based on the business operator verification request. The payment platform 100 may store in the storage unit 101 the result of verifying that the payment intermediary device 200 is capable of performing payment-related processing in relation to the business operator device 300 (or business operator) (for example, by verifying the electronic certificate) (hereinafter referred to as the "verification result").

[0040] However, the process is not limited to the above. For example, in step S11, the settlement intermediary device 200 may send an intermediary device verification request to the business device 300, and the business device 300 may send a business device verification request to the settlement intermediary device 200. In this case, in step S12, for example, the settlement intermediary device 200 may verify the business device certificate (for example, whether the key information is consistent), and the business device 300 may verify the intermediary device certificate (for example, whether the key information is consistent). Hereinafter, this process will be referred to as the "business device collaboration process".

[0041] In step S13, if the payment platform 100 verifies that the payment intermediary device 200 is capable of performing payment-related processing in relation to the business device 300 (or business), it obtains information indicating the user's payment details (hereinafter referred to as "payment information") from the business device 300.

[0042] In step S14, the payment platform 100 transmits payment information to the payment intermediary device 200.

[0043] In step S15, the payment intermediary device 200 displays payment information on the display unit 1007. The display unit 1007 of the payment intermediary device 200 displays, for example, the payment amount, the product name and business name related to the payment. When the payment intermediary device 200 receives a payment procedure from the user's user payment means 400, it sends a request to the payment business operator to execute the payment (hereinafter referred to as the "execution request") to the payment platform 100. For convenience, the payment procedure from the user's payment means 400 will be referred to as the "payment request" below.

[0044] In step S16, the payment platform 100 requests the payment service provider to execute the payment process based on the payment information.

[0045] Thus, with the payment intermediation system 10, for example, the user can complete the payment within the vehicle (mobile vehicle) without having to directly perform the procedure at the store's payment terminal. Furthermore, if the mobile vehicle is, for example, a delivery company's drone or autonomous vehicle (in the case of adopting the second payment method described later, in which the business equipment 300 does not necessarily exist), the user can complete the payment to the business by performing a cash-on-delivery transaction with the payment intermediation device 200 installed in the drone or autonomous vehicle.

[0046] In other words, the payment intermediation system 10 enables users to make payments to businesses without requiring the payment intermediation device 200, which is installed on a mobile device that is not necessarily owned by the user making the payment, to store the user's personal information. This can be seen as equivalent to turning the mobile device itself into a payment terminal for the business, and is a mechanism unlike anything before.

[0047] ===Payment Platform 100=== The payment platform 100 will be described with reference to Figure 1. As shown in Figure 1, the payment platform 100 includes, for example, a storage unit 101, an acquisition unit 102, a certificate generation unit 103, a certificate transmission unit 104, a verification unit 105, a payment information transmission unit 106, and a payment request unit 107.

[0048] The storage unit 101 stores various types of information. For example, the storage unit 101 includes an intermediary device database D101 and a business operator database D102.

[0049] Referring to Figure 2, the intermediary device database D101 will be described. Figure 2 is a diagram showing the configuration of the intermediary device database D101. The intermediary device database D101 stores information about the settlement intermediary device 200 and stores information necessary when executing settlement-related processing.

[0050] As shown in Figure 2, the intermediary device database D101 includes items such as [Device ID], [IF], [Payment Type], [Administrator], [Identification Information], [Connection Method], [Payment Method], [Intermediary Device Certificate], [Business Operator], [Business Operator Collaboration Method], and [Business Operator Authentication Method].

[0051] [Device ID] is an item that stores identification information that uniquely identifies the payment intermediary device 200.

[0052] [IF] is an item that stores information about the interface for making payments in the payment intermediary device 200. Specifically, [IF] stores the communication type, such as NFC, 2D code, EMV chip, magnetic reader, ID / PW input, UWV, and BLE.

[0053] [Payment Type] is an item that stores information such as the type of payment brand, the type of money transfer service provider, and the type of points.

[0054] The [Administrator] field stores attribute information of the administrator (individual or corporation) of the payment intermediary device 200.

[0055] [Identification Information] is an item that stores identification information of the settlement intermediary device 200, such as the device's individual number or Identifier.

[0056] The [Connection Method] field stores the connection method between the payment intermediary device 200 and the payment platform 100, such as via the internet or using an SDK.

[0057] The [Payment Method] field stores information that identifies whether the payment method is one in which the payment intermediary device 200 directly settles the payment by linking the store device (which is the business device 300) with a certificate (hereinafter referred to as the "first payment method"), one in which the payment intermediary device 200 independently settles the payment while the store device (which is the business device 300) is linked with the business (hereinafter referred to as the "second payment method"), or one in which the payment method is made through the store device in conjunction with the store device (which is the business device 300) (hereinafter referred to as the "third payment method").

