Terminal program, terminal, and information processing method

Abstract

To improve user convenience. [Solution] The determination unit 113 determines whether the user is logged in or logged out. The acquisition unit 112, when logged in, acquires logout payment information from the management server 20 regarding logout payment codes that can be used when logged out. When a payment operation related to electronic payment is accepted while logged out, the display control unit 116 displays a logout payment image 502a showing the logout payment code on the display device 14.

Description

Technical Field

[0001] The present invention relates to a program for a terminal, a terminal, and an information processing method.

Background Art

[0002] In recent years, an electronic payment service that enables payment by presenting a barcode displayed on a user terminal at a storefront has become widespread. For example, Patent Document 1 discloses a payment device that acquires user identification information by reading a barcode for store scanning displayed on a user terminal with a store terminal, and executes payment according to the identification information and payment information transmitted from the store terminal.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, there are cases where a user may be logged out of an electronic payment service regardless of the user's operation or intention. In this case, in the payment device of Patent Document 1, a user who is unaware of being logged out of the electronic payment service needs to log in to the electronic payment service again when making a payment at the storefront, which causes problems such as annoyance and inconvenience.

[0005] The present invention has been made to solve the above problems, and an object thereof is to provide a program for a terminal, a terminal, and an information processing method that can improve user convenience.

Means for Solving the Problems

[0006] A terminal program according to a preferred embodiment of the present invention causes a terminal processing unit owned by a user to function as follows: a determination unit that determines whether the user is in a first state in which the user is logged into a first service related to electronic payment, or a second state in which the user is logged out of the first service; an acquisition unit that, in the first state, acquires first information relating to one of the payment codes, which is a first code usable in the second state, from a management device that issues tokens relating to payment codes used for electronic payment; and a display control unit that, in the second state, when a payment operation related to electronic payment is accepted, displays a first image showing the first code on a display device.

[0007] A terminal according to a preferred embodiment of the present invention is possessed by a user and comprises: a determination unit that determines whether the user is in a first state in which the user is logged into a first service related to electronic payment, or a second state in which the user is logged out of the first service; an acquisition unit that, in the first state, acquires first information relating to one of the payment codes, which is a first code usable in the second state, from a management device that issues tokens relating to payment codes used for electronic payment; and a display control unit that, in the second state, when a payment operation related to electronic payment is accepted, displays a first image showing the first code on a display device.

[0008] A preferred embodiment of the present invention is an information processing method performed by a computer, which determines whether the user is in a first state in which the user is logged into a first service relating to electronic payment, or in a second state in which the user is logged out of the first service; in the first state, obtains first information relating to one of the payment codes, which is available in the second state, from a management device that issues tokens relating to payment codes used for electronic payment; and in the second state, if a payment operation relating to electronic payment is accepted, displays a first image showing the first code on a display device. [Effects of the Invention]

[0009] The terminal program, terminal, and information processing method according to the present invention can improve user convenience. [Brief explanation of the drawing]

[0010] [Figure 1] This diagram shows the overall configuration of the electronic payment management system, including the terminal device, according to the first embodiment. [Figure 2] This is a block diagram showing an example of the configuration of a terminal device in Figure 1. [Figure 3] This diagram shows the payment methods performed in the logged-in, logged-out, online, and offline states. [Figure 4] This figure shows an example of the validity period, number of uses, maximum amount per use, and maximum amount per validity period for offline payment codes and logout payment codes. [Figure 5] This figure shows an example of a typical payment screen displayed on a terminal device. [Figure 6] This figure shows an example of a logout payment screen and a guidance screen displayed on a terminal device. [Figure 7] This figure shows an example of a login screen displayed on a terminal device. [Figure 8] This figure shows an example of a help screen displayed on a terminal device. [Figure 9] This figure shows an example of an offline payment screen displayed on a terminal device. [Figure 10] This block diagram shows an example configuration of the management server in Figure 1. [Figure 11] This figure shows an example of an account information database. [Figure 12] This is a flowchart illustrating an example of the operation of the processing unit of a terminal device. [Figure 13] This flowchart shows an example of the first operation of the processing unit of the management server. [Figure 14] This flowchart shows an example of the second operation of the processing unit of the management server.

Embodiments for Carrying Out the Invention

[0011] 1. First Embodiment Hereinafter, by referring to FIGS. 1 to 14, the configuration of the electronic payment management system according to the first embodiment of the present invention will be described.

[0012] 1.1. Configuration of the First Embodiment 1.1.1. Overall Configuration FIG. 1 is a diagram showing the overall configuration of the electronic payment management system 1 including the terminal device 10 according to the first embodiment. The electronic payment management system 1 includes a terminal device 10, a management server 20, and a communication network NET.

[0013] The terminal device 10 includes n terminal devices 10[1], 10[2],..., 10[k],..., 10[n]. Here, n is an arbitrary natural number, and k is an arbitrary natural number smaller than n. In this embodiment, the configurations of the terminal devices 10[1] to 10[n] are the same as each other. Note that the terminal device 10 may include terminal devices with different configurations.

[0014] The user who uses the terminal device 10[1] is the user U[1], the user who uses the terminal device 10[2] is the user U[2], the user who uses the terminal device 10[k] is the user U[k], and the user who uses the terminal device 10[n] is the user U[n]. When referring to an unspecified number of users or all users, the user is also denoted as the user U. The user U uses the electronic payment service provided by the electronic payment management system 1 using the terminal device 10.

[0015] The terminal device 10 includes a personal computer, a tablet terminal, a smartphone, a smartwatch, etc.

[0016] The management server 20 is a server managed by a payment service provider. Examples of payment service providers include electronic payment service providers. Electronic payment service providers include, for example, electronic payment service providers. In this embodiment, the case where the management server 20 is managed by an electronic payment service provider will be described as an example. In other words, in this embodiment, the electronic payment service provider provides electronic payment services using the management server 20.

