JP-2026074650-A - Information processing systems, information processing methods, programs, and settlement intermediary devices

JP2026074650AJP 2026074650 AJP2026074650 AJP 2026074650AJP-2026074650-A

Abstract

[Problem] The payment authentication process can be simplified. [Solution] A payment intermediary device installed on a mobile device that receives payment procedures from a user's user payment means and executes payment processing from the user to a business operator comprises: a storage unit that stores identifiable intermediary device identification information; a certificate generation unit that generates an intermediary device certificate, which is information that proves the payment intermediary device has the authority to execute payment processing in relation to the business operator, in association with the intermediary device identification information; and a certificate transmission unit that transmits the intermediary device certificate to the payment intermediary device. [Selection Diagram] Figure 1

Inventors

間下公照
南井享
佐藤毅
野宗智仁

Assignees

株式会社ジェーシービー
トヨタ・コニック・アルファ株式会社

Dates

Publication Date: 20260507
Application Date: 20241021

Claims (8)

A payment intermediary device installed on a mobile device, which receives payment procedures from a user's payment means and executes payment processing from the user to the business operator, includes a storage unit that stores identifiable intermediary device identification information, A certificate generation unit generates an intermediary device certificate, which is information that proves the settlement intermediary device has the authority to perform settlement-related processing in relation to the business operator, in association with the aforementioned intermediary device identification information. A certificate transmission unit that transmits the aforementioned intermediary device certificate to the settlement intermediary device, An information processing system equipped with the following features.
The storage unit stores business identification information that can identify the business operator, The certificate generation unit generates a business certificate, which is information proving that the payment intermediary device is a business capable of executing payments, in association with the business identification information. The aforementioned information processing system is The system further includes a verification unit that verifies whether the settlement intermediary device and the settlement business are in a relationship that allows them to perform settlement-related processing, based on the aforementioned intermediary device certificate and the aforementioned business certificate. The information processing system according to claim 1.
A payment information transmission unit transmits payment information indicating the payment details obtained from the business operator to the payment intermediary device, When transmitting the payment information to the payment intermediary device, a verification unit verifies whether the payment intermediary device is capable of performing payment processing in relation to the business operator, based on the intermediary device certificate stored in the storage unit. The information processing system according to claim 1, further comprising:
A payment information transmission unit transmits payment information indicating the user's payment details, obtained from the aforementioned business operator, to the payment intermediary device. Based on the fact that the payment intermediary device has acquired the payment information, if the payment intermediary device acquires information from the user for executing the payment-related processing, an execution request acquisition unit acquires an execution request from the payment intermediary device to execute the payment indicated by the payment details to the payment service provider. A settlement request unit requests the settlement business operator to process the settlement indicated by the settlement details, based on the verification result, which is the result of the verification unit verifying that the settlement intermediary device is capable of performing settlement-related processing in relation to the business operator, and the execution request. The information processing system according to claim 2 or claim 3, further comprising:
The storage unit stores business identification information that can identify the business equipment of the business operator, The certificate generation unit generates a business certificate, which is information proving that the payment intermediary device is a business capable of executing payments, in association with the business identification information. The information processing system further comprises the settlement intermediary device, The aforementioned settlement intermediary device, A verification result acquisition unit acquires a verification result which is the result of a predetermined server verifying that the settlement intermediary device is capable of performing settlement-related processing in relation to the settlement device, based on the aforementioned intermediary device certificate and the aforementioned business operator certificate. When the verification result is obtained, the payment information acquisition unit acquires payment information indicating the user's payment details from the business operator's device, A processing information acquisition unit obtains information from the user for executing the payment processing based on the acquisition of the aforementioned payment information, An execution request transmission unit transmits an execution request to the payment service provider to perform the payment indicated by the aforementioned payment details to the service provider device, The information processing system according to claim 1, comprising:
A payment intermediary device installed on a mobile device that receives payment procedures from a user's user payment means and executes payment processing from the user to the business operator, The payment intermediary device is Based on the intermediary device certificate, which is information proving that it has the authority to perform settlement-related processing in relation to the aforementioned business operator, the settlement intermediary device and the business operator's device are verified by a predetermined server device to be able to perform the settlement-related processing. The verification result acquisition unit acquires this verification result from the predetermined server device. A payment information acquisition unit that acquires payment information indicating the payment details of the user, A processing information acquisition unit obtains information from the user for executing the payment processing based on the acquisition of the aforementioned payment information, An execution request transmission unit that transmits an execution request to cause a payment service provider to execute the payment indicated by the aforementioned payment details, A payment intermediary device equipped with the following features.
Computers A payment intermediary device installed on a mobile device, which receives payment procedures from a user's payment method and executes payment processing from the user to the business operator, stores identifiable intermediary device identification information. In association with the aforementioned intermediary device identification information, an intermediary device certificate is generated, which is information proving that the settlement intermediary device has the authority to perform settlement-related processing in relation to the business operator. The aforementioned intermediary device certificate is transmitted to the settlement intermediary device, An information processing method that performs the following.
On the computer, A payment intermediary device installed on a mobile device, which receives payment procedures from a user's payment method and executes payment processing from the user to the business operator, stores identifiable intermediary device identification information. In association with the aforementioned intermediary device identification information, an intermediary device certificate is generated, which is information proving that the settlement intermediary device has the authority to perform settlement-related processing in relation to the business operator. The aforementioned intermediary device certificate is transmitted to the settlement intermediary device, A program that executes the command.

