WO2022138918A1 - Système de paiement, procédé et support d'enregistrement - Google Patents

Système de paiement, procédé et support d'enregistrement Download PDF

Info

Publication number
WO2022138918A1
WO2022138918A1 PCT/JP2021/048204 JP2021048204W WO2022138918A1 WO 2022138918 A1 WO2022138918 A1 WO 2022138918A1 JP 2021048204 W JP2021048204 W JP 2021048204W WO 2022138918 A1 WO2022138918 A1 WO 2022138918A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
identification information
product
payment
product identification
Prior art date
Application number
PCT/JP2021/048204
Other languages
English (en)
Japanese (ja)
Inventor
和樹 三浦
Original Assignee
日本電気株式会社
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 日本電気株式会社 filed Critical 日本電気株式会社
Priority to JP2022571682A priority Critical patent/JP7311058B2/ja
Publication of WO2022138918A1 publication Critical patent/WO2022138918A1/fr
Priority to JP2023110566A priority patent/JP2023126915A/ja

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

Definitions

  • the present invention relates to a payment system, a method, and a recording medium for payment of goods.
  • a charge settlement system in which the charge in the dining room is settled by reading the ID tag provided on each tableware (see, for example, Patent Document 1).
  • a personal authentication payment system in which a user associates a desired amount of money with an iris with a charging machine to charge the iris, and the iris is used for payment authentication of purchased products (see, for example, Patent Document 2).
  • An object of the present invention is to provide a payment system, a method, and a recording medium that realize highly secure payment processing with improved convenience and hygiene.
  • One aspect of the payment system according to the present invention is to authenticate the user using the product identification information acquisition means for acquiring the product identification information of the product purchased by the user in the cafeteria and the user's face or iris.
  • One aspect of the method according to the present invention is a product identification information acquisition means for acquiring product identification information of a product purchased by a user in a cafeteria, and a use for authenticating the user using the user's face or iris.
  • a method in a payment system having a person authentication means in which the user is authenticated using the user's face or iris, the authenticated user is associated with the product identification information, and the product is linked. After the identification information is no longer recognized by the product identification information acquisition means, the authenticated user makes a payment for purchasing the product.
  • One aspect of the recording medium according to the present invention is to use a computer as a product identification information acquisition means for acquiring product identification information of a product purchased by the user in a cafeteria, the user's face or iris, and the user.
  • a computer program configured to function as a payment means for a user to make a payment for purchasing the product is stored.
  • FIG. 1 shows an example of the overall configuration when the payment system according to the present invention is applied as a payment system for payment processing of products purchased at the cafeteria 40.
  • the server 10 that can access the database 20 and the cash register unit 400 of the cafeteria 40 are connected to each other via a communication network (for example, the Internet) 30 so as to be capable of data communication.
  • the products to be settled are, for example, groceries and drinking water purchased by the user at the cafeteria 40.
  • the foodstuff to be purchased may be wrapped in wrapping paper such as paper or plastic film, or may be served on tableware such as plates and cups.
  • the drinking water to be purchased may be, for example, a canned beverage or a PET bottled beverage, or may be served on tableware such as a plate or a cup.
  • the user puts at least one product to be purchased on the tray, goes to the cash register unit 400, and pays for the product.
  • the cash register unit 400 may be a so-called self-registration that does not require a cash register person to hit the cash register. Although only one cash register unit 400 is shown in FIG. 1, a plurality of cash register units 400 may be provided in the dining room 40.
  • the cash register unit 400 may be provided with, for example, a cash register table 401, a product reader 402, a monitor 403, and a camera 404.
  • the cash register table 401 is a table on which the product is placed when the user pays for the product. For example, the user may place a tray on which the product is placed on the cash register table 401.
  • the product reader 402 is a device having a function of taking in product identification information from a product on the cash register table 401 (for example, a product on a tray placed on the cash register table 401).
  • the product identification information may be, for example, information integrated with the product in order to identify each product.
  • the product identification information may be provided on, for example, a wrapping paper or tableware integrated with the product.
