Search

JP-2026076053-A - Information processing device, control method, and control program

JP2026076053AJP 2026076053 AJP2026076053 AJP 2026076053AJP-2026076053-A

Abstract

[Problem] In code-based payment systems where payment functions are used by users other than the user, the objective is to provide an information processing device that allows other users to use the payment function in a secure manner. [Solution] In a payment system, an information processing device 10 that issues a payment code for withdrawing a payment amount from the account of a first user to a second user terminal of a second user associated with the first user includes: an issuance request acquisition unit 132 that acquires a payment code issuance request from the second user terminal; a token transmission unit 134 that transmits a payment token for generating a payment code to the second user terminal when a first determination unit 133 determines that a first predetermined condition is met; a payment information acquisition unit 135 that acquires a payment token and payment information at the store from the store terminal; and a payment execution unit 137 that executes a payment based on the payment information when a second determination unit 136 determines that a second predetermined condition different from the first predetermined condition is met. [Selection Diagram] Figure 3

Inventors

  • 多山 哲郎
  • 清水 遼

Assignees

  • 株式会社ＮＴＴドコモ

Dates

Publication Date
20260511
Application Date
20241023

Claims (9)

  1. An information processing device that issues a settlement code for withdrawing a settlement amount from an account managed by the first user to a second user terminal used by the second user associated with the first user, An issuance request acquisition unit obtains a request from the second user terminal to issue the payment code for the second user to make a payment at the store, A first determination unit that determines whether or not a first predetermined condition corresponding to the second user, set by the first user, is met, When the first determination unit determines that the first predetermined condition is met, a token transmission unit transmits a payment token for generating the payment code to the second user terminal, A payment information acquisition unit acquires the payment token and the payment information of the second user at the store from a store terminal that reads the payment code displayed by the second user terminal based on the payment token. A second determination unit that determines whether a second predetermined condition, which is different from the first predetermined condition, is met, which is set by the first user and corresponds to the second user, When the second determination unit determines that the second predetermined condition is met, a payment execution unit executes a payment based on the payment information received from the store terminal, An information processing device having
  2. The first determination unit is, (i) When the request for issuance of the payment code from the second user terminal is obtained at a predetermined date and time, (ii) When the location of the second user terminal is within a predetermined range at the time of obtaining the request for issuance of the payment code, (iii) If the number of payments made by the second user terminal within a predetermined period is less than or equal to a predetermined number, (iv) If the total amount of payments made by the second user terminal within the specified period is less than or equal to the specified amount, The information processing apparatus according to claim 1, which determines that the first predetermined condition is satisfied in at least one of the following cases.
  3. The information processing device according to claim 1, wherein the second determination unit determines that the second predetermined condition is met when it obtains information indicating permission to execute the payment from the first user terminal used by the first user.
  4. The system further includes an information transmission unit that transmits at least one of the store type information or payment amount information included in the payment information acquired from the store terminal to a first user terminal used by the first user. The information processing device according to claim 1, wherein the second determination unit determines that the second predetermined condition is met when it obtains information from the first user terminal indicating permission to execute the payment.
  5. The second determination unit described above is: (i) If the store type included in the payment information satisfies the conditions set in advance, (ii) If the payment amount included in the payment information is less than or equal to a predetermined amount, The information processing apparatus according to claim 1, which determines that the second predetermined condition is satisfied in at least one of the cases.
  6. The system further includes a generation request acquisition unit that acquires a generation request for a second payment code, which can be used even if at least one of the first predetermined conditions or the second predetermined conditions is not met, from a first user terminal used by the first user. The token transmission unit, when the generation request acquisition unit acquires the generation request for the second payment code from the first user terminal, If the second payment code is usable even if the first predetermined condition is not met, the second payment token for generating the generated second payment code is transmitted to the second user terminal without the first determination unit determining the first predetermined condition. The settlement execution unit, if the second settlement code is usable even if the second predetermined condition is not met, The information processing device according to claim 1, which performs the payment based on the payment information received from the store terminal without receiving a determination of the second predetermined condition by the second determination unit.
  7. The information processing apparatus according to claim 6, wherein the token transmission unit transmits the second payment token for issuing the second payment code to the second user terminal when the issuance request acquisition unit acquires a request for issuance of the second payment code from the second user terminal.
  8. A control method for an information processing device that issues a payment code for withdrawing a payment amount from an account managed by the first user to a second user terminal used by the second user associated with the first user, A request for issuance step of obtaining a request for issuance of the payment code for the second user to make a payment at the store from the second user terminal, A first determination step of determining whether or not a first predetermined condition corresponding to the second user, set by the first user, is met, If the first determination step determines that the first predetermined condition is met, a token transmission step is performed to send a payment token for generating the payment code to the second user terminal, A payment information acquisition step involves obtaining the payment token and the payment information of the second user at the store from a store terminal that has read the payment code displayed by the second user terminal based on the payment token, A second determination step to determine whether a second predetermined condition, different from the first predetermined condition, is met, which is set by the first user and corresponds to the second user. If the second determination step determines that the second predetermined condition is met, a payment execution step is performed to execute a payment based on the payment information received from the store terminal, A control method having
  9. A control program for an information processing device that issues a settlement code for withdrawing a settlement amount from an account managed by the first user to a second user terminal used by the second user associated with the first user, wherein the computer... A request for issuance step of obtaining a request for issuance of the payment code for the second user to make a payment at the store from the second user terminal, A first determination step of determining whether or not a first predetermined condition corresponding to the second user, set by the first user, is met, If the first determination step determines that the first predetermined condition is met, a token transmission step is performed to send a payment token for generating the payment code to the second user terminal, A payment information acquisition step involves obtaining the payment token and the payment information of the second user at the store from a store terminal that has read the payment code displayed by the second user terminal based on the payment token, A second determination step to determine whether a second predetermined condition, different from the first predetermined condition, is met, which is set by the first user and corresponds to the second user. If the second determination step determines that the second predetermined condition is met, a payment execution step is performed to execute a payment based on the payment information received from the store terminal, A control program that executes the command.