[0058] In the settlement intermediation system 10 according to the first embodiment, the settlement processing using the "first settlement method" will be explained. The "second settlement method" will be explained in the settlement intermediation system 10 relating to the first modification. The "third settlement method" will be explained in the settlement intermediation system 20 relating to the second modification.

[0059] [Intermediary Device Certificate] is the item that stores the intermediary device certificate.

[0060] [Business Operator] is an item referenced by the settlement intermediary device 200 when executing "business operator linkage processing". [Business Operator] stores information about the business operator, such as the type of business operator's store, information about stores and store groups, identification information for the business operator and its stores, and identification information for the business operator device 300.

[0061] The [Trader Integration Method] is an item referenced by the payment intermediary device 200 when executing the "Trader Integration Process". The [Trader Integration Method] stores information such as various communication types like UVB and BLE, integration setup using a two-dimensional code, or via the internet.

[0062] The [Business Operator Authentication Method] is an item referenced by the payment intermediary device 200 when executing the "Business Operator Linkage Process". The [Business Operator Authentication Method] stores the method for authenticating various certificates and public keys.

[0063] Referring to Figure 3, the business operator database D102 will be explained. Figure 3 is a diagram showing the configuration of the business operator database D102. The business operator database D102 stores information about the business operator device 300 and stores information necessary for executing payment processing.

[0064] As shown in Figure 3, the business database D102 includes items such as [Device ID], [IF], [Intermediary Settlement Type], [Administrator], [Identification Information], [Connection Method], [Settlement Method], [Business Certificate], [Business], [Business Partnership Method], and [Business Authentication Method].

[0065] [Device ID] is an item that stores identification information that can uniquely identify the operator's device 300.

[0066] [IF] is an item referenced in the "Third Payment Method" described above. [IF] stores information about the interface for payment in the payment intermediary device 200 that receives payment requests from the user payment means 400. Specifically, [IF] stores communication types such as NFC, 2D code, EMV chip, magnetic reader, ID / PW input, UWV, and BLE.

[0067] [Payment Type] is an item referenced in the "Third Payment Method" (Payment Intermediation System 10b related to the Second Modified Example) described above. [Payment Type] stores the type of payment brand, the type of money transfer service provider, the type of points, etc.

[0068] The [Administrator] field stores attribute information of the administrator (individual or corporation) of the business device 300.

[0069] [Identification Information] is an item that stores identification information for the operator's device 300, such as the device's individual number or Identifier.

[0070] The [Connection Method] field stores the connection method between the business device 300 and the payment platform 100, such as via the internet or using an SDK.

[0071] The [Payment Method] field stores information that identifies whether or not the "Third Payment Method" described above is being used.

[0072] [Business Certificate] is the field where the business certificate is stored.

[0073] [Intermediary device] is an item referenced by the business device 300 when executing "business operator collaboration processing". [Intermediary device] stores information about the payment intermediary device 200, such as the type of mobile device on which the payment intermediary device 200 is installed (e.g., automobile or drone), and identification information of the payment intermediary device 200.

[0074] The [Intermediary Device Interoperation Method] is an item referenced by the carrier device 300 when executing the "carrier interoperation process". The [Intermediary Device Interoperation Method] stores information such as various communication types like UVB and BLE, interoperation setup using a two-dimensional code, or via the internet.

[0075] The [Intermediary Device Authentication Method] is an item referenced by the business device 300 when executing "business cooperation processing". The [Intermediary Device Authentication Method] stores the method for authenticating various certificates and public keys.

[0076] The acquisition unit 102 acquires various information from various devices. Specifically, the acquisition unit 102 acquires an intermediary device verification request from the settlement intermediary device 200. The acquisition unit 102 also acquires a business verification request from the business device 300. The acquisition unit 102 also acquires settlement information from the business device 300. Furthermore, the acquisition unit 102 (execution request acquisition unit) acquires an execution request from the settlement intermediary device 200.

[0077] The certificate generation unit 103 generates an intermediary device certificate for the settlement intermediary device 200 in association with the intermediary device identification information. The certificate generation unit 103 also generates a business certificate for the business device 300 in association with the business identification information. The certificate generation unit 103 stores the generated certificates in the storage unit 101. As a result, the settlement intermediary system 10 can centrally manage certificates, enabling it to expedite user settlement processing with a simple system configuration.