  • the product identification information may be taken into the product reader 402 using radio waves.
  • the product identification information may be recorded in an RF tag using RFID (Radio Frequency Identifier) technology.
  • the product reader 402 may be an RFID reader that reads the product identification information from the RF tag provided on the tableware or the like on the tray.
  • the product identification information may be a bar code or a two-dimensional code provided on tableware or the like.
  • the product reader 402 may be a camera or a code reader having a function of reading various codes.
  • the product identification information may be the appearance of the product itself.
  • the product reader 402 may be a product camera that captures an image of the product and generates image information indicating the appearance of the product as product identification information.
  • the product reader 402 can capture product identification information integrated with the product (that is,). It can be read).
  • the capture area 401a is a communicable range of the product reader 402 (that is, a range in which product identification information can be captured).
  • the capture area 401a is, for example, an imageable range of the product camera.
  • the monitor 403 displays various information and messages to be presented to the user. For example, as will be described later, the product name, unit price, total payment amount, and the like of the product corresponding to the product identification information captured by the product reader 402 may be displayed. Further, the monitor 403 may display various messages for confirmation and request to the user.
  • the monitor 403 may be, for example, a touch panel that accepts a user's touch operation on the screen. An input device such as a mouse or a keyboard that accepts user operations may be connected to the monitor 403.
  • the camera 404 is an image pickup device that captures the face of the user in the cash register unit 400 and generates a face image for authentication.
  • the camera 404 may be, for example, a sensing type camera that senses and captures a user in the cash register unit 400.
  • the camera 404 may be, for example, an AI camera that detects a user's face portion and generates an authentication face image. It is desirable that the camera 404 is provided in a direction in which the user's face is easy to face (for example, a direction in which the user looks at the monitor 403) so that the entire face of the user can be easily imaged.
  • the camera 404 may have a video function of capturing the user's movements at the cash register unit 400.
  • the cash register table 401, the product reader 402, and the monitor 403 of the cash register unit 400 may constitute an existing POS (Point Of Sale) system.
  • the camera 404 may be added to the POS system and incorporated into the POS system. Alternatively, if the camera 404 has a communication function, it may be provided so as to be connectable to the server 10 independently of the POS system.
  • the server 10 may be physically configured using one server, or may be one conceptual server physically configured using a plurality of servers.
  • the hardware configuration of the server 10 will be described later.
  • the server 10 and the database 20 that can access data may be composed of, for example, a readable / writable non-volatile recording medium.
  • various information necessary for processing in the server 10 may be stored in the database 20.
  • Various information held in the database 20 may be appropriately referred to by the server 10.
  • user registration information described later may be stored in the database 20.
  • the user registration information has information about the user.
  • the user registration information may include, for example, a face image used for face authentication, a payment method, contact information, and the like.
  • product information which is information about a product corresponding to the product identification information may be stored.
  • the product information may include, for example, a product name, a unit price, a quantity in stock, and the like.
  • the server 10 is connected to the database 20 without going through the communication network 30, but the server 10 may be accessiblely connected to the database 20 via the communication network 30.
  • the server 10 may include, for example, a storage device 11, an arithmetic unit 12, and a communication interface 13.
  • the storage device 11, the arithmetic unit 12, and the communication interface 13 may be connected so as to be capable of data communication via the data bus 15.
  • the storage device 11 can store desired data.
  • the storage device 11 may temporarily or long-term store the computer program executed by the arithmetic unit 12.
  • the storage device 11 may temporarily store data temporarily used by the arithmetic unit 12 while the arithmetic unit 12 is executing a computer program.
  • the storage device 11 may include at least one of a RAM (Random Access Memory), a ROM (Read Only Memory), a hard disk device, a magneto-optical disk device, an SSD (Solid State Drive), and a disk array device. That is, the storage device 11 may include a volatile recording medium and a non-volatile recording medium.
  • the arithmetic unit 12 includes, for example, a CPU (Central Processing Unit).
  • the arithmetic unit 12 may be, for example, a computer unit including a CPU and a recording medium such as a RAM and a ROM for recording various information necessary for the operation of the CPU.