Description

This invention relates to an information processing system, an information processing method, a program, and a settlement intermediary device. Conventionally, a payment system is known that enables sales transactions between sellers and buyers using the buyer's mobile communication terminal capable of wireless internet connectivity (for example, Patent Document 1). Special Publication No. 2008-511067 This figure shows an example of the configuration of the payment intermediation system according to this embodiment.This diagram shows the configuration of the intermediary device database D101.This diagram shows the structure of the business database D102.This figure shows an example of the configuration of a settlement intermediation system relating to the first modified example.This figure shows an example of the configuration of a settlement intermediation system related to the second modified example.This is a flowchart of the payment intermediation system's processing.This figure shows an example of a hardware configuration. A preferred embodiment of the present invention will be described with reference to the attached drawings. Figure 1 is a diagram showing an overview of the processing in a payment intermediary system 10, which is one embodiment of the present invention. ===Overview of the settlement intermediation system 10 according to this embodiment=== The payment intermediation system 10 is a system that enables payment between a user and a business operator to be paid via a payment intermediary device (hereinafter referred to as "payment intermediary device 200") installed on a mobile device. In other words, the payment intermediation system 10 enables payment from the user to the payment business operator via the payment intermediary device 200 using a user payment means (hereinafter referred to as "user payment means 400"), without the user having to directly perform payment procedures with the business operator's device (hereinafter referred to as "business operator device 300"). This allows the payment intermediation system 10 to eliminate constraints on payment methods (e.g., credit card brands and money transfer service providers) and payment procedures (e.g., direct procedures at store payment terminals) that depend on the payment equipment of the business being paid, thereby improving user convenience. Examples of mobile devices include private cars, taxis, delivery vehicles, and self-driving cars; drones and delivery robots; bicycles, shared bikes, electric scooters, and motorcycles. The businesses eligible for payment (hereinafter simply referred to as "businesses") include, for example, store operators or groups of stores, passenger and freight transport companies, mobile device management companies, and managers of various infrastructures. Various types of infrastructure include, for example, equipment for supplying power to vehicles and drones (including mobile power supply equipment), traffic lights, gates for parking lots and toll roads, and parking space facilities. The user payment method 400 is, for example, a payment method such as smartphone code payment (including transportation-related payment methods, retail-related payment methods, etc.) or a credit card. The user payment method 400 may also have functions such as displaying a readable code (e.g., a two-dimensional code) and transmitting a device ID via NFC, UWB, or BLE communication. A payment service provider is a business capable of processing payments using user payment methods 400. Examples of payment service providers include credit card companies, money transfer service providers, and transportation companies. <<Overview of the structure>> Referring to Figure 1, an overview of the configuration of the payment intermediation system 10 will be described. Figure 1 is a diagram showing an example of the configuration of the payment intermediation system 10 according to this embodiment. The payment intermediation system 10 includes, for example, a payment platform 100, a payment intermediation device 200, and a business operator device 300. The payment platform 100 has a function to authenticate that, for example, the payment intermediary device 200 and the business operator device 300 are payment-capable devices, and enables users to make payments to businesses using the user payment means 400. The payment platform 100 may be, for example, a cloud computer, a server computer, a personal computer (e.g., desktop, laptop, tablet, etc.), a media computer platform (e.g., cable, satellite set-top box, digital video recorder), a handheld computer device (e.g., PDA, email client, etc.), or other types of computers or communication platforms. The payment intermediary device 200 is a device that has the function of receiving payment procedures from the user's user payment means (hereinafter referred to as "user payment means 400"). Specifically, if the mobile device is a car, the payment intermediary device 200 is a device that i