[0078] The certificate transmission unit 104 transmits the intermediary device certificate to the settlement intermediary device 200 and the business certificate to the business device 300. Note that since the certificate transmission unit 104 is a functional unit that operates when "business linkage processing" is performed, the settlement platform 100 does not need to have the certificate transmission unit 104 if it is to verify the certificate at the settlement platform 100 without performing business linkage processing.

[0079] The verification unit 105 verifies, based on the intermediary device certificate and the business operator certificate, whether the settlement intermediary device 200 and the business operator device 300 (or business operator) are in a relationship that allows them to perform settlement-related processing.

[0080] Specifically, the payment intermediation system 10 detects, for example, that communication has been established between the payment intermediation device 200 and the business device 300 when a mobile body equipped with the payment intermediation device 200 approaches the business device 300 (for example, when the mobile body approaches the business's store in a way that allows communication between the payment intermediation device 200 and the business device 300). At this time, the verification unit 105 refers to the intermediation device database D101 and the business database D102 and verifies, for example, based on the intermediation device certificate and business certificate, which are electronic certificates, whether the payment intermediation device 200 and the business device 300, whose communication has been established, are in a relationship that allows them to perform payment-related processing. As a result, the payment intermediation system 10 can automatically verify whether a payment-enabled relationship exists when a mobile body approaches a business, thereby enabling rapid payment processing for users.

[0081] The verification unit 105 may, for example, transmit the verification results to the payment intermediary device 200 and the business device 300, or it may not. For example, if the "business cooperation process" is executed, the verification unit 105 transmits the verification results to the payment intermediary device 200 and the business device 300, but if the "business cooperation process" is not executed, it does not need to transmit the verification results and can simply store them in the storage unit 101.

[0082] The payment information transmission unit 106 transmits payment information to the payment intermediary device 200. Specifically, the payment information transmission unit 106 transmits payment information to the payment intermediary device 200, for example, when the verification unit 105 verifies that the payment intermediary device 200 and the business device 300 (or business) are in a relationship that allows them to perform payment-related processing.

[0083] The settlement request unit 107 requests the settlement service provider to process the settlement indicated by the settlement details. Specifically, the settlement request unit 107 may, for example, request the settlement service provider to process the settlement indicated by the settlement details based on the verification result showing that the settlement intermediary device 200 is capable of executing settlement-related processing in relation to the business device 300 (or business), and the execution request obtained from the settlement intermediary device 200. As a result, the settlement intermediary system 10 can complete the settlement in a state where it has appropriately identified that a settlement relationship is permitted between the settlement intermediary device 200 and the business device 300, thereby realizing safe and reliable settlement processing.

[0084] Furthermore, if the settlement request unit 107 verifies, for example, that the settlement intermediary device 200 and the business device 300 (or business) are in a relationship where they can execute settlement-related processing, and the settlement information transmission unit 106 transmits settlement information to the settlement intermediary device 200, the settlement request unit 107 may request the settlement business operator to process the settlement indicated by the settlement details based solely on the execution request. This enables the settlement intermediary system 10 to achieve safe and reliable settlement processing through a simpler process.

[0085] ===Settlement intermediary device 200=== The settlement intermediary device 200 will be described with reference to Figure 1. As shown in Figure 1, the settlement intermediary device 200 includes, for example, a storage unit 201, a transmitting / receiving unit 202, a verification result acquisition unit 203, a settlement information acquisition unit 204, a processing information acquisition unit 205, and an execution request transmission unit 206.

[0086] The storage unit 201 stores various types of information. The storage unit 201 stores information related to the settlement intermediary device 200. Specifically, the storage unit 201 stores information corresponding to the following items in the intermediary device database D101 of a predetermined settlement intermediary device 200: [Device ID], [IF], [Settlement Type], [Administrator], [Identification Information], [Connection Method], [Settlement Method], [Intermediary Device Certificate], [Business Operator], [Business Operator Collaboration Method], and [Business Operator Authentication Method]. A detailed explanation of these is omitted.

[0087] The transmitting / receiving unit 202 transmits and receives various types of information. Specifically, the transmitting / receiving unit 202 obtains an intermediary device certificate from the payment platform 100. The transmitting / receiving unit 202 also sends an intermediary device verification request to the payment platform 100.

[0088] The verification result acquisition unit 203 acquires verification results. Specifically, the verification result acquisition unit 203 acquires verification results, for example, the result of the payment platform 100 verifying that the payment intermediary device 200 is capable of performing payment-related processing in relation to the business operator device 300.