[0017] Electronic payment services may include, for example, cashless payment services using QR codes, and point services based on the use of electronic payment services. User U[k] registers an account for using the electronic payment service.

[0018] A communication network (NET) is a telecommunications line, such as a mobile communication network, managed by a telecommunications carrier providing communication services. A communication network (NET) includes either or both wired and wireless communication networks. For example, a communication network (NET) may be connected to other networks (not shown) managed by other telecommunications carriers via the Internet.

[0019] In the electronic payment management system 1, terminal devices 10[1] to 10[n] and the management server 20 are connected to each other via a communication network NET so that they can communicate with one another. The electronic payment management system 1 is a system that provides electronic payment services to any user who possesses a terminal device 10.

[0020] 1.1.2. Configuration of the terminal device Figure 2 is a block diagram showing an example configuration of the terminal device 10[k] in Figure 1. As shown in Figure 2, the terminal device 10[k] comprises a processing unit 11, a storage device 12, a communication device 13, a display device 14, an input device 15, and an imaging device 16. Each element of the terminal device 10[k] is interconnected by one or more buses for communicating information. The terminal device 10[k] is an example of a terminal.

[0021] The processing unit 11 is a processor that controls the entire terminal device 10[k], and is configured, for example, using one or more chips. The processing unit 11 is configured using a central processing unit (CPU) that includes, for example, interfaces with peripheral devices, arithmetic units, registers, etc. Some or all of the functions of the processing unit 11 may be implemented by hardware such as a DSP (Digital Signal Processor), ASIC (Application Specific Integrated Circuit), PLD (Programmable Logic Device), FPGA (Field Programmable Gate Array). The processing unit 11 executes various processes in parallel or sequentially.

[0022] The storage device 12 is a recording medium that can be read from and written to by the processing device 11. The storage device 12 includes, for example, non-volatile memory and volatile memory. Non-volatile memory is, for example, ROM (Read Only Memory), EPROM (Erasable Programmable Read Only Memory), and EEPROM (Electrically Erasable Programmable Read Only Memory). Volatile memory is, for example, RAM (Random Access Memory).

[0023] The storage device 12 stores multiple programs, including the control program PR1, which is executed by the processing unit 11. The storage device 12 also functions as a work area for the processing unit 11. The control program PR1 is a program that controls the entire processing unit 11.

[0024] The communication device 13 is hardware that acts as a transmitting and receiving device for communicating with other devices. The communication device 13 is also called, for example, a network device, network controller, network card, or communication module. The communication device 13 may be equipped with a connector for wired connection and an interface circuit corresponding to the connector. The communication device 13 may also be equipped with a wireless communication interface. Examples of connectors and interface circuits for wired connection include products compliant with wired LAN, IEEE1394, and USB. Examples of wireless communication interfaces include products compliant with wireless LAN and Bluetooth®.

[0025] The display device 14 is a device that displays images and text information. The display device 14 displays various images based on control by the processing device 11. For example, various display panels such as liquid crystal panels and organic EL (Electro-Luminescence) panels are preferably used as the display device 14.

[0026] The input device 15 accepts operations from user U[1]. For example, the input device 15 is configured to include a pointing device such as a keyboard, touchpad, touch panel, or mouse. If the input device 15 is configured to include a touch panel, it may also function as the display device 14.

[0027] The processing unit 11 functions as a receiving unit 111, an acquisition unit 112, a determination unit 113, a request unit 114, a transmission unit 115, and a display control unit 116, for example, by reading and executing the control program PR1 from the storage device 12.

[0028] The reception unit 111 accepts various operations from user U[k] via the input device 15. For example, an operation by user U[k] might be to display a payment code in order to use an electronic payment service. Another operation by user U[k] might be to log in to an electronic payment service.

[0029] The acquisition unit 112 acquires first information from the management server 20 via the communication device 13 while logged in. The first information is information regarding the logout payment code. The logout payment code is one of the payment codes and is a code that can be used while logged out. The logout payment code is an example of the first code.

[0030] More specifically, the first information includes, for example, a token indicating a logout payment code. The terminal device 10[k] generates an image indicating the logout payment code based on the token. This image may include, for example, the two-dimensional code 503 and the one-dimensional code 504 described later. The first information may also be an image indicating the logout payment code instead of a token. In addition to the token, the first information also includes attribute information indicating the number of times the logout payment code can be used and the period during which it can be used. In the logout state, the management server 20 cannot authenticate user U[k] and therefore cannot obtain the first information. For this reason, the acquisition unit 112 acquires the first information in advance when the user is logged in.

[0031] Here, the login state and logout state in this embodiment will be explained. The login state is the state in which user U[k] is logged into the electronic payment service. The logout state is the state in which user U[k] is logged out of the electronic payment service. More specifically, the login state is the state in which a session for user U[k] is generated in the management server 20, and session information for the generated session is stored in the management server 20. A session for user U[k] is generated when the account information of user U[k] entered by user U[k] through the login operation matches any of the account information of each user U[1] to U[n] registered in the account information database DB1 of the management server 20. The login operation is the operation in which user U[k] enters user U[k]'s account information via the input device 15.

[0032] When user U[k] logs out, the session associated with user U[k] is deleted from the management server 20. In other words, the logged-out state is a state in which user U[k]'s session information has been deleted from the management server 20. The log-out operation is performed by user U[k] pressing the log-out button in the control program PR1 via the input device 15. User U[k] remains logged in until the session information associated with them is deleted. If the logged-in state continues, user U[k] does not need to perform the login operation each time the control program PR1 is started.

[0033] However, session information for user U[k] is automatically deleted after a predetermined time has elapsed since user U[k]'s last access, regardless of user U[k]'s logout operation. The purpose of automatically deleting session information is to prevent resource depletion on the management server 20 and to prevent the leakage of personal information.

[0034] Furthermore, if user U[k] changes the security level for logging into the electronic payment service using their account information, for example, by setting up two-factor authentication, user U[k] may be logged out without logging out. Alternatively, if user U[k] changes their contract for a mobile communication service that uses the same account as the electronic payment service, user U[k] may be logged out without logging out.

