Code payment confirmation support system, code payment confirmation support method and program

Abstract

To provide a code payment confirmation support system which allows a store clerk to easily determine whether a payment completion window displayed on a portable terminal like a smartphone of a customer is authentic or forged, that is, whether payment processing has been actually completed or not by confirming the payment completion window.SOLUTION: The code payment confirmation support system of the present invention is used in a code payment system which, upon the completion of price payment by electronic money, a payment completion window displayed on a terminal of a payer customer and generated by a payment service provider is observed to confirm the completion of the price payment, and the code payment confirmation support system comprises: an authenticity confirmation information generation unit which generates authenticity confirmation information proving that the payment completion window is a formal window generated by the payment service provider; and an information combination unit which gives the authenticity confirmation information to payment information including the payment completion window to generate payment confirmation support information to be transmitted to the terminal.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a code payment confirmation support system, a code payment confirmation support method, and a program. [Background technology]

[0002] In recent years, the trend towards cashless payments has been growing, and electronic payments using identification codes (code payments) are now being used for paying bills at convenience stores, supermarkets, drugstores, restaurants, and other establishments. Currently, there are two types of code payment: CPM (Customer Presented Mode) and MPM (Merchant Presented Mode). In the CPM system, an identification code displayed on the display screen of a customer's smartphone (or mobile device including tablet devices, etc.) is read by a reader connected to a store terminal, and the fee (payment fee) is paid from the customer's electronic money account linked (associated) to the identification code to an account that the store has registered in advance with a payment service provider (see, for example, Patent Document 1).

[0003] On the other hand, with the MPM system, a customer uses their smartphone to read an identification code that is printed in advance by the store or displayed on the display screen of a store terminal, enters the payment amount in the designated field and submits it. The payment amount is then paid from an electronic money account that the customer has registered in advance with the payment service provider to the store's account linked to the identification code. The MPM system allows electronic money payment processing simply by presenting an identification code at the store (for example, by leaving a printed copy of the identification code), and is easier to implement than the CPM system, so it is used in many stores. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2007-299316 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, with the MPM system, communication only takes place between the customer's smartphone and the payment company, and no communication related to payment takes place between the store terminal and the payment company's account management system. For this reason, with the MPM system, store clerks often confirm the completion of the payment process when paying for a product by visually checking the payment completion screen displayed on the customer's smartphone. Therefore, by misusing this system, it is possible for payment applications on smartphones to be forged, and a false payment completion screen to be displayed that makes it appear as if payment has been made without any payment communication taking place between the customer's smartphone and the payment service provider, resulting in a criminal act that allows people to avoid paying.

[0006] It is possible for a store clerk to check the results of the payment process by inquiring to the payment company based on the payment number, or by viewing the payment status on the Internet using an account previously assigned to the store by the payment company. However, since it is time-consuming to obtain the payment number from the customer and to prepare an environment for checking the results of the customer's payment processing, most stores do not actually carry out the above confirmation procedures.

[0007] The present invention has been made in consideration of the above-mentioned circumstances, and provides a code payment confirmation support system, a code payment confirmation support method, and a program that enable a store clerk to easily determine whether the payment completion screen displayed on a customer's mobile device such as a smartphone is genuine or forged, i.e., whether the payment process has actually been completed or not, by checking the payment completion screen displayed on the customer's mobile device such as a smartphone. [Means for solving the problem]

[0008] In order to solve the above-mentioned problems, the code payment confirmation support system of the present invention is a code payment confirmation support system used in a code payment method that, when a payment of a price by electronic money is completed, confirms the completion of the payment by observing a payment completion screen generated by a payment company and displayed on a terminal of a customer making the payment, and includes an authenticity confirmation information generation unit that generates authenticity confirmation information that proves that the payment completion screen is a legitimate screen generated by the payment company, and an information synthesis unit that adds the authenticity confirmation information to payment information including the payment completion screen and generates payment confirmation support information to be transmitted to the terminal. a material information storage unit for storing a voice synthesis engine and a sound source; The authentication information includes at least an amount to be paid in the payment-related information related to the payment, and outputs different notification information for each payment by voice. The authenticity confirmation information generating unit uses the voice synthesis engine and the sound source to generate the authenticity confirmation information that outputs the notification information by voice. It is characterized by:

[0009] The code payment confirmation support system of the present invention is characterized in that the authenticity confirmation information generation unit generates the authenticity confirmation information in correspondence with payment-related information, which is information related to payment, including information notified on the payment completion screen.

[0011] The code payment confirmation support system of the present invention further includes a material data table indicating the correspondence between specified selection information and the authenticity confirmation information, and the authenticity confirmation information generation unit refers to the material data table to extract authenticity confirmation information corresponding to the selection information obtained from payment-related information related to the payment.

[0012] The code payment confirmation support system of the present invention is characterized in that the selection information is data on the time and day of the week items in the payment-related information.

[0013] The code payment confirmation support system of the present invention is characterized in that the selected information is a calculated value obtained by a predetermined logic from the numerical data in each item of the payment-related information.

[0014] The code payment confirmation support system of the present invention is characterized in that the selection information is different for each of the payment business operators and stores.

[0015] The code payment confirmation support system of the present invention is characterized in that the authenticity confirmation information is information that causes the display format of the payment completion screen to differ for each of the selected information. The code payment confirmation support system of the present invention is characterized in that the authenticity confirmation information is information that displays a different image for each of the selected information on the payment completion screen.

[0016] The code payment confirmation support system of the present invention is characterized in that the authenticity confirmation information is information that displays each of the payment-related information on the payment completion screen in a different font depending on the selected information.