[0089] The payment information acquisition unit 204 acquires payment information. Specifically, for example, if the verification result acquisition unit 203 acquires a verification result, the payment information acquisition unit 204 may request the payment platform 100 to send the user's payment information and acquire the payment information from the payment platform 100. As a result, the payment intermediation system 10 can reduce the amount of data that the payment intermediation device 200 acquires from the business operator device 300, thereby enabling rapid payment processing with a simple system configuration.

[0090] The payment platform 100 may also transmit payment information along with the verification results to the payment intermediary device 200. In this case, the payment information acquisition unit 204 acquires the payment information along with the verification results without sending a request to the payment platform 100 to transmit the payment information. This allows the payment intermediary system 10 to achieve faster payment processing through a simpler process.

[0091] Furthermore, the payment information acquisition unit 204 may perform processing to display the acquired payment information on the display unit 1007 (for example, a dashboard).

[0092] The processing information acquisition unit 205 receives a payment request from the user payment means 400 to execute payment processing. Specifically, the processing information acquisition unit 205 receives a payment request based on an operation performed by the user payment means 400 on the payment intermediary device 200 after the user has confirmed the payment information displayed on the display unit 1007 (for example, if the user payment means 400 is a smartphone, the user will have the payment-enabled screen of the smartphone read by the payment intermediary device 200; if the user payment means 400 is a credit card, the user will touch the credit card to the reader attached to the payment intermediary device 200 or insert the card).

[0093] The execution request transmission unit 206 sends an execution request to the payment platform 100 to cause the payment provider to execute the payment indicated by the payment details. This allows the payment intermediary system 10 to enable the user to complete the payment process without using the payment functions of the business device 300.

[0094] ===Business equipment 300=== The operator device 300 will be described with reference to Figure 1. As shown in Figure 1, the operator device 300 includes, for example, a storage unit 301, a transmitting / receiving unit 302, and a verification result acquisition unit 303.

[0095] The storage unit 301 stores various types of information. The storage unit 301 stores information related to the business operator and the business operator equipment 300. Specifically, the storage unit 301 stores information corresponding to the following items in the business operator database D102 for a given business operator and business operator equipment 300: [Equipment ID], [IF], [Intermediary settlement type], [Administrator], [Identification information], [Connection method], [Settlement method], [Business operator certificate], [Business operator], [Business operator collaboration method], and [Business operator authentication method], and a detailed explanation of these is omitted.

[0096] The transmitting / receiving unit 302 transmits and receives various types of information. Specifically, the transmitting / receiving unit 302 obtains a business certificate from the payment platform 100. The transmitting / receiving unit 302 also sends a business verification request to the payment platform 100. The transmitting / receiving unit 302 also sends payment information to the payment platform 100.

[0097] The verification result acquisition unit 303 acquires the verification result. Specifically, the verification result acquisition unit 303 acquires, for example, the verification result that the payment platform 100 has verified that the payment intermediary device 200 is capable of performing payment-related processing in relation to the payment intermediary device 200.

[0098] ===Unique Text=== <<First variation>> Next, with reference to Figure 4, a first modified example of the settlement intermediation system 10 will be described. Figure 4 is a diagram showing an example of the configuration of the settlement intermediation system 10a according to the first modified example. In the following, only differences from the settlement intermediation system 10 will be described, and unless otherwise specified, it will be the same as the settlement intermediation system 10.

[0099] The first modified payment intermediation system 10a is a system capable of realizing the "second payment method" described above. In other words, compared to the payment intermediation system 10, the payment intermediation system 10a is a system in which the payment platform 100 does not issue a certificate to the business device 300, and payment from the user to the business is completed solely through the relationship between the payment intermediation device 200 and the payment platform 100.

[0100] The payment intermediation system 10a achieves the above processing by pre-registering information about the business equipment 300 or the business being settled in the payment platform 100. As a result, the payment intermediation system 10a reduces the burden of settlement processing on businesses and simplifies the system configuration, thereby speeding up settlement processing.

[0101] Specifically, in the payment intermediation system 10a, the payment platform 100 pre-registers information that can identify a business in the business database D102 (for example, information stored in the [Administrator], [Identification Information], and [Connection Method] fields of the business database D102). When an event occurs that requires a user to make a payment to the business (for example, purchasing goods at a store), the business device 300 transmits payment information to the payment platform 100 (step S13 in Figure 4).

[0102] The payment platform 100 verifies the intermediary device certificate when it acquires payment information or when it detects that the payment intermediary device 200 has come close enough to communicate with the business device 300 (step S12 in Figure 4). The subsequent processing is the same as steps S14 to S16 of the payment intermediary system 10 shown in Figure 1, so its explanation is omitted.