[0035] Electronic payment services are services related to electronic payments. Electronic payment services are an example of the first type of service. The logged-in state is an example of the first type of state. The logged-out state is an example of the second type of state.

[0036] However, if communication between terminal device 10[k] and management server 20 is interrupted or the communication status becomes poor for any reason, that is, if terminal device 10[k] is in an offline state, the processing unit 11 cannot recognize whether user U[k] is logged in or logged out. The communication status between communication device 13 and management server 20 includes an online state in which communication is possible between communication device 13 and management server 20, and an offline state in which communication is impossible between communication device 13 and management server 20.

[0037] Figure 3 shows the payment methods performed in each state: logged in, logged out, online, and offline. As shown in Figure 3, when online and logged in, a "normal payment" is performed. When online and logged out, a "logout payment" is performed. When offline and logged in, an "offline payment" is performed. When offline and logged out, an "offline payment" is performed. In other words, when offline, it is not possible to recognize whether the user is logged in or logged out, so an offline payment is always performed. The online state is an example of the third state. The offline state is an example of the fourth state.

[0038] "Regular payments" can be made using either Customer Presented Mode (CPM) or Merchant Presented Mode (MPM).

[0039] "Logout payment," a code-based payment method used while logged out, is available for user-presented payments. With "logout payment," payment information from terminal device 10[k] is transmitted to management server 20 via the store's POS (Point of Sale) device.

[0040] "Offline payment," which is a code-based payment method used offline, is available for user-presented payments. In "offline payment," payment information from terminal device 10[k] is transmitted to management server 20 via the store's POS (Point of Sale) device.

[0041] Referring again to Figure 2, the determination unit 113 determines whether the user U[k] account is logged in or logged out based on whether session information is stored in the management server 20. Specifically, if session information is stored in the management server 20, the determination unit 113 determines that the user U[k] account is logged in. On the other hand, if session information is not stored in the management server 20, the determination unit 113 determines that the user U[k] account is logged out. The determination unit 113 also determines whether the terminal device 10[k] is online or offline.

[0042] The request unit 114, while online, requests the management server 20 to issue a token related to the logout payment code. The logout payment code has a set number of uses. The number of uses for the logout payment code is included in the first information as attribute information. The number of uses for the logout payment code and the number of uses for the offline payment code are different. The offline payment code is one of the payment codes and is a code that can be used in an offline state. The logout payment code has an expiration period, i.e., a period of use. The period of use for the logout payment code is included in the first information as attribute information. The period of use for the logout payment code and the period of use for the offline payment code are different. The offline payment code is an example of the second code.

[0043] Figure 4 shows an example of the validity period, number of uses, maximum amount per use, and maximum amount per validity period for offline payment codes and logout payment codes. As shown in Figure 4, the validity period for one offline payment code is 7 days. Also, offline payment codes can be used up to 5 times in the past 24 hours and up to 10 times in the past 30 days.

[0044] There is no specific limit on the maximum payment amount for payments made using offline payment codes; it depends on the limits set for each payment method. These payment methods include, for example, payment by electronic money, payment by credit card, and payment combined with phone bills. Therefore, the maximum payment amount for payments made using offline payment codes is the same as the normal payment limit for electronic money payments, for example.

[0045] Each logout payment code is valid for 30 days. This means that the validity period of one logout payment code is longer than that of one offline payment code. According to the inventor's calculations, the number of users U who have logged out within 7 days of their last login to the electronic payment service is approximately 30% of the total number of users U who have logged out. The number of users U who have logged out within 30 days of their last login to the service is approximately 50% of the total number of users U who have logged out. Therefore, more users U can use the logout payment code. In addition, each logout payment code can be used up to twice within a 30-day period.

[0046] The maximum payment amount for payments made using a logout payment code is set to, for example, 50,000 yen per transaction and 100,000 yen per 30 days.

[0047] Please note that the validity period, number of uses, maximum amount per transaction, and maximum amount per validity period for offline payment codes and logout payment codes shown in Figure 4 are merely examples, and this disclosure is not limited to these figures.

[0048] Referring again to Figure 2, when the transmission unit 115 receives an operation to log in to the first service while logged out, it transmits the account information of user U[k] to the management server 20 via the communication device 13. The account information is information related to user U[k]'s account.

[0049] When a payment operation related to electronic payment is received while the user is logged out, the display control unit 116 displays a logout payment screen on the display device 14. The logout payment screen includes a logout payment image showing a logout payment code. The logout payment screen is an example of the first screen. The logout payment image is an example of the first image.

[0050] More specifically, the display control unit 116 displays a logout payment screen when the user is online and logged out. The logout payment screen further includes a guidance button. The guidance button is an image indicating a button that transitions the screen displayed on the display device 14 from the logout payment screen to the login screen. The login screen is a screen that transitions the state of the electronic payment service from the logout state to the login state. The guidance button is an example of the third image. The login screen is an example of the third screen.

[0051] The functions of the display control unit 116 will be described below with reference to Figures 5 to 9. Figure 5 shows an example of a normal payment screen SC1 displayed on the terminal device 10[k]. When the reception unit 111 receives an operation for electronic payment from user U[k] while the user is online and logged in, the display control unit 116 displays the normal payment screen SC1 shown in Figure 5 on the display device 14.

[0052] Specifically, the first display area 501 of the normal payment screen SC1 displays information such as the normal payment image 502, the electronic money balance 505, and the point balance 506. The normal payment image 502 shows the normal payment code. The normal payment code includes a two-dimensional code 503 and a one-dimensional code 504. In this example, both the two-dimensional code 503 and the one-dimensional code 504 are displayed, but either only the two-dimensional code 503 or only the one-dimensional code 504 may be displayed.

[0053] In the second display area 507 of the standard payment screen SC1, a barcode 508 related to the point card number is displayed.