[0017] The code payment confirmation support method of the present invention is a code payment confirmation support method used in a code payment method in which, when a payment of a price by electronic money is completed, a payment completion screen generated by a payment company and displayed on a terminal of a customer making the payment is observed to confirm the completion of the payment of the price, and the method includes an authenticity confirmation information generation step in which an authenticity confirmation information generation unit generates authenticity confirmation information that certifies that the payment completion screen is a legitimate screen generated by the payment company, and an information synthesis step in which an information synthesis unit adds the authenticity confirmation information to payment information including the payment completion screen and generates payment confirmation support information to be transmitted to the terminal. A material information storage process for storing a voice synthesis engine and a voice source; The authentication information includes at least an amount to be paid in the payment-related information related to the payment, and outputs different notification information for each payment by voice. The authenticity confirmation information generating step uses the voice synthesis engine and the sound source to generate the authenticity confirmation information that outputs the notification information by voice. It is characterized by:

[0018] The program of the present invention is a program for operating a computer as a code payment confirmation support system used in a code payment method, which, when a payment of a price by electronic money is completed, confirms the completion of the payment by observing a payment completion screen generated by a payment company and displayed on a terminal of a customer making the payment, and the program comprises: an authenticity confirmation information generating means for generating authenticity confirmation information that proves that the payment completion screen is a legitimate screen generated by the payment company; an information combining means for adding the authenticity confirmation information to information of the payment including the payment completion screen and generating payment confirmation support information to be transmitted to the terminal; a material information storage means for storing a voice synthesis engine and a sound source; and outputting notification information, which is different for each payment, by voice, the notification information including at least the amount to be paid in the payment-related information related to the payment. the authenticity confirmation information generating means uses the voice synthesis engine and the sound source to generate the authenticity confirmation information that outputs the notification information by voice. It is a program. Effect of the Invention

[0019] As described above, according to the present invention, it is possible to provide a code payment confirmation support system, code payment confirmation support method, and program that enable a store clerk to easily determine whether the payment completion screen displayed on a customer's mobile device such as a smartphone is genuine or forged, i.e., whether the payment process has actually been completed. [Brief description of the drawings]

[0020] [Figure 1] 1 is a block diagram showing an example of the configuration of a code payment system using a code payment confirmation support system according to a first embodiment of the present invention. [Diagram 2] A figure showing an example of a payment completion screen generated by an account management system of a payment service provider and displayed on the display screen of a user terminal. [Diagram 3] 1 is a sequence diagram showing an example of the operation of payment processing in an electronic money payment system using the code payment confirmation support system 300 according to this embodiment. FIG. [Figure 4]1 shows an example of the configuration of a rule table and a material data table stored in a material information storage unit 304 of the code payment confirmation support system. [Diagram 5] FIG. 13 is a diagram showing an example of a payment completion screen to which authenticity confirmation information is added according to the present embodiment. [Figure 6] 13 shows another example of the configuration of the material data table stored in the material information storage unit 304 of the code payment confirmation support system in this embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] <First embodiment> Hereinafter, a first embodiment of the present invention will be described with reference to the drawings. Fig. 1 is a block diagram showing an example of the configuration of a barcode (including two-dimensional barcode) payment system using a card management system according to a first embodiment of the present invention. In Fig. 1, the code payment system 1 includes user terminals 100_1 to 100_n, an account management system 200, and a code payment confirmation support system 300. In the code payment system 1, the user terminal 100, the account management system 200, and the code system 300 are each connected by an information and communication network 500 including the Internet.

[0022] In this embodiment, the authenticity confirmation information used to confirm that the payment completion screen in the MPM system is "a (true) image properly generated by the payment business operator at the time the payment of the price is completed" is described as audio. The store clerk is informed in advance by the business entity operating the code payment confirmation support system 300 that when the payment completion screen is displayed on the display screen of the user terminal 100, the payment amount on the payment completion screen will be output (spoken) by audio.

[0023] Therefore, when a store clerk checks the payment completion screen presented by a customer, if the displayed payment amount is output by voice, the store clerk can confirm that the payment completion screen he is checking is legitimate, that is, a screen created by the payment service provider when the payment was truly completed. On the other hand, when a store clerk checks the payment completion screen presented by a customer, if the displayed payment amount is not output by voice, the store clerk can confirm that the payment completion screen he is checking is unauthorized, that is, not an image generated by the payment service provider when the payment was truly completed.

[0024] The user terminal 100_1 comprises a data input / output unit 101, an identification code reading unit 102, a payment control unit 103, a display unit 104, a voice output unit 105, and a storage unit 106. The other user terminals 100_n have the same configuration as the user terminal 100_1. For example, an application program for code payment is installed in the user terminal 100, and the operation of each unit of the user terminal 100 is executed by starting this application. The data input / output unit 101 transmits and receives data via an information and communication network, and also writes and stores payment completion information provided by the code payment confirmation support system 300 in the memory unit 106 .

[0025] The identification code reader 102 reads an identification code presented by the store at the checkout (payment location) where payment is made at the store. Here, the identification code is read by capturing an image of the identification code printed on a printed matter or displayed on a display screen of a cash register or a tablet terminal, using an imaging device (not shown) mounted on the user terminal 100. Then, the identification code reader 102 determines the type of the identification code, and extracts and acquires the identification code information from the captured image.

[0026] Here, the identification code information includes at least the contract store information, the type of business, the transaction currency, the contract store name, the contract store address, the contract store postal code, and a check digit. Contract store information is information (such as a character string) that uniquely identifies the business, brand, store name, and method of displaying the identification code that has introduced the payment service provided by the payment service provider. Industry is a classification based on the products handled as a business, such as clothing, food and drink, accommodation, and transportation. Transaction currency is the type of currency used for payment, such as yen, dollars, and euros. Contract store name is the name of the contracting store. Contract store location is the address of the contracting store. Contract store postal code is the postal code of the contracting store. Check digits are numbers or symbols added according to a certain algorithm to detect errors in numerical sequences such as payment amounts and to prevent fabrication.