[0103] In this way, the payment intermediation system 10a enables users to complete payments to businesses without requiring verification of the certificates of the business equipment 300, and enables rapid payment processing with a simple system configuration.

[0104] <<Second variation>> Next, with reference to Figure 5, a second modified example of the settlement intermediation system 10 will be described. Figure 5 is a diagram showing an example of the configuration of the settlement intermediation system 10b according to the second modified example. In the following, only differences from the settlement intermediation system 10 will be described, and unless otherwise specified, it will be the same as the settlement intermediation system 10.

[0105] The second modified payment intermediation system 10b is a system capable of realizing the "third payment method" described above. In other words, compared to the payment intermediation system 10, the payment intermediation system 10b is a system in which the payment intermediation device 200 cooperates with the store device, which is the business operator device 300, to complete the payment through the store device.

[0106] In this way, the payment intermediation system 10b assigns the payment functions of the store device, which is the business operator's equipment 300, to the mobile payment intermediation device 200, so that the payment intermediation device 200 functions as if it were the store device itself. As a result, the payment intermediation system 10b can enhance user convenience by enabling users to perform contactless payments at stores, for example, while in a mobile device (e.g., a car).

[0107] Specifically, the settlement intermediation system 10b executes steps S10 to S12 in Figure 1, similar to the settlement intermediation system 10. In step S13, if the settlement intermediation device 200 is verified to be capable of performing settlement-related processing in relation to the business device 300 (or business), the business device 300 transmits settlement information to the settlement intermediation device 200. In step S14, the business device 300 grants the settlement intermediation device 200 the authority to accept settlements (hereinafter referred to as "settlement acceptance authority").

[0108] This allows the payment intermediary device 200 to be treated the same as the payment terminal of the store, which is the business operator's device 300. In step S15, when the payment intermediary device 200 receives a payment request from the user payment means 400, it sends an execution request to the business operator's device 300. The business operator's device 300 requests the payment business operator to execute the payment process based on the payment information.

[0109] Thus, in the payment intermediation system 10b, the payment intermediation device 200 installed in the mobile vehicle has functions that can be considered equivalent to the store device, which is the business operator's device 300, making it possible for users to complete payments while inside the mobile vehicle (e.g., a car).

[0110] Furthermore, the payment intermediation system 10b does not need to include the payment information transmission unit 106 and the payment request unit 107 of the payment platform 100, compared to the payment intermediation system 10 (shown by dashed lines in Figure 5).

[0111] ===Processing=== Referring to Figure 6, the processing flow of the payment intermediation system 10 will be explained. Figure 6 is a flowchart of the processing of the payment intermediation system 10. In the following explanation, as an example, we will assume a scenario in which a user pays for goods at a drive-through, with the mobile object being a car, the payment intermediation device 200 being a device including the dashboard inside the car, and the business operator device 300 being a device including the payment terminal in the store.

[0112] In step S100, the payment intermediary device 200 sends a registration request to the payment platform 100.

[0113] In step S101, the business device 300 sends a registration request to the payment platform 100.

[0114] In step S102, the payment platform 100 generates an intermediary device certificate, associates it with intermediary device identification information, and stores it in the storage unit 101, and generates a business certificate, associates it with business identification information, and stores it in the storage unit 101. The payment platform 100 transmits the intermediary device certificate to the payment intermediary device 200 and the business certificate to the business device 300.

[0115] In step S200, as the vehicle approaches the store, the payment intermediary device 200 establishes communication with the business device 300.

[0116] In step S201, if the payment intermediary device 200 establishes communication with, for example, the business operator device 300, it sends an intermediary device verification request to the payment platform 100.

[0117] In step S202, if the business operator device 300 establishes communication with, for example, the payment intermediary device 200, it sends a business operator verification request to the payment platform 100.

[0118] In step S203, the payment platform 100 verifies the intermediary device certificate and the business certificate. For example, the payment platform 100 verifies whether the intermediary device certificate contains information indicating that payment is possible with the business with which communication has been established, and whether the business certificate contains information indicating that payment is possible with the payment intermediary device 200 with which communication has been established.

[0119] If the verification results in confirmation that payment is not possible (step S203: impossible), in step S204, the payment platform 100 executes payment failure processing. Payment addition processing is processing that allows the user and the business operator to know that payment is impossible in relation to the payment intermediary device 200 and the business operator. For example, it may be processing that does not transmit payment information, or it may be processing that transmits information indicating that payment is impossible to the payment intermediary device 200 and the business operator device 300.

[0120] If the verification confirms that payment is possible (step S203: possible), in step S205, the payment platform 100 requests the business device 300 to transmit payment information and obtains the payment information from the business device 300.