[0054] Figure 6 shows an example of the logout payment screen SC2 displayed on the terminal device 10[k]. When the reception unit 111 receives an operation for electronic payment from user U[k] while the user is online and logged out, the display control unit 116 displays the logout payment screen SC2 shown in Figure 6 on the display device 14.

[0055] Specifically, the first display area 501a of the logout payment screen SC2 displays information such as the logout payment image 502a, a display indicating that it is a logout payment 509a, and a help button 901. The logout payment image 502a shows the logout payment code. The logout payment code includes a two-dimensional code 503a and a one-dimensional code 504a. In this example, both the two-dimensional code 503a and the one-dimensional code 504a are displayed, but only the two-dimensional code 503a may be displayed. The logout payment image 502a is an example of the first image.

[0056] The second display area 507a of the logout payment screen SC2 displays a barcode 508 related to the point card number.

[0057] The third display area 601 of the logout payment screen SC2 displays a message 602 prompting login and a guidance button 603. The message 602 prompting login may read, for example, "Please log in to continue your payment." The guidance button 603 is a button that guides user U[k] to the login screen. The guidance button 603 may read, for example, "Go to login screen."

[0058] Figure 7 shows an example of the login screen SC3 displayed on the terminal device 10[k]. When the guidance button 603 in Figure 6 is operated by user U[k], the display control unit 116 displays the login screen SC3 on the display device 14 of the terminal device 10[k], as shown in Figure 7.

[0059] The login screen SC3 displays a message 701 indicating that it is a login screen, login method selection buttons 702 and 703, an account creation button 704, etc. The message 701 indicating that it is a login screen may, for example, display "Login to get started." The login method selection button 702 displays "Login via telephone line." If user U[k] presses the login method selection button 702, user U[k] enters the telephone number of the line contracted by user U[k] by operating the input device 15. The login method selection button 703 displays "Login with account." If user U[k] presses the login method selection button 703, user U[k] enters the ID and password of the account registered by user U[k] by operating the input device 15.

[0060] The account creation button 704 displays "Create Account". The account creation button 704 is intended for new users. In this embodiment, user U[k] has already registered an account, so it is not expected that user U[k] will operate the account creation button 704.

[0061] Figure 8 shows an example of the help screen SC4 displayed on terminal device 10[k]. When the help button 901 in Figure 6 is operated by user U[k], the display control unit 116 displays the help screen SC4 on the display device 14 of the terminal device 10[k], as shown in Figure 8.

[0062] The Help screen SC4 displays information such as display 801 indicating that it is an explanation about logout payments, display 802 indicating instructions on how to use the service, and display 803 indicating restrictions.

[0063] Display 801, which indicates that it is an explanation about payment while logged out, will show, for example, "You can make a payment even when you are logged out." Display 802, which is an explanation of how to use the service, will show, for example, "(1) Have the store staff scan the code, (2) Confirm with the store staff that the payment is complete." However, it will also indicate that "the screen will not change even after completion." Furthermore, Display 802, which is an explanation of how to use the service, will also show, "To return to the logged-in state, please log in again from the login screen."

[0064] Display 803, which explains the restrictions, may show, for example, "Payment by scanning the store's QR code (registered trademark) with the app is not available. Points cannot be used (points will be awarded). This can be used up to twice within 30 days. The payment method cannot be changed."

[0065] In the example shown in Figure 8, the help screen SC4 is displayed overlaid on the logout payment screen SC2. At this time, the logout payment screen SC2 is grayed out. Graying out indicates an inactive state, meaning it is not subject to user U[k]'s operations. It is displayed as an overlay. That is, while the help screen SC4 is displayed, user U[k] cannot operate the logout payment screen SC2. Note that the method of displaying the help screen SC4 is not limited to this. The help screen SC4 may be displayed across the entire display area of ​​the display device 14.

[0066] Figure 9 shows an example of the offline payment screen SC5 displayed on the terminal device 10[k]. When the reception unit 111 receives an operation for electronic payment from user U[k] in the offline state, the display control unit 116 displays the offline payment screen SC5 shown in Figure 9 on the display device 14. The offline payment screen SC5 is an example of the second screen.

[0067] Specifically, the first display area 501b of the offline payment screen SC5 displays information such as the offline payment image 502b and an indication 509b that it is an offline payment. The offline payment image 502b shows the offline payment code. The offline payment code includes a two-dimensional code 503b and a one-dimensional code 504b. In this example, both the two-dimensional code 503b and the one-dimensional code 504b are displayed, but only the two-dimensional code 503b may be displayed. The offline payment image 502b is an example of the second image.

[0068] The second display area 507b of the offline payment screen SC5 displays a barcode 508 related to the point card number.

[0069] The display modes shown in Figures 5-9 for the normal payment screen SC1, logout payment screen SC2, login screen SC3, help screen SC4, and offline payment screen SC5 are merely examples, and the present invention is not limited to the modes shown in Figures 5-9.

[0070] 1.1.3. Management Server Configuration Figure 10 is a block diagram showing an example configuration of the management server 20 shown in Figure 1. As shown in Figure 10, the management server 20 comprises a processing unit 21, a storage device 22, and a communication device 23. Each element of the management server 20 is interconnected by one or more buses for communicating information.

[0071] The processing unit 31 is a processor that controls the entire management server 20, and is configured, for example, using one or more chips. The processing unit 21 is configured, for example, using a central processing unit (CPU) that includes interfaces with peripheral devices, an arithmetic unit, and registers. Some or all of the functions of the processing unit 21 may be implemented by hardware such as a DSP, ASIC, PLD, FPGA, etc. The processing unit 21 executes various processes in parallel or sequentially.

[0072] The storage device 22 is a recording medium that can be read from and written to by the processing device 21. The storage device 22 includes, for example, non-volatile memory and volatile memory. Non-volatile memory is, for example, ROM, EPROM, and EEPROM. Volatile memory is, for example, RAM.