[0027] When the application is started, the payment control unit 103 displays on the display unit 104 a message prompting the user to read the identification code. In addition, when the identification code reading unit 102 acquires identification code information, the payment control unit 103 displays on the display unit 104 an input field for the amount to be paid (payment amount) and information input fields for reducing the amount actually paid by the customer to the store, such as coupons and points. The payment control unit 103 then outputs payment request information to the account management system 200 when the payment amount is entered into the amount input field, and if any coupons, points, etc. are used, that information is also entered.

[0028] Here, the payment request information includes at least the transaction category, the issuing company code, the terminal code, the store code, the terminal processing date, the terminal processing time, the approval number, the payment amount, and the payment amount. The transaction category indicates the type of transaction of the request message being sent, such as activate (a request to open a new transaction account with a payment service provider), deposit (a request to charge electronic money to a transaction account), withdrawal (a request to make a payment using electronic money from a transaction account), balance inquiry (a request to inquire about the amount of electronic money in a transaction account), and cancellation (a request to cancel each of the activation, deposit, withdrawal, and balance inquiry requests).

[0029] The issuing company code is information (such as a number sequence) registered in the account management system 200 for uniquely identifying a business that has introduced an electronic payment service using an identification code. The terminal code is information (such as a number sequence) assigned by the payment business to uniquely identify a user's transaction account. The store code is the store code in the contract store information included in the identification code information read by the user terminal 100.

[0030] The terminal processing date is the date when the payment control unit 103 output the payment request information to the account management system 200. The terminal processing time is the time when the payment control unit 103 output the payment request information to the account management system 200. The approval number is a management number assigned by the account management system 200, and does not exist at the time when it is output from the user terminal 100 to the account management system 200. The payment amount is the number sequence entered in the amount input field as the price of the product. The payment amount is the amount actually paid by the customer to the store, with the payment amount deducted by the amount equivalent to the use of coupons and points.

[0031] The display unit 104 is, for example, an image display device such as a color liquid crystal display. The audio output unit 105 is a device that outputs audio, such as a speaker. The storage unit 106 stores application programs for performing payment processing, reference information for identifying the type of identification code (identification code type), and the like.

[0032] The account management system 200 comprises a data input / output unit 201, an account number management unit 202, an account balance management unit 203 and an account information storage unit 204. The data input / output unit 201 transmits and receives data to and from each of the user terminal 100 and the code payment confirmation support system 300 via the information and communication network 500. The account number management unit 202 extracts the terminal code of the user terminal 100 from the payment request information supplied from the user terminal 100 .

[0033] Then, the account number management unit 202 refers to the terminal code (hereinafter referred to as the reference terminal code) in the account table of the account information storage unit 204, and determines whether or not a reference terminal code identical to the extracted terminal code (hereinafter referred to as the extracted terminal code) can be detected. Here, when the account number management unit 202 detects a reference terminal code identical to the extracted terminal code in the account table, it authenticates the user as having an account and being able to use the payment process. On the other hand, when the account number management unit 202 does not detect a reference terminal code identical to the extracted terminal code in the user authentication, it does not authenticate the user as not having an account and being able to use the payment process.

[0034] The account balance management unit 203 manages the amount (balance) of electronic money stored corresponding to the reference terminal code in the account table, for example, performs deposit (amount addition) processing, withdrawal (amount subtraction) processing, and amount confirmation processing. Furthermore, when the withdrawal process of the payment amount is normally completed, the account balance management unit 203 assigns an approval number to indicate that the payment process is completed, and transmits payment completion information to the code payment confirmation support system 300. This payment completion information includes a payment completion screen that is generated by the account balance management unit 203 for each payment and is output to the user terminal 100, indicating that the payment has been completed.

[0035] Here, the payment completion information includes at least each of the payment-related information, such as the issuing company code, terminal code, store code, terminal processing date, terminal processing time, approval number, payment amount, and payment amount, as well as image data of a payment completion screen indicating that the payment has been completed.

[0036] The issuing company code is information (such as a number sequence) registered in the account management system 200 for uniquely identifying a business that has introduced an electronic payment service using an identification code. The terminal code is information (such as a number sequence) assigned by the payment business to uniquely identify a user's transaction account. The store code is the store code in the contract store information included in the identification code information read by the user terminal 100.

[0037] The terminal processing date is the date when the payment control unit 103 output the payment request information to the account management system 200. The terminal processing time is the time when the payment control unit 103 output the payment request information to the account management system 200. The approval number is a management number assigned by the account management system 200 in response to a transaction. The payment amount is a number sequence entered in the amount input field as the price of the product. The payment amount is a number sequence indicating the amount the customer actually pays to the store, with the payment amount deducted by the amount equivalent to the use of coupons and points.

[0038] FIG. 2 is a diagram showing an example of a payment completion screen generated by an account management system of a payment service provider and displayed on the display screen of a user terminal. In FIG. 2, on a display screen 104S of the display unit 104, for example, a character image 601, a character image 602, a character image 603, and a character image 604 are displayed. The text image 601 is an image of a character string indicating the completion of payment, such as "Payment Completed," which indicates that the code payment process using electronic money has been successfully completed. Here, the payment amount "1,234 yen" is displayed as audible in text image 603. The payment amount is "634 yen" because, of the payment amount "1,234 yen", 100 yen (100P) of points have been used and 500 yen of coupons have been used, as shown in text image 604.