[0121] In step S206, the payment platform 100 transmits payment information to the payment intermediary device 200.

[0122] In step S207, the settlement intermediary device 200 displays the settlement information on the dashboard.

[0123] In step S208, the payment intermediary device 200 receives a payment request from the user payment means 400. For example, if the user payment means 400 is a credit card, the payment intermediary device 200 accepts the procedure for contactless payment or insert payment, and if it is a smartphone, it accepts the payment procedure by reading the code displayed on the smartphone's display.

[0124] In step S209, when the payment intermediary device 200 receives a payment request from the user payment means 400, it sends a payment execution request to the payment platform 100.

[0125] In step S210, the payment platform 100 sends an execution request to the payment service provider to execute the payment of the payment details indicated by the payment information.

[0126] ===Hardware Configuration=== Referring to Figure 7, an example of the hardware configuration of the payment platform 100, payment intermediary device 200, and business operator device 300 will be described. Figure 7 is a diagram showing an example of the hardware configuration.

[0127] As shown in Figure 5, the computer 1000 includes a processor 1001, a memory 1002, a storage device 1003, an input I / F unit 1004, a data I / F unit 1005, a communication I / F unit 1006, and a display unit 1007.

[0128] The processor 1001 is a control unit that controls various processes in the computer 1000 by executing programs stored in the memory 1002.

[0129] Memory 1002 is a storage medium such as RAM (Random Access Memory). Memory 1002 temporarily stores the program code of the program executed by the processor 1001, as well as data required during program execution.

[0130] The storage device 1003 is a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. The storage device 1003 stores the operating system and various programs for realizing the above configurations.

[0131] The input interface unit 1004 is a device for receiving input from the user. Specific examples of the input interface unit 1004 include keyboards, mice, touch panels, various sensors, and wearable devices. The input interface unit 1004 may be connected to the computer 1000 via an interface such as USB (Universal Serial Bus).

[0132] The data I / F unit 1005 is a device for inputting data from outside the computer 1000. Specific examples of the data I / F unit 1005 include drive devices for reading data stored on various storage media. The data I / F unit 1005 may also be located outside the computer 1000. In that case, the data I / F unit 1005 would be connected to the computer 1000 via an interface such as USB.

[0133] The communication interface unit 1006 is a device for performing data communication via the Internet N with external devices of the computer 1000, either via wired or wireless connection. The communication interface unit 1006 may also be located outside the computer 1000. In that case, the communication interface unit 1006 is connected to the computer 1000 via an interface such as USB.

[0134] The display unit 1007 is a device for displaying various types of information. Specific examples of the display unit 1007 include liquid crystal displays, organic EL (Electro-Luminescence) displays, and displays for wearable devices. The display unit 1007 may be located outside the computer 1000. In that case, the display unit 1007 is connected to the computer 1000 via, for example, a display cable. Furthermore, if a touch panel is used as the input I / F unit 1004, the display unit 1007 can be integrated with the input I / F unit 1004.

[0135] ===Summary=== <1> The payment intermediation system 10 includes a payment intermediary device 200 installed in a mobile vehicle that receives payment procedures from the user's user payment means 400 and executes payment processing from the user to the business operator. The system comprises a storage unit 101 that stores identifiable intermediary device identification information, a certificate generation unit 103 that generates an intermediary device certificate, which is information that proves the payment intermediary device 200 has the authority to execute payment processing in relation to the business operator, in association with the intermediary device identification information, and a certificate transmission unit 104 that transmits the intermediary device certificate to the payment intermediary device 200. This makes it possible for the payment intermediation system 10 to simplify the authentication of user payments. Furthermore, with the payment intermediary system 10, for example, users can complete payments within their vehicles (mobile vehicles) without having to directly perform procedures at a store's payment terminal.

[0136] <2> In the settlement intermediation systems 10 and 10b, the storage unit 101 stores business identification information that can identify a business operator, the certificate generation unit 103 generates a business operator certificate, which is information that proves that the settlement intermediation device 200 is a business operator capable of executing settlements, in association with the business operator identification information, and the settlement intermediation systems 10 and 10b (information processing systems) further include a verification unit 105 that verifies whether the settlement intermediation device 200 and the business operator are in a relationship that allows them to execute settlement-related processing based on the intermediation device certificate and the business operator certificate. <1> The payment intermediary system described above. This allows payment intermediary systems 10 and 10b to centrally manage certificates, thereby enabling faster user payment processing with a simpler system configuration.