Description

This invention relates to an information processing device, a control method, and a control program. Code-based payment using two-dimensional barcodes such as QR codes (registered trademark) is becoming widespread (for example, Patent Document 1). On the other hand, there is a need to allow other users (family members, employees, or other group members) to use one's own payment functions, and family cards are offered for credit cards. Japanese Patent Publication No. 2020-013406 This figure shows an overview of the payment system according to the first embodiment.This figure shows the hardware configuration of the payment system according to the first embodiment.This figure shows the functional configuration of the information processing device according to the first embodiment.This figure shows an example of condition information according to the first embodiment.This figure shows the functional configuration of the first user terminal according to the first embodiment.This figure shows an example of a settings screen for configuring issuance permission conditions and payment approval conditions.This figure shows the functional configuration of the second user terminal according to the first embodiment.This diagram shows the functional configuration of a store terminal according to the first embodiment.This is a diagram illustrating the operation of the payment system.This is a diagram illustrating the operation of the payment system.This figure shows the functional configuration of the first user terminal according to the second embodiment.This figure shows an example of a settings screen for requesting the generation of a second payment code.This figure shows the functional configuration of the information processing device according to the second embodiment. The payment systems of each embodiment will be described below with reference to the drawings. Note that the following description is merely an example of a preferred embodiment and is not intended to limit the invention as described in the claims. (First Embodiment) [Overview of Payment System S] Figure 1 is a diagram illustrating an overview of the payment system S according to the first embodiment. The payment system S is a system that, when a user purchases goods or services (hereinafter sometimes simply referred to as "goods") at a store, displays a payment code on the user terminal in response to a request from the user's terminal, and executes the payment process at the store when the payment code is read. The payment code is an image or text read by the store's terminal and is the code used at the time of payment. The payment system S according to this embodiment comprises an information processing device 10, a first user terminal 20, a second user terminal 30, and a store terminal 40. The information processing device 10 is a computer that issues a payment code for withdrawing the payment amount from an account managed by the first user to the second user terminal used by the second user associated with the first user, and executes the payment of the purchase amount. The first user terminal 20 is an information processing terminal used by the first user, and is, for example, a smartphone, tablet, or personal computer. The second user terminal 30 is an information processing terminal used by the second user associated with the first user, and is, for example, a smartphone, tablet, or personal computer. The store terminal 40 is, for example, a POS terminal. The first user and the second user are associated with each other by having a predetermined relationship. In the following explanation, the case where the first user is the parent and the second user is the child of the first user will be described as an example. Figure 1 illustrates the process until a payment is completed. The first user (parent) pre-configures, using their own first user terminal 20, to restrict the second user (child) from making payments using a payment code. The first user terminal 20 then sends a request to the information processing device 10 to configure the predetermined conditions for restricting the second user's code payments (Figure 1, (1)). These predetermined conditions are, for example, issuance permission conditions (allowing the issuance of a payment code) and payment approval conditions (approving the payment), and these are distinct conditions. Upon receiving the requests for the issuance permission conditions and payment approval conditions from the first user terminal 20, the information processing device 10 configures the issuance permission conditions and payment approval conditions for the second user based on the received requests (Figure 1, (2)). At this time, the information processing device 10 associates the first user ID, which identifies the first user, with the second user ID, which identifies the second user. Subsequently, when the second user purchases goods at the store, they launch the payment application software and perform an operati