[0039] Furthermore, character image 602 is an image of a character string indicating the store name in the payment completion information. Character image 603 is an image of a character string indicating the payment amount in the payment completion information. The text image 603 is an image of a string of characters indicating information associated with the payment, such as the number of points used in the payment, the amount of the coupon used, the number of points acquired in the payment, and the transaction date and time (terminal processing date, terminal processing time).

[0040] The account information storage unit 204 stores the above-mentioned account table in which the terminal code and the balance of electronic money are associated with each other.

[0041] The code payment confirmation support system 300 comprises a data input / output unit 301, an authenticity confirmation information generation unit 302, an information synthesis unit 303, and a material information storage unit 304. The data input / output unit 301 transmits and receives data to and from the user terminal 100 and the account management system 200 via the information communication network 500 .

[0042] The authenticity confirmation information generating unit 302 generates authenticity confirmation information for verifying that the payment completion screen is a screen that has been properly created by the account management system 200 of the payment business operator. In this embodiment, the authenticity confirmation information is voice data of the payment amount in the payment-related information. Therefore, the authenticity verification information generation unit 302 generates voice data that reads out the numbers of the payment amount (corresponding to the character image 603 in Figure 2) included in the payment completion information using a voice synthesis engine (program) and sound source stored in the material information storage unit 304. The payment amount is information that differs for each payment at the store where it is used, and is not fixed information as a template like character image 601 and character image 602.

[0043] In addition, the payment amount is not finalized until the product is paid for, and since it is difficult to prepare voice data in advance, if the store clerk cannot hear the payment amount being read out loud, he or she can recognize that the payment completion screen has not been created properly. Furthermore, in the case of synthesized voice, the frequency and intonation of the voice generated varies depending on the type of voice synthesis engine and sound source, so it is possible to recognize that the voice is different from voices generated by other combinations of voice synthesis engines and sound sources.

[0044] The information synthesis unit 303 synthesizes the above voice data as authenticity confirmation information with the payment completion information including the payment completion screen supplied from the account management system 200, and generates payment confirmation assistance information. Then, the information synthesis unit 303 outputs the generated payment confirmation assistance information to the user terminal 100 via the data input / output unit 301.

[0045] FIG. 3 is a sequence diagram showing an example of the operation of payment processing in a code payment system using the code payment confirmation support system 300 according to this embodiment. Step S101: A customer selects an item to purchase in a store, and when paying for the item by code payment at the store's payment location, the customer launches an application for making the payment.

[0046] Then, following the instructions on the startup screen displayed on the display unit 104 of the user terminal 100 by the payment control unit 103, the customer uses an imaging device installed in the user terminal 100 to capture an image of an identification code (a printed matter or an image displayed on the display screen of the register or tablet terminal) installed near the cash register (e.g., a POS (point of sales system) register) that performs the accounting process at the payment location. As a result, the identification code reader 102 determines the type of the identification code and obtains information according to the type of the captured identification code.

[0047] Step S102: When the identification code information is acquired, the payment control unit 103 displays on the display unit 104 of the user terminal 100 an amount input field for inputting the payment amount for the product, as well as information input fields for reducing the amount the customer actually pays to the store, such as coupon usage information (information indicating the amount of the payment amount to be paid using a coupon) and point usage information (information indicating the amount of the payment amount to be paid using points). The customer inputs the amount displayed on the store's register into the amount input field displayed on the display unit 104 of the user terminal 100. If the customer wishes to use coupons or points, the customer also inputs such information into the appropriate input fields.

[0048] Step S103: The payment control unit 103 outputs payment request information to the account management system 200 via the data input / output unit 101, the payment request information including the payment amount entered in the amount input field and the payment amount deducted from the payment amount by the amount equivalent to the use of coupons or points.

[0049] Step S104: The account number management unit 202 extracts the terminal code from the payment request information input via the data input / output unit 201 . Then, account number management section 202 refers to the authentication table in account information storage section 204, and searches to confirm whether or not there is a reference terminal code that is the same as the extracted terminal code, which is the extracted terminal code.

[0050] At this time, if the account number management unit 202 detects a reference terminal code identical to the extracted terminal code in the account table of the account information storage unit 204, it determines that the extracted terminal code is registered and the account exists, and proceeds to step S105Y. On the other hand, if the account number management unit 202 does not detect a reference terminal code identical to the extracted terminal code in the account table of the account information storage unit 204, it determines that the extracted terminal code is not registered and the account does not exist, and proceeds to step S105N.

[0051] Step S105Y: The account number management section 202 requests the account balance management section 203 to update the balance based on the payment amount in the settlement request information. As a result, the account balance management unit 203 reads out the balance corresponding to the reference terminal code that is the same as the extracted terminal code, from the account table in the account information storage unit 204. Then, the account balance management unit 203 compares the balance corresponding to the reference terminal code with the payment in the payment request information, and determines whether the account balance is equal to or greater than the payment amount.

[0052] At this time, if the account balance is greater than or equal to the payment amount, the account balance management unit 203 subtracts the payment amount from the balance corresponding to the detected reference terminal code, and overwrites the subtraction result as the new balance in the account table, updating the amount. Furthermore, if the transaction category in the settlement request information is "withdrawal", the account balance management unit 203 advances the process to step S106Y, and if the transaction category is other than "withdrawal", the process advances to step S107. On the other hand, if the account balance is less than the payment amount, the account balance management unit 203 does not subtract the payment amount from the balance corresponding to the detected reference terminal code, i.e., does not update the balance in the account table, and proceeds to step 106N.

[0053] Step S105N: Since there is no reference terminal code in the account management table that matches the extracted terminal code, account number management unit 202 notifies user terminal 100 that the terminal code is not registered.