[0073] The storage device 22 stores multiple programs, including the control program PR2 for execution by the processing unit 21, and the account information database DB1. The storage device 22 also functions as the work area for the processing unit 21.

[0074] Figure 11 shows an example of the account information database DB1. As shown in Figure 11, the account information database DB1 stores the account information of user U[k]. User U[k]'s account information includes, for example, the account name, password, email address, and user attribute information. User attribute information includes, for example, user U[k]'s name, date of birth, gender, address, occupation, etc.

[0075] The communication device 23 is hardware that acts as a transmitting and receiving device for communicating with other devices. The communication device 23 is also called, for example, a network device, network controller, network card, or communication module. The communication device 23 may be equipped with a connector for wired connection and an interface circuit corresponding to the connector. The communication device 23 may also be equipped with a wireless communication interface. Examples of connectors and interface circuits for wired connection include products compliant with wired LAN, IEEE1394, and USB. Examples of wireless communication interfaces include products compliant with wireless LAN and Bluetooth®.

[0076] The processing unit 21 functions as a receiving unit 211, an issuing unit 212, and a notification unit 213, for example, by reading and executing the control program PR2 from the storage device 22.

[0077] The reception unit 211 receives requests from the terminal device 10[k] for the issuance of tokens related to logout payment codes and requests for the issuance of tokens related to offline payment codes. In other words, the reception unit 211 receives first code issuance request information and second code issuance request information from the terminal device 10[k]. The first code issuance request information is information relating to the request for the issuance of tokens related to logout payment codes. The second code issuance request information is information relating to the request for the issuance of tokens related to offline payment codes.

[0078] The issuing unit 212 issues a token related to the logout payment code based on the first code issuance request information. The issuing unit 212 issues a token related to the offline payment code based on the second code issuance request information.

[0079] The notification unit 213 notifies the terminal device 10[k] of the token related to the logout payment code issued by the issuing unit 212 via the communication device 23. The notification unit 213 notifies the terminal device 10[k] of the token related to the offline payment code issued by the issuing unit 212 via the communication device 23.

[0080] 1.2. Operation of the terminal device according to the first embodiment 1.2.1. Operation of the processing unit 11 Figure 12 is a flowchart illustrating an example of the operation of the processing unit 11 of the terminal device 10[k]. The operation of the processing unit 11 will be explained below with reference to Figure 12.

[0081] In step S11, the processing unit 11, functioning as a reception unit 111, determines whether or not it has received an operation from user U[k] to use electronic payment via the input device 15. The operation to use electronic payment includes, for example, the operation to start the control program PR1 and the operation to tap the payment button displayed on the display device 14.

[0082] If the operation to use electronic payment is not accepted, that is, if the determination result in step S11 is negative, the processing unit 11 terminates this routine. In other words, since the operation to use electronic payment by user U[k] has not been accepted, the processing unit 11 does not execute the processes from step S12 to step S16.

[0083] On the other hand, if the system accepts an operation from user U[k] to use electronic payment, that is, if the determination result in step S11 is positive, the processing unit 11, in step S12, functions as a determination unit 113 to determine whether the terminal device 10[k] is in an online state or not, that is, whether it is in an online state or an offline state.

[0084] If the terminal device 10[k] is online, that is, if the determination result in step S12 is positive, the processing unit 11 determines in step S13 whether the user U[k]'s account is logged in, that is, whether the account is logged in or logged out.

[0085] If the account status of user U[k] is logged in, that is, if the determination result in step S13 is positive, the processing unit 11, in step S14, functions as a display control unit 116 to display the normal payment screen SC1 on the display device 14 and terminates this routine.

[0086] On the other hand, if the account status of user U[k] is not logged in, that is, if the determination result in step S13 is negative, the processing unit 11, in step S15, functions as a display control unit 116 to display the logout payment screen SC2 on the display device 14 and terminates this routine.

[0087] Furthermore, if the terminal device 10[k] is not in an online state, that is, if the determination result in step S12 is negative, the processing unit 11, in step S16, functions as a display control unit 116 to display the offline payment screen SC5 on the display device 14 and terminates this routine.

[0088] 1.3. Operation of the management server according to the first embodiment 1.3.1. First operation of the processing unit 21 Figure 13 is a flowchart illustrating an example of the first operation of the processing unit 21 of the management server 20. The first operation of the processing unit 21 will be explained below with reference to Figure 13. Note that the following first operation is executed when the account status of user U[k] is logged in.

[0089] In step S21, the processing unit 21, functioning as a reception unit 211, determines whether or not it has received a request from the terminal device 10[k] to issue a token related to the logout payment code.

[0090] If the request for token issuance related to the logout payment code is not accepted, that is, if the result of the determination in step S21 is negative, the processing unit 21 terminates this routine. In other words, since the request for token issuance related to the logout payment code has not been accepted, the processing unit 21 does not execute the processes from step S22 to step S23.

[0091] On the other hand, if the terminal device 10[k] requests the issuance of a token relating to the logout payment code, that is, if the determination result in step S21 is positive, the processing unit 21, in step S22, functions as an issuing unit 212 and issues a token relating to the logout payment code.

[0092] In step S23, the processing unit 21, by functioning as a notification unit 213, notifies the terminal device 10[k] of the token related to the issued logout payment code via the communication device 23, and then terminates this routine.

[0093] 1.3.2. Second operation of the processing unit 21 Figure 14 is a flowchart illustrating an example of the second operation of the processing unit 21 of the management server 20. The second operation of the processing unit 21 will be explained below with reference to Figure 14.

[0094] In step S31, the processing unit 21, functioning as a receiving unit 211, determines whether or not it has received a request to issue a token related to an offline payment code.

[0095] If the request for token issuance related to the offline payment code is not accepted, that is, if the result of the determination in step S31 is negative, the processing unit 21 terminates this routine. In other words, since the request for token issuance related to the offline payment code has not been accepted, the processing unit 21 does not execute the processes from step S32 to step S33.