[0137] <3> The payment intermediation system 10a further comprises a payment information transmission unit 106 that transmits payment information indicating the payment details obtained from the business operator to the payment intermediation device 200, and a verification unit 105 that, when transmitting payment information to the payment intermediation device 200, verifies whether the payment intermediation device 200 is capable of performing payment-related processing in relation to the business operator based on an intermediary device certificate stored in the storage unit 101. <1> The payment intermediation system described above. This allows the payment intermediation system 10a to complete the payment by the user to the business operator without requiring the business operator device 300 to verify the certificate, and enables rapid payment processing with a simple system configuration.

[0138] <4> The payment intermediation system 10, 10a further comprises: a payment information transmission unit 106 that transmits payment information indicating the user's payment details obtained from a business to the payment intermediation device 200; an acquisition unit 102 (execution request acquisition unit) that acquires an execution request from the payment intermediation device 200 to execute the payment indicated by the payment details to the payment business when the payment intermediation device 200 obtains information from the user for executing payment-related processing based on the payment information obtained by the payment intermediation device 200; and a payment request unit 107 that requests the payment business to process the payment indicated by the payment details based on the verification result, which is the result of verification by the verification unit 105 that the payment intermediation device 200 is able to execute payment-related processing in relation to the business, and the execution request. <2> or <3> The payment intermediation system described above. This allows the payment intermediation systems 10 and 10a to complete payments by users to businesses without requiring verification of the certificates of the business equipment 300, enabling rapid payment processing with a simple system configuration.

[0139] <5> The payment intermediation system 10b includes a storage unit 101 that stores business identification information capable of identifying a business operator's business operator device 300, a certificate generation unit 103 that generates a business operator certificate, which is information proving that the payment intermediation device 200 is a business operator capable of executing payments, in association with the business operator identification information, and an information processing system further comprises a payment intermediation device 200, the payment intermediation device 200 includes a verification result acquisition unit 203 that acquires a verification result, which is the result of a predetermined server verifying that the payment intermediation device 200 is capable of executing payment-related processing in relation to the business operator device 300, based on the intermediation device certificate and the business operator certificate, a payment information acquisition unit 204 that acquires payment information indicating the user's payment details from the business operator device 300 when a verification result has been acquired, a processing information acquisition unit 205 that acquires information from the user for executing payment-related processing based on the acquisition of payment information, and an execution request transmission unit 206 that sends an execution request to the business operator device 300 to cause the payment operator to execute the payment indicated by the payment details. <1> or <2> The payment intermediation system described above. As a result, the payment intermediation system 10b has the function that the payment intermediation device 200 installed in the mobile body can be treated the same as the store device which is the business operator's device 300, so that the user can complete the payment while inside the mobile body (for example, a car).

[0140] <6> The payment intermediary device 200 is a payment intermediary device installed on a mobile device that receives payment procedures from a user's user payment means 400 and executes payment processing from the user to the business operator. The payment intermediary device 200 includes a verification result acquisition unit 203 that acquires verification results from a predetermined server device that the payment intermediary device 200 and the business operator's business operator device 300 are capable of executing payment processing, based on an intermediary device certificate which is information that proves that the payment intermediary device 200 has the authority to execute payment processing in relation to the business operator. The payment intermediary device 200 includes a payment information acquisition unit 204 that acquires payment information indicating the user's payment details. The payment intermediary device 200 acquires information from the business operator device 300 and executes payment processing from the user based on the acquisition of payment information. The execution request transmission unit 206 transmits an execution request to the payment business operator to execute the payment indicated by the payment details. As a result, the payment intermediary device 200 can reduce the amount of data acquired from the business operator device 300, enabling rapid payment processing through a simple process.

[0141] This embodiment is provided to facilitate understanding of the present invention and is not intended to limit its interpretation. The present invention may be modified or improved without departing from its spirit, and equivalents thereof are also included.

[0142] Furthermore, in the present invention, "part" does not merely mean a physical means, but also includes cases where the functions of that "part" are realized by software. Also, even if the functions of one "part" or device are realized by two or more physical means, devices, or software modules, the functions of two or more "parts" or devices may be realized by one physical means, device, or software module. [Explanation of symbols]

[0143] 10 Payment intermediation system, 100 Payment platform, 101 Storage unit, 102 Acquisition unit, 103 Certificate generation unit, 104 Certificate transmission unit, 105 Verification unit, 106 Payment information transmission unit, 107 Payment request unit, 200 Payment intermediation device, 201 Storage unit, 202 Transmission / reception unit, 203 Verification result acquisition unit, 204 Payment information acquisition unit, 205 Processing information acquisition unit, 206 Execution request transmission unit, 300 Business operator device, 301 Storage unit, 302 Transmission / reception unit, 303 Verification result acquisition unit, 400 User payment means.