[0054] Step S106Y: The account balance management unit 203 generates a payment completion screen to be output to the user terminal 100, indicating that the payment has been completed. Then, the account balance management unit 203 assigns an approval number to the completed payment process, and transmits payment completion information including the above-mentioned payment completion screen to the code payment confirmation support system 300.

[0055] Step S106N: Since the balance in the account management table is not sufficient to cover the payment amount, account balance management section 203 notifies user terminal 100 that the account corresponding to user terminal 100 has an insufficient balance to cover the payment amount.

[0056] Step S107: The account balance management unit 203 generates a payment completion screen indicating that the payment has been completed, and transmits it to the user terminal 100.

[0057] Step S108: The authenticity confirmation information generating unit 302 generates voice data that reads out the figures of the payment amount included in the payment completion information using a voice synthesis engine and a sound source stored in the material information storage unit 304, and uses this voice data as authenticity confirmation information.

[0058] Step S109: The authenticity confirmation information synthesis unit 302 synthesizes the payment completion information including the payment completion screen supplied from the account management system 200 and the authenticity confirmation information of the generated voice data, to generate payment confirmation assistance information.

[0059] Step S110: The information synthesis unit 303 outputs the generated payment confirmation assistance information to the user terminal 100 via the data input / output unit 301 .

[0060] Step S111: The payment control unit 103 acquires payment confirmation support information provided from the code payment confirmation support system 300 via the data input / output unit 101. Then, the payment control unit 103 displays a payment completion screen in the payment confirmation support information on the display screen of the display unit 104, and outputs audio data of the payment amount from the audio output unit 105 as audio.

[0061] The store clerk confirms the notification indicating that the payment has been completed by the payment completion screen displayed on the display screen of the user terminal 100 and the payment amount output as voice. At this time, the store clerk is notified of the payment amount by voice along with the payment completion screen, so that the store clerk can confirm that the payment completion screen he is checking is legitimate, i.e., that the payment has truly been completed. On the other hand, if a store clerk sees the payment completion screen displayed but there is no audio notification of the payment amount, the store clerk can determine that the payment completion screen they are checking is not legitimate, in other words, that the screen being displayed is a forged screen.

[0062] With the above-described configuration, according to this embodiment, audio is added to the payment completion screen as authenticity confirmation information to confirm that the payment completion screen is genuine, and the store clerk is aware in advance that the payment amount will be output as an audio when the genuine payment completion screen is displayed. Therefore, if the displayed payment amount is output as an audio when the payment completion screen is displayed, it is possible to confirm that the payment completion screen presented by the customer has been genuinely generated by the account management system, in other words, that it is the payment completion screen that is displayed because the payment has truly been completed, making it easy to confirm fraudulent payment processing due to a forged payment completion screen in the MPM method.

[0063] Furthermore, according to this embodiment, audio data is added to the payment completion screen, and when the payment completion screen is displayed on the user terminal 100, the authenticity of the payment completion screen can be confirmed simply by outputting the audio from the user terminal 100. This eliminates the need to install new equipment in the store, and allows for easy and inexpensive use.

[0064] In addition, in this embodiment, the code payment confirmation support system 300 and the account management system 200 are described as having different configurations, but the account management system 200 may also be configured to have the functions of the code payment confirmation support system 300.

[0065] <Second embodiment> The second embodiment of the present invention will be described below with reference to the drawings. The code payment confirmation support system of the second embodiment has a similar configuration to the code payment confirmation support system 300 according to the first embodiment shown in Fig. 1. The operation of the code payment confirmation support system according to the second embodiment, which differs from the first embodiment, will be described below. The code payment confirmation support system of the second embodiment generates different authenticity confirmation information in response to differences in payment-related information contained in the payment completion information at the time of payment, as opposed to the operation of outputting the payment amount by voice in the first embodiment.

[0066] FIG. 4 shows an example of the structure of the rule table and the material data table stored in the material information storage unit 304 of the code payment confirmation support system. FIG. 4(a) shows an example of the structure of a rule table, and FIG. 4(b) shows an example of the structure of a material table. In the rule table of Fig. 4(a), if each piece of payment-related information included in the payment completion information at the time of payment is defined as condition information, the selection information is information (sequence) determined by a combination of condition information (hereinafter, condition combination) previously registered in the code payment confirmation support system 300. Also, in the material table of Fig. 4(b), the relationship between the authenticity confirmation information registered in the code payment confirmation support system 300 (or the type of authenticity confirmation information and an index indicating the memory area in which the data file of the authenticity confirmation information is stored) and the information corresponding to that authenticity confirmation information (hereinafter, selection information) is described.

[0067] The condition information includes, for example, the issuing company code, store code, terminal code, the date when the payment is made (including the terminal processing date and day of the week), the time period (terminal processing time), the payment approval number, a numerical value obtained by a specified formula, etc. When the condition combination in the rule table is only the day of the week, the selection information is set for each of the days from Sunday to Saturday, so the number of records in the material table is seven.

[0068] Also, when the condition combination is only the time period, the selection information can be arbitrarily set, for example, to switch every hour in a 24-hour cycle, or to switch every three hours. When switching the selection information every hour in a 24-hour cycle, the material data table has one record. The selection information may be any one or a combination of the issuing company code, store code, terminal code, terminal processing date, terminal processing time, approval number, and the like, or may be set arbitrarily.

[0069] The authenticity verification information may be any type of data, such as an image (still image, moving image (live action, animation, etc.)), a specified string of characters, information that changes the display format of the payment completion screen including the font of the text image on the payment completion screen, or audio in the first embodiment, as long as the display format has characteristics that allow store staff to easily detect the authenticity verification information. The still images include a variety of images such as dogs, cats, horses, castles, etc. The moving images include a variety of images such as a car driving or a windmill spinning. The character strings include a variety of text images such as "We look forward to your next visit" and "Thank you for your purchase." In the case of voice, there are a number of types of voice data with different frequencies and intonations, such as adult males and females, and children, such as boys and girls.