[0096] On the other hand, if a request for the issuance of a token related to an offline payment code is received, that is, if the determination result in step S21 is positive, the processing unit 21 functions as an issuing unit 212 in step S32 and issues a token related to the offline payment code.

[0097] In step S33, the processing unit 21, by functioning as a notification unit 213, notifies the terminal device 10[k] of the token related to the issued offline payment code via the communication device 23, and then terminates this routine.

[0098] 1.4. Effects of the First Embodiment As described above, the control program PR1 of the terminal device 10[k] according to the first embodiment causes the processing unit 11 of the terminal device 10[k] owned by user U[k] to function as a determination unit 113, an acquisition unit 112, and a display control unit 116. The determination unit 113 determines whether user U[k] is in a logged-in state, where they are logged into the electronic payment service, or in a logged-out state, where they are logged out of the electronic payment service. The electronic payment service is a service related to electronic payments. In the logged-in state, the acquisition unit 112 acquires logout payment information from the management server 20, which is one of the payment codes and is a logout payment code that can be used in the logged-out state. The management server 20 is a server that issues tokens related to payment codes used for electronic payments. In the logged-out state, if a payment operation related to electronic payment is accepted, the display control unit 116 displays a logout payment image 502a showing the logout payment code on the display device 14.

[0099] Since users U[k] may be logged out of the electronic payment service by means of their own actions or intentions, they often realize they are logged out when they attempt to make a payment at a store's cash register. In this configuration, even when logged out, the user U[k] initiates the payment and the logout payment image 502a is displayed on the display device 14. Therefore, users U[k] can make a payment without having to log in at the store's cash register. This improves user convenience.

[0100] Furthermore, the control program PR1 of the terminal device 10[k] according to the first embodiment further causes the processing unit 11 to function as a request unit 114 that requests the management server 20 to issue a token related to the logout payment code when logged in.

[0101] According to this embodiment, since information regarding the logout payment code can be reliably obtained while logged in, even if user U[k] is logged out of the electronic payment service by means of or intention of user U[k], user U[k] can make a payment more reliably without having to log in again at the checkout counter. Therefore, user convenience can be improved.

[0102] Furthermore, the communication status between the terminal device 10[k] and the management server 20 includes an online state in which communication is possible between the terminal device 10[k] and the management server 20, and an offline state in which communication is not possible between the terminal device 10[k] and the management server 20. The display control unit 116 displays the logout payment image 502a on the display device 14 when the terminal device is online and logged out.

[0103] According to this embodiment, even when communication with the management server 20 is possible, the logout payment screen SC2 is displayed when logged out, and no communication is made with the management server 20. Therefore, user U[k] does not need to log in to use the electronic payment service. This improves the convenience for user U[k].

[0104] Furthermore, the communication state between the terminal device 10[k] and the management server 20 includes an online state in which communication is possible between the terminal device 10[k] and the management server 20, and an offline state in which communication is impossible between the terminal device 10[k] and the management server 20. A limited number of uses is set for the logout payment code. The number of uses for the logout payment code and the number of uses for the offline payment code are different. The offline payment code is one of the payment codes and is a code that can be used in an offline state.

[0105] In this configuration, the number of uses for the logout payment code is limited, thereby reducing the risk of fraudulent use. Furthermore, the number of uses for the logout payment code is set to a number appropriate for payments made upon logout.

[0106] Furthermore, the communication state between the terminal device 10[k] and the management server 20 includes an online state in which communication is possible between the terminal device 10[k] and the management server 20, and an offline state in which communication is impossible between the terminal device 10[k] and the management server 20. A validity period is set for the logout payment code. The validity period for the logout payment code is different from that of the online payment code. The offline payment code is one of the payment codes and is a code that can be used in an offline state.

[0107] In this configuration, the logout payment code has a limited validity period, thus reducing the risk of fraudulent use. Furthermore, the validity period of the logout payment code is set to a period suitable for payment at the time of logout.

[0108] Furthermore, the logout payment screen SC2 further includes a guidance button 603 that indicates a button to transition the screen displayed on the display device 14 from the logout payment screen SC2 to the login screen SC3. The logout payment screen SC2 includes a logout payment image 502a. The login screen SC3 is a screen for transitioning the state of the electronic payment service from the logout state to the login state.

[0109] In this embodiment, user U[k] can recognize that they can access the login screen SC3 by operating the guidance button 603. Therefore, user convenience can be improved by preventing repeated logouts.

[0110] Furthermore, the terminal device 10[k] according to the first embodiment is owned by user U[k]. The terminal device 10[k] comprises a determination unit 113, an acquisition unit 112, and a display control unit 116. The determination unit 113 determines whether user U[k] is logged in to the electronic payment service or logged out. The electronic payment service is a service related to electronic payments. In the logged-in state, the acquisition unit 112 acquires logout payment information from the management server 20, which is one of the payment codes and is a logout payment code that can be used in the logout state. The management server 20 is a server that issues tokens related to payment codes used for electronic payments. In the logout state, if a payment operation related to electronic payment is accepted, the display control unit 116 displays a logout payment image 502a showing the logout payment code on the display device 14.

[0111] Since users U[k] may be logged out of the electronic payment service by means of their own actions or intentions, they often realize they are logged out when they attempt to make a payment at a store's cash register. In this configuration, even when logged out, the user U[k] initiates the payment and the logout payment image 502a is displayed on the display device 14. Therefore, users U[k] can make a payment without having to log in at the store's cash register. This improves user convenience.

[0112] Furthermore, the information processing method according to the first embodiment is a method executed by a computer. The information processing method determines whether user U[k] is logged in to the electronic payment service or logged out. In the logged-in state, the information processing method obtains first information from the management server 20. The first information is information about a logout payment code, which is one of the payment codes and is available in the logout state. In the logout state, if a payment operation related to electronic payment is accepted, the information processing method displays a logout payment image 502a on the display device 14. The logout payment image 502a is an image showing a logout payment code.