Claims

1. A payment intermediary device installed on a mobile device, which receives payment procedures from a user's payment means and executes payment processing from the user to the business operator, includes a storage unit that stores identifiable intermediary device identification information, A certificate generation unit generates an intermediary device certificate, which is information that proves the settlement intermediary device has the authority to perform settlement-related processing in relation to the business operator, in association with the aforementioned intermediary device identification information. A certificate transmission unit that transmits the aforementioned intermediary device certificate to the settlement intermediary device, An information processing system equipped with the following features.

2. The storage unit stores business identification information that can identify the business operator, The certificate generation unit generates a business certificate, which is information proving that the payment intermediary device is a business capable of executing payments, in association with the business identification information. The aforementioned information processing system is The system further includes a verification unit that verifies whether the settlement intermediary device and the settlement business are in a relationship that allows them to perform settlement-related processing, based on the aforementioned intermediary device certificate and the aforementioned business certificate. The information processing system according to claim 1.

3. A payment information transmission unit transmits payment information indicating the payment details obtained from the business operator to the payment intermediary device, When transmitting the payment information to the payment intermediary device, a verification unit verifies whether the payment intermediary device is capable of performing payment processing in relation to the business operator, based on the intermediary device certificate stored in the storage unit. The information processing system according to claim 1, further comprising:

4. A payment information transmission unit transmits payment information indicating the user's payment details, obtained from the aforementioned business operator, to the payment intermediary device. Based on the fact that the payment intermediary device has acquired the payment information, if the payment intermediary device acquires information from the user for executing the payment-related processing, an execution request acquisition unit acquires an execution request from the payment intermediary device to execute the payment indicated by the payment details to the payment service provider. A settlement request unit requests the settlement business operator to process the settlement indicated by the settlement details, based on the verification result, which is the result of the verification unit verifying that the settlement intermediary device is capable of performing settlement-related processing in relation to the business operator, and the execution request. The information processing system according to claim 2 or claim 3, further comprising:

5. The storage unit stores business identification information that can identify the business equipment of the business operator, The certificate generation unit generates a business certificate, which is information proving that the payment intermediary device is a business capable of executing payments, in association with the business identification information. The information processing system further comprises the settlement intermediary device, The aforementioned settlement intermediary device, A verification result acquisition unit acquires a verification result which is the result of a predetermined server verifying that the settlement intermediary device is capable of performing settlement-related processing in relation to the settlement device, based on the aforementioned intermediary device certificate and the aforementioned business operator certificate. When the verification result is obtained, the payment information acquisition unit acquires payment information indicating the user's payment details from the business operator's device, A processing information acquisition unit obtains information from the user for executing the payment processing based on the acquisition of the aforementioned payment information, An execution request transmission unit transmits an execution request to the payment service provider to perform the payment indicated by the aforementioned payment details to the service provider device, The information processing system according to claim 1, comprising:

6. A payment intermediary device installed on a mobile device that receives payment procedures from a user's payment means and executes payment processing from the user to a business operator, The payment intermediary device is Based on the intermediary device certificate, which is information proving that it has the authority to perform settlement-related processing in relation to the aforementioned business operator, the settlement intermediary device and the business operator's device are verified by a predetermined server device to be able to perform the settlement-related processing. The verification result acquisition unit acquires this verification result from the predetermined server device. A payment information acquisition unit that acquires payment information indicating the payment details of the user, A processing information acquisition unit obtains information from the user for executing the payment processing based on the acquisition of the aforementioned payment information, An execution request transmission unit that transmits an execution request to cause a payment service provider to execute the payment indicated by the aforementioned payment details, A payment intermediary device equipped with the following features.

7. Computers A payment intermediary device installed on a mobile device, which receives payment procedures from a user's payment method and executes payment processing from the user to the business operator, stores identifiable intermediary device identification information. In association with the aforementioned intermediary device identification information, an intermediary device certificate is generated, which is information proving that the settlement intermediary device has the authority to perform settlement-related processing in relation to the business operator. The aforementioned intermediary device certificate is transmitted to the settlement intermediary device, An information processing method that performs the following.

8. On the computer, A payment intermediary device installed on a mobile device, which receives payment procedures from a user's payment method and executes payment processing from the user to the business operator, stores identifiable intermediary device identification information. In association with the aforementioned intermediary device identification information, an intermediary device certificate is generated, which is information proving that the settlement intermediary device has the authority to perform settlement-related processing in relation to the business operator. The aforementioned intermediary device certificate is transmitted to the settlement intermediary device, A program that executes the command.

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