[0070] Fig. 5 is a diagram showing an example of a payment completion screen to which authenticity confirmation information according to this embodiment is added. In Fig. 5, an authenticity confirmation information display area 605 is added to the payment completion screen of Fig. 2. The authenticity confirmation information display area 605 is used when the authenticity confirmation information is a still image, a moving image, or a predetermined character string. It is not used when the authenticity confirmation information is audio. When the authenticity verification information is a font, one of the fonts of character images 601 to 604 or a combination of fonts is set.

[0071] The authenticity confirmation information generating unit 302 acquires condition information corresponding to the payment from the payment completion information. If the condition information is set by day of the week, the authenticity confirmation information generating unit 302 sets the day of the week on which the payment is made as the condition information. Then, the authenticity verification information generation unit 302 refers to the material data table in the material information storage unit 304, and if the condition combination is Tuesday, performs processing such as reading out selection information corresponding to Tuesday, such as image data or generating audio data. When the authenticity verification information is an image, the information synthesis unit 303 synthesizes the payment completion screen of Figure 2 supplied from the account management system 200 with the application confirmation information so as to be displayed in the authenticity verification information display area 605 of Figure 5, thereby generating payment confirmation support information.

[0072] FIG. 6 shows another example of the configuration of the material data table stored in the material information storage unit 304 of the code payment confirmation support system in this embodiment. In Fig. 6, the condition combination is set by each condition information of the issuing company code, the store code, the terminal code, and the display time period. As the selection information, 24 types from authenticity confirmation information "1" to authenticity confirmation information "24" are set in the column under "Selection information for each time period" corresponding to each time period. The issuing company code is the same as the issuing company code in the payment completion information, and is information for uniquely identifying the business that has implemented the payment service provided by the payment service provider. The store code is the same as the store code in the payment completion information, and is information for uniquely identifying the store. The time period is set to every hour. Also, a terminal code may be used as a condition in the condition combination. The terminal code is set as the first three digits of the terminal code in the payment completion information.

[0073] In FIG. 6, the condition combination is set as a configuration of a combination of condition information that differs for each issuing company. For example, for the issuing company code "1234567", selection information is set corresponding to each combination of store code, terminal code, and time period. Furthermore, for each terminal code, the correspondence between time periods and selection information is set in a 24-hour cycle so that the selection information corresponding to the time period is not the same for each combination of store code and terminal code parameters. The setting of the selection information for the issuing company code "1234567" is an example in which the highest security level is set because the authenticity verification information corresponding to the selection information differs if the user terminal is different at the same store and at the same time.

[0074] In addition, for the issuing company code "2345678", selection information is set for each combination of store code and time period. Furthermore, in the same time period divided into hourly intervals, different selection information is set for each store code in a 24-hour cycle. In addition, for each hour, the issuing company codes "3456789" and "4567890" have selection information set in accordance with the condition combination for each time period. Therefore, in the same time period divided into hourly intervals, the same selection information is set in a 24-hour cycle regardless of differences in store codes and terminal codes.

[0075] As shown in Figure 6 above, if the rules for condition combination are made different for each issuing company (business that has introduced the payment service provided by the payment business operator), the condition information as parameters that make up the condition combination is only recognized by each of the issuing company, the payment business operator, and the operating company of the code payment confirmation support system 300 (or the system operator at the operating company), making it possible to improve the security level. In addition, by changing the rules periodically (for example, once a month) or by changing the correspondence between the condition combinations and the selected information, it is possible to operate the code payment confirmation support system 300 while maintaining a consistently high level of security.

[0076] The authenticity confirmation information generating unit 302 extracts the issuing company code from the payment completion information, and refers to the rule table stored in the material information storage unit 304 . Then, the authenticity confirmation information generating unit 302 reads out the type of condition information as a parameter constituting the condition combination in the issuing company code, and extracts the corresponding parameter from the payment completion information. The authenticity confirmation information generating unit 302 generates a condition combination for reading selection information corresponding to the user terminal 100 that will make the payment, based on a combination of the extracted parameters.

[0077] The authenticity confirmation information generating unit 302 refers to the rule table, reads and acquires selection information corresponding to the generated condition combination, and then reads authenticity confirmation information corresponding to the selection information from the material table and provides it to the information synthesizing unit 303. Then, the information synthesis unit 303 adds the authenticity confirmation information provided by the authenticity confirmation information generation unit 302 to the payment completion information, or reflects the authenticity confirmation information in the payment completion screen in the payment completion information, thereby generating payment completion support information. The information synthesis unit 303 outputs the generated payment completion support information to the user terminal 100.

[0078] In this embodiment, the authenticity confirmation information that is added to the above-mentioned payment completion information or reflected on the payment completion screen in the payment completion information is provided to each store in advance. In Figures 4 and 6, for example, when the condition information as a parameter constituting a condition combination is a day of the week or a time period, information indicating what kind of authenticity verification information is set for the day of the week or the time period is notified in advance to each store operating the code payment system. One example would be a file that contains authenticity verification information, such as images, character strings, and audio, corresponding to each day of the week in the condition information, in a manner that allows each store that receives the services of the code payment verification support system to confirm the authenticity.

[0079] An example of the file is, for example, a printout on which a condition combination and an image displayed corresponding to the condition combination are printed if the authenticity confirmation information is an image. For example, a printout on which a condition combination and a character image displayed for the condition combination are printed if the authenticity confirmation information is a character string. For example, a printout on which a condition combination and the characteristics of the voice generated for the condition combination (such as female, male, girl, boy, etc.) are printed if the authenticity confirmation information is a sound. In addition, data indicating the correspondence between the condition information in the booklet and the authenticity verification information can be written to a recording medium such as a CD-ROM (compact disc read only memory), a DVD (digital versatile disc) memory, or a USB (universal serial bus) memory, and distributed in advance to each of the stores that will receive the services of the code payment verification support system 300 of this embodiment.