  • the arithmetic unit 12 reads a computer program.
  • the arithmetic unit 12 may read the computer program stored in the storage device 11.
  • the arithmetic unit 12 may read a computer program that can be read by a computer and is stored in the non-volatile recording medium by using a recording medium reading device (not shown).
  • the arithmetic unit 12 may acquire a computer program from a device (not shown) located outside the server 10 via the communication interface 13 (that is, it may be downloaded or read). The arithmetic unit 12 executes the read computer program. As a result, a logical functional block for executing the operation to be performed by the server 10 is realized in the arithmetic unit 12. That is, the arithmetic unit 12 can function as a controller for realizing a logical functional block for executing an operation to be performed by the server 10.
  • FIG. 2 shows an example of a logical functional block realized in the arithmetic unit 12 in order to realize the payment system according to the present invention.
  • a registration unit 12a in the arithmetic unit 12, a registration unit 12a, a product identification information acquisition unit 12b, a user authentication unit 12c, a product association unit 12d, a settlement unit 12e, a notification unit 12f, and an operation determination unit 12g Is realized.
  • the operation of each part 12a to 12g will be described later.
  • the communication interface 13 is an interface that enables data communication between the server 10 and, for example, an external device of the server 10 (for example, a database 20, a cash register unit 400 of a cafeteria 40, a user terminal, etc.).
  • the communication interface 13 is configured to receive, for example, various information output from the external device of the server 10 and send it to the arithmetic unit 12. In this way, the communication interface 13 functions as an input device for inputting information from the external device of the server 10 to the server 10.
  • the communication interface 13 is configured to receive, for example, various control information about the external device of the server 10 from the arithmetic unit 12 and output it to the external device. In this way, the communication interface 13 functions as an output device that outputs information from the server 10 to the external device of the server 10.
  • the registration unit 12a registers, for example, a user's face image as authentication registration information and a payment method used by the user at the time of payment in the database 20 in association with each other.
  • the user may, for example, transmit his / her face image and information indicating a desired payment method from the user terminal to the server 10.
  • the user terminal may be, for example, a smartphone, a tablet terminal, a personal computer, or the like, which accepts the user's operation and has a general camera function and communication function.
  • the registered "face image” may be, for example, an image in which the user's face is captured by an arbitrary camera or the camera function of the user terminal.
  • the registered "payment method" is a payment method used for payment of goods.
  • the "payment method” may be any method in which payment is processed electronically, for example, electronic payment based on a credit card or prepaid card, electronic money payment based on points, virtual currency, or the like.
  • the “payment method” may be set, for example, according to the user's operation on the user terminal.
  • the user's face image and the desired payment method are transmitted to the server 10 as registration request information, for example.
  • the registration unit 12a may store, for example, the user registration information in which the face image included in the registration request information and the payment method are associated with each other in the database 20.
  • the face image in the user registration information can function as user identification information for identifying the user.
  • the registration unit 12a may store, for example, the information in which the registration request information and the user identification information are associated with each other in the database 20 as the user registration information.
  • the face image included in the user registration information is referred to as a "registered face image".
  • the registration request information may include contact information for the user.
  • the "notification destination" may be, for example, an e-mail address, a user identification number, a terminal identification number, or the like from which the user can confirm the notification from the payment system on the user terminal.
  • the registration unit 12a may store the contact information included in the registration request information in the database 20 as user registration information in association with the face image and the payment method.
  • the product identification information acquisition unit 12b recognizes the product identification information captured by the product reader 402
  • the product identification information acquisition unit 12b acquires the product identification information.
  • the user authentication unit 12c acquires, for example, an authentication face image generated by the camera 404, and performs user authentication.
  • the user authentication unit 12c refers to, for example, the user registration information of the database 20, and the feature amount (for example, size, shape, position) of a plurality of feature points (for example, eyes, nose, ears, mouth, etc.) on the face.
  • a registered face image that matches (or can be regarded as matching) the face image for authentication is searched based on the relationship (relationship, etc.).