[0113] Since users U[k] may be logged out of the electronic payment service by means of their own actions or intentions, they often realize they are logged out when they attempt to make a payment at a store's cash register. In this configuration, even when logged out, the user U[k] initiates the payment and the logout payment image 502a is displayed on the display device 14. Therefore, users U[k] can make a payment without having to log in at the store's cash register. This improves user convenience.

[0114] 2. Variations This disclosure is not limited to the embodiments illustrated above. Specific variations are illustrated below. Two or more embodiments may be arbitrarily selected from the following examples and combined. Furthermore, the embodiments described above and the variations described below can be combined arbitrarily as long as they do not contradict each other.

[0115] 2.1. Variation 1 In the first embodiment, a logout payment was performed while logged out, but an offline payment may also be performed while logged out. In this case, the acquisition unit 112 further acquires second information from the management server 20 via the communication device 13 while online and logged in. The second information is one of the payment codes and concerns an offline payment code that is available while offline. When a payment operation related to electronic payment is accepted while logged out, the display control unit 116 may display an offline payment image 502b on the display device 14 instead of the logout payment image 502a. The offline payment screen SC5 includes the offline payment image 502b showing the offline payment code.

[0116] The second information includes, for example, a token indicating an offline payment code. The terminal device 10[k] generates an offline payment image 502b based on the token. The second information may also be the offline payment image 502b instead of the token. In addition to the token, the second information also includes attribute information indicating the number of times the offline payment code can be used and the period during which it can be used.

[0117] According to this embodiment, the logout payment code can be shared with the offline payment code, thereby reducing the processing load.

[0118] 2.2. Variation Example 2 In the first embodiment, the validity period for the logout payment code was set to be different from the validity period for the offline payment code, but the validity period for the logout payment code may be set to be the same as the validity period for the offline payment code.

[0119] Furthermore, in the first embodiment, the number of times the logout payment code could be used was set to be different from the number of times the offline payment code could be used. However, the number of times the logout payment code could be used may be set to be the same as the number of times the offline payment code could be used.

[0120] 2.3. Variation 3 Furthermore, in the first embodiment, the account information database DB1 was stored in the storage device 22 of the management server 20, but the account information database DB1 may also be stored in the storage device of an external server (not shown).

[0121] 3. Others (1) In the embodiments described above, the storage devices 12 and 22 are exemplified by ROM and RAM, but can also be flexible disks, magneto-optical disks (e.g., compact disks, digital multipurpose disks, Blu-ray® disks), smart cards, flash memory devices (e.g., cards, sticks, key drives), CD-ROMs (Compact Disc-ROMs), registers, removable disks, hard disks, floppy® disks, magnetic strips, databases, servers, and other suitable storage media. The program may also be transmitted from a network via a telecommunications line. The program may also be transmitted from a communication network NET via a telecommunications line.

[0122] (2) In the embodiments described above, the information, signals, etc. may be represented using any of the various different techniques. For example, the data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be mentioned throughout the above description may be represented by voltage, current, electromagnetic waves, magnetic fields or magnetic particles, optical fields or photons, or any combination thereof.

[0123] (3) In the embodiments described above, the input and output information may be stored in a specific location (e.g., memory) or managed using a management table. The input and output information may be overwritten, updated, or appended to. The output information may be deleted. The input information may be transmitted to other devices.

[0124] (4) In the embodiments described above, the determination may be made by a value represented using 1 bit (0 or 1), by a boolean value (true or false), or by a numerical comparison (for example, a comparison with a predetermined value).

[0125] (5) The processing procedures, sequences, flowcharts, etc., exemplified in the embodiments described above may be rearranged in order, as long as they do not contradict each other. For example, the methods described in this disclosure present various step elements using an exemplary order and are not limited to the specific order presented.

[0126] (6) Each function illustrated in Figures 1 to 14 is implemented by any combination of at least one of hardware and software. Furthermore, the method of implementing each functional block is not particularly limited. That is, each functional block may be implemented using one device that is physically or logically coupled, or it may be implemented using two or more physically or logically separated devices that are directly or indirectly connected (for example, using wired or wireless connections). A functional block may also be implemented by combining the above one device or the above multiple devices with software.

[0127] (7) The programs illustrated in the embodiments described above should be broadly interpreted to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, functions, etc., whether they are called software, firmware, middleware, microcode, hardware description languages ​​or by other names.

[0128] Furthermore, software, instructions, information, etc., may be transmitted and received via a transmission medium. For example, if software is transmitted from a website, server, or other remote source using at least one of wired technology (such as coaxial cable, fiber optic cable, twisted pair, or digital subscriber line (DSL)) and wireless technology (such as infrared or microwave), then at least one of these wired and wireless technologies is included in the definition of a transmission medium.

[0129] (8) In each of the above-mentioned forms, the terms “system” and “network” shall be used interchangeably.

[0130] (9) The information, parameters, etc. described in this disclosure may be expressed using absolute values, relative values ​​from a given value, or other corresponding information.

[0131] (10) In the embodiments described above, the terminal device 10 may be a mobile station (MS). A mobile station may also be referred to by those skilled in the art as a subscriber station, mobile unit, subscriber unit, wireless unit, remote unit, mobile device, wireless device, wireless communication device, remote device, mobile subscriber station, access terminal, mobile terminal, wireless terminal, remote terminal, handset, user agent, mobile client, client, or several other appropriate terms. In this disclosure, terms such as “mobile station,” “user terminal,” “user equipment (UE),” and “terminal” may be used interchangeably.