[0080] In addition, the information synthesis unit 303 may be configured to display authenticity verification information that is added to the image data of the payment completion screen based on the current timing on the display screen of each terminal in the store, in accordance with the material data tables of Figures 4 and 6.

[0081] Also, a store clerk uses a specified terminal to read an image of the payment completion screen displayed on the display screen of the user terminal 100, and outputs the read image (captured image) to the code payment confirmation support system 300. The information synthesis unit 303 then performs image recognition on the captured image provided from the store terminal, detects whether or not it is an image (or a text image) based on authenticity confirmation information at the current timing, and may return the result to the store terminal.

[0082] An example of a case where selection information is calculated from a formula using condition information as a parameter constituting a condition combination will be described below. The condition information includes a card issuing company code, a store code, a terminal code, a terminal processing date, and a terminal processing time. The authenticity confirmation information generating unit 302 extracts the numerical values ​​of the card issuing company code, the store code, the first three digits of the terminal code, the first four digits of the terminal processing date, and the terminal processing time from the payment completion information.

[0083] Then, the authenticity confirmation information generating unit 302 adds together the numerical values ​​of the card issuing company code, the store code, the first three digits of the terminal code, the first four digits of the terminal processing date, and the terminal processing time. The authenticity verification information generating unit 302 divides the sum obtained as a result of the addition by the total number of pieces of selection information registered in the material data table of the material information storing unit 304 . The authenticity confirmation information generating unit 302 adds "1" to the remainder (z) obtained as a result of the division (z+1) to calculate a calculation value (x=z+1) to be used as selection information.

[0084] For example, if the issuing company code is "1234567", the store code is "050", the terminal code is "121", the terminal processing date is "20200107 (January 7, 2020)", and the terminal processing time is "214235 (21:42:35)", the added value is "21436987". If the total number of selected information in the material data table registered in the material information storage unit 304 is "24", "21436987 / 24" is calculated, the quotient is "893207", and the remainder (z) is "19", so the selected information is calculated as "19+1", which gives "20".

[0085] As a result, the authenticity confirmation information generating unit 302 refers to the material data table in the material information storage unit 304 in FIG. 4, searches for and reads out the authenticity confirmation information corresponding to the selection information "20". Only a human being who is aware of the above mentioned calculation logic can generate the correspondence between the selection information and the authentication information. Therefore, by periodically changing the logic, the correspondence between the selection information and the authenticity confirmation information is updated, making it difficult to forge the authenticity confirmation information used to determine the authenticity of the payment completion screen, thereby improving security by determining the authenticity of the payment completion screen.

[0086] With the above-described configuration, according to this embodiment, images (still images, moving images, text images) and audio are added to the payment completion screen as authenticity confirmation information to confirm that the payment completion screen is genuine, and when the genuine payment completion screen is displayed to the store clerk, the store clerk will know in advance which authenticity confirmation information has been added at that time.Therefore, when the payment completion screen is displayed, by checking the authenticity confirmation information on the displayed payment completion screen, it is possible to confirm whether the payment completion screen presented by the customer was genuinely generated in the account management system.

[0087] In other words, according to this embodiment, by checking the payment completion screen on the display screen of the user terminal, or by listening to the audio output when the payment completion screen is displayed, it is possible to confirm that the payment completion screen currently being viewed is displayed as a result of a payment being truly (actually) completed, and it is easy to determine the authenticity of the payment completion screen displayed in payment processing using the MPM method, i.e., to confirm whether the payment processing has been performed normally or not.

[0088] For example, when the authenticity confirmation information corresponding to the selection information set by the payment completion information is set to a moving image of a dog, if a moving image of a dog is confirmed in the authenticity confirmation information display area 605 on the payment completion screen displayed on the display screen 104S of the user terminal 100, a store clerk can easily detect that the payment completion screen is authentic (a legitimate image generated by the payment service provider). On the other hand, when the authenticity verification information corresponding to the selected information set by the payment completion information is set to a moving image of a dog, if a still image of a cat is observed in the authenticity verification information display area 605 on the payment completion screen displayed on the display screen 104S of the user terminal 100, the store clerk can easily detect that the payment completion screen is fake (is not a legitimate image generated by the payment service provider).

[0089] Furthermore, in this embodiment, selection information is obtained according to predetermined rules in response to parameters such as the issuing company code, store code, terminal code, terminal processing date, and terminal processing time contained in the payment completion information, and authenticity confirmation information set for each selection information is added to the payment completion screen, making it possible to vary the authenticity confirmation information in response to changes in the condition information. Therefore, according to this embodiment, different authenticity confirmation information is set for each timing of payment, making it difficult for customers to predict the current authenticity confirmation information and making it difficult to forge a payment completion screen, thereby preventing people from trying to avoid paying for goods by forging a payment completion screen.

[0090] On the other hand, according to this embodiment, the store clerk is notified in advance which of the multiple pieces of authenticity confirmation information will be used, and when the payment completion screen is displayed on the display screen 104S of the customer's user terminal 100, the store clerk can easily determine the authenticity of the payment completion screen displayed on the display screen 104S of the user terminal 100 by checking whether an image corresponding to the previously notified authenticity confirmation information is displayed in the authenticity confirmation information display area 605, or whether a voice corresponding to the previously notified authenticity confirmation information is spoken.

[0091] In addition, a program for implementing the functions of the code payment confirmation support system 300 of the present invention shown in Fig. 1 may be recorded on a computer-readable recording medium, and the program recorded on the recording medium may be read into a computer system and executed to perform processing to support a store clerk in determining the authenticity of the payment completion screen displayed on the display screen of a user terminal. Note that the "computer system" referred to here includes hardware such as the OS and peripheral devices.

[0092] Additionally, "computer system" also includes WWW systems equipped with a homepage providing environment (or display environment). Additionally, "computer-readable recording medium" refers to portable media such as flexible disks, optical magnetic disks, ROMs, and CD-ROMs, as well as storage devices such as hard disks built into computer systems. Furthermore, "computer-readable recording medium" also includes devices that hold programs for a certain period of time, such as volatile memory (RAM) within computer systems that act as servers or clients when a program is transmitted via a network such as the Internet or a communication line such as a telephone line.

[0093] The above program may also be transmitted from a computer system in which the program is stored in a storage device or the like to another computer system via a transmission medium, or by transmission waves in the transmission medium. Here, the "transmission medium" that transmits the program refers to a medium that has the function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The above program may also be for realizing part of the above-mentioned functions. Furthermore, it may be a so-called difference file (difference program) that can realize the above-mentioned functions in combination with a program already recorded in the computer system. [Explanation of symbols]

[0094] 100_1,100_n...User terminal 101, 201, 301...Data input / output section 102...Identification code reader 103...Payment control unit 104...Display section 105...Audio output section 106...Storage section 200...Account management system 202...Account Number Management Department 203…Account Balance Management Department 204...Account information storage unit 300…Code payment confirmation support system 302…True confirmation information generation unit 303…Information synthesis unit 304…Material information storage unit 500…Information communication network

Claims

1. A code payment confirmation support system used in a code payment method, which, when a payment of a price by electronic money is completed, confirms the completion of the payment by observing a payment completion screen generated by a payment service provider and displayed on a terminal of a customer making the payment, an authenticity confirmation information generating unit that generates authenticity confirmation information that certifies that the payment completion screen is a legitimate screen generated by the payment service provider; an information synthesis unit that adds the authenticity confirmation information to payment information including the payment completion screen to generate payment confirmation support information to be transmitted to the terminal; A material information storage unit that stores a voice synthesis engine and a sound source; Equipped with The authentication information includes outputting notification information by voice that is different for each payment, the notification information including at least the amount of payment in the payment-related information related to the payment; The authenticity confirmation information generating unit uses the voice synthesis engine and the sound source to generate the authenticity confirmation information that outputs the notification information by voice. A code payment confirmation support system characterized by:

2. An authenticity confirmation information generating unit generates the authenticity confirmation information in correspondence with payment-related information, which is information related to the payment including information notified on the payment completion screen.

2. The code payment confirmation support system according to claim 1.

3. Further comprising a material data table showing a correspondence between predetermined selection information and the authenticity confirmation information, The authenticity confirmation information generating unit refers to the material data table and extracts the authenticity confirmation information corresponding to the selection information determined by payment-related information related to the payment.

3. The code payment confirmation support system according to claim 1 or 2.

4. The selection information is data of the items of time and day of the week in the payment-related information.

4. The code payment confirmation support system according to claim 3.

5. The selection information is a calculated value obtained by a predetermined logic from the numerical data of each item of the payment-related information.

4. The code payment confirmation support system according to claim 3.

6. The selection information is different for each of the payment service providers and the stores. The code payment confirmation support system according to any one of claims 3 to 5.

7. The authenticity confirmation information is information for changing the display form of the payment completion screen for each of the selected information. The code payment confirmation support system according to any one of claims 3 to 6.

8. The authenticity confirmation information is information for displaying a different image on the payment completion screen for each of the selected information. The code payment confirmation support system according to any one of claims 3 to 7.

9. The authentication information is information for displaying each of the payment-related information on the payment completion screen in a different font depending on the selected information. The code payment confirmation support system according to any one of claims 3 to 7.

10. A code payment confirmation support method used in a code payment method, which confirms the completion of payment by observing a payment completion screen generated by a payment service provider and displayed on a terminal of a customer making the payment when the payment by electronic money is completed, an authenticity verification information generating step in which an authenticity verification information generating unit generates authenticity verification information for verifying that the payment completion screen is a legitimate screen generated by the payment service provider; an information synthesis step of generating payment confirmation support information to be transmitted to the terminal by an information synthesis unit adding the authenticity confirmation information to payment information including the payment completion screen; A material information storage process for storing a voice synthesis engine and a voice source; Including, The authentication information includes outputting notification information by voice that is different for each payment, the notification information including at least the amount to be paid in the payment-related information related to the payment; The authenticity confirmation information generating step uses the voice synthesis engine and the sound source to generate the authenticity confirmation information that outputs the notification information by voice. A code payment confirmation support method.

11. A program for operating a computer as a code payment confirmation support system used in a code payment method, which, when a payment of a price by electronic money is completed, confirms the completion of the payment by observing a payment completion screen generated by a payment service provider and displayed on a terminal of a customer making the payment, The computer, an authenticity confirmation information generating means for generating authenticity confirmation information for certifying that the payment completion screen is a legitimate screen generated by the payment business operator; an information synthesis means for generating payment confirmation support information to be transmitted to the terminal by adding the authenticity confirmation information to payment information including the payment completion screen; A material information storage means for storing a voice synthesis engine and a voice source; Operate as The authentication information includes outputting notification information by voice that is different for each payment, the notification information including at least the amount to be paid in the payment-related information related to the payment; the authenticity confirmation information generating means uses the voice synthesis engine and the sound source to generate the authenticity confirmation information that outputs the notification information by voice; program.

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