[0132] (11) In the embodiments described above, the terms “connected,” “coupled,” or any variation thereof, mean any direct or indirect connection or coupling between two or more elements, and may include the presence of one or more intermediate elements between two elements that are “connected” or “coupled” with each other. The coupling or connection between elements may be a physical coupling or connection, a logical coupling or connection, or a combination thereof. For example, “connection” may be reinterpreted as “access.” As used in this disclosure, two elements may be considered to be “connected” or “coupled” with each other using at least one of one or more wires, cables and printed electrical connections, and, in some non-limiting and non-exclusive examples, electromagnetic energy having wavelengths in the radio frequency domain, microwave domain and optical (both visible and invisible) domain.

[0133] (12) In the embodiments described above, the phrase “based on” does not mean “based solely on” unless otherwise specified. In other words, the phrase “based on” means both “based solely on” and “based at least on.”

[0134] (13) The terms “determining” and “determining” as used in this disclosure may encompass a wide variety of actions. “Determining” may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up, searching, inquiry (e.g., searching in a table, database or other data structure), and ascertaining. “Determining” may also include, for example, receiving (e.g., receiving information), transmitting (e.g., sending information), input, output, and accessing (e.g., accessing data in memory). Furthermore, "judgment" and "decision" can include considering something as having been "judged" or "decided" after resolving, selecting, choosing, establishing, comparing, etc. In other words, "judgment" and "decision" can include considering something as having been "judged" or "decided" after some action. Also, "judgment (decision)" can be reinterpreted as "assuming," "expecting," or "considering."

[0135] (14) Where the terms “include,” “including,” and variations thereof are used in the embodiments described above, these terms are intended to be inclusive, as is the term “comprising.” Furthermore, the term “or” as used in this disclosure is not intended to be exclusive OR.

[0136] (15) In the present disclosure, if articles are added by translation, such as a, an, and the in English, the present disclosure may include the fact that the noun following these articles is plural.

[0137] (16) In this disclosure, the term “A and B are different” may mean “A and B are different from each other.” The term may also mean “A and B are each different from C.” Terms such as “separate” and “combine” may be interpreted in the same way as “different.”

[0138] (17) Each aspect / embodiment described herein may be used individually, in combination, or switched between as needed in practice. Furthermore, notification of certain information (e.g., notification that "X is") is not limited to explicit notification, but may also be implicit (e.g., by not providing such notification).

[0139] Although the present disclosure has been described in detail above, it will be clear to those skilled in the art that the present disclosure is not limited to the embodiments described herein. The present disclosure can be implemented in modified and altered forms without departing from the intent and scope of the present disclosure as defined by the claims. Accordingly, the descriptions in the present disclosure are illustrative and not restrictive in any way. [Explanation of Symbols]

[0140] 1...Electronic payment management system, 10,10[1],10[2],10[k],10[n]...Terminal device, 13...Communication device, 14...Display device, 20...Management server, 111...Reception unit, 112...Acquisition unit, 113...Determination unit, 114...Request unit, 115...Transmission unit, 116...Display control unit, 502a...Logout payment image, 502b...Offline payment image, 603...Guidance button, SC2...Logout payment screen, SC3...Login screen, SC5...Offline payment screen, U[1],U[2],U[k],U[n]...User.

Claims

1. The processing unit of a device owned by the user, A determination unit that determines whether the user is in a first state, where they are logged into a first service related to electronic payments, or a second state, where they are logged out of the first service. In the first state, an acquisition unit acquires first information relating to one of the payment codes, which is a first code usable in the second state, from a management device that issues tokens relating to payment codes used for electronic payment. In the second state, when a payment operation related to the electronic payment is accepted, a display control unit displays a first image showing the first code on a display device, A program for a terminal that enables it to function.

2. The processing device is further made to function as a request unit that requests the management device to issue a token relating to the first code in the first state. The terminal program according to claim 1.

3. The communication state between the terminal and the management device includes a third state in which communication is possible between the terminal and the management device, and a fourth state in which communication is not possible between the terminal and the management device. The display control unit displays the first image in the third state and the second state. The terminal program according to claim 1.

4. The communication state between the terminal and the management device includes a third state in which communication is possible between the terminal and the management device, and a fourth state in which communication is not possible between the terminal and the management device. The first code has a set number of available uses. The number of times the first code can be used is different from the number of times the second code, which is one of the payment codes and is usable in the fourth state, can be used. The terminal program according to claim 1.

5. The communication state between the terminal and the management device includes a third state in which communication is possible between the terminal and the management device, and a fourth state in which communication is not possible between the terminal and the management device. The first code has a set availability period. The period of availability of the first code and the period of availability of the second code, which is one of the payment codes and is available in the fourth state, are different. The terminal program according to claim 1.

6. The communication state between the terminal and the management device includes a third state in which communication is possible between the terminal and the management device, and a fourth state in which communication is not possible between the terminal and the management device. The acquisition unit further acquires second information from the management device regarding one of the payment codes, which is available in the fourth state, in the third state and the first state. In the second state, when a payment operation related to the electronic payment is received, the display control unit displays a second image showing the second code on the display device instead of the first image. The terminal program according to claim 1.

7. The first screen, which includes the first image, further includes a third image showing a button that transitions the screen displayed on the display device from the first screen to a third screen for transitioning the state of the first service from the second state to the first state. The terminal program according to claim 1.

8. Owned by the user, A determination unit that determines whether the user is in a first state, where they are logged into a first service related to electronic payments, or a second state, where they are logged out of the first service. In the first state, an acquisition unit acquires first information relating to one of the payment codes, which is a first code usable in the second state, from a management device that issues tokens relating to payment codes used for electronic payment. In the second state, when a payment operation related to the electronic payment is accepted, a display control unit displays a first image showing the first code on a display device, A terminal equipped with the following features.

9. A method performed by a computer, Determine whether the user is in a first state, where they are logged into a first service related to electronic payments, or a second state, where they are logged out of the first service. In the first state, first information relating to one of the payment codes, which is available in the second state, is obtained from a management device that issues tokens relating to payment codes used for electronic payment. In the second state, when a payment operation related to the electronic payment is accepted, the first image showing the first code is displayed on the display device. Information processing methods.

Images