  • the user authentication unit 12c determines that the user authentication is successful (that is, the user is authenticated). If the registered face image is not searched, it is determined that the user authentication has failed (that is, the user is not authenticated).
  • the product linking unit 12d associates the product identification information acquired by the product identification information acquisition unit 12b with, for example, a user who has succeeded in user authentication (that is, an authenticated user).
  • the product associating unit 12d may, for example, associate the product identification information acquired by the product identification information acquisition unit 12b with the registered face image (or the authentication face image) for which the user authentication is successful.
  • the product association unit 12d uses the product identification information acquired by the product identification information acquisition unit 12b in the user identification information of the user whose user authentication is successful. Information may be linked.
  • the settlement unit 12e may perform the payment process on the assumption that the product identification information of all the purchased products has been acquired.
  • the payment unit 12e may perform payment processing by, for example, the payment method registered in the user registration information regarding the authenticated user.
  • the notification unit 12f gives a notification for confirming the purchase intention of the user (that is, purchase confirmation) when there is a possibility of double payment in at least two consecutive payments. For example, when the same user is authenticated and at least one same product identification information is acquired by the product identification information acquisition unit 12b in at least two consecutive payments, the notification unit 12f corresponds to the corresponding user. Notify to confirm the purchase. That is, the notification unit 12f confirms the purchase with the user, for example, when consecutive payments are made to the same user for the same product.
  • the notification unit 12f may notify the user of the payment content as a purchase confirmation after the payment processing by the payment unit 12e is completed.
  • the notification unit 12f may display the purchase confirmation on the monitor 403 of the cash register unit 400, for example.
  • the notification unit 12f may, for example, transmit the purchase confirmation to the user terminal so as to be displayed on the screen of the user terminal of the user.
  • the operation determination unit 12g acquires, for example, the operation information of the user in the cash register unit 400, and determines whether or not the operation satisfies a predetermined condition.
  • the operation information may be, for example, moving image information captured by the camera 404.
  • a camera (not shown) different from the camera 404 may be provided in the cash register unit 400, and the operation information may be moving image information captured by the camera (not shown).
  • the operation determination unit 12g determines that the operation satisfies a predetermined condition. That is, the motion discriminating unit 12g determines that "the motion satisfies a predetermined condition" when the motion is performed so that the product identification information deviates from the capture area 401a.
  • the motion discriminating unit 12g may determine, for example, the motion of the user lifting the tray on which the product is placed from the cash register table 401 as "the motion satisfies a predetermined condition".
  • the product identification information is a code such as a barcode or a two-dimensional code
  • the product identification information on the tray may deviate from the capture area 401a.
  • the product identification information is an image of the appearance of the product
  • the product on the tray may deviate from the capture area 401a which is the image capture range of the product camera.
  • the operation of the user such that the product identification information deviates from the acquisition area 401a may be, for example, an operation in which the user slides sideways to a position adjacent to the tray acquisition area 401a in the acquisition area 401a.
  • FIG. 3 is an example of a payment routine executed by the payment system.
  • 4A to 4C are examples of screens displayed on the monitor 403.
  • the server 10 may display the top screen 50a shown in FIG. 4A on the monitor 403 as a standby screen of the payment system until the processing of the payment routine is started.
  • a message urging the user to place the tray on the cash register table 401 may be displayed.
  • the server 10 may use this as a trigger to start the payment routine.
  • the server 10 may first perform a user authentication process (step S101).
  • the server 10 may refer to the database 20 and search for a registered face image that matches (or is considered to match) the face image for authentication. If the user authentication is successful, the server 10 may proceed to, for example, the product linking process (step S102). If the user authentication fails, the server 10 may display, for example, a message on the monitor 403 prompting the user to look at the camera 404 in order to obtain the authentication face image again. If the user authentication fails, the server 10 may display, for example, a message requesting payment after registration of the user registration information on the monitor 403.
  • the server 10 links the user with the purchased product.
  • the server 10 recognizes and acquires the product identification information captured by the product reader 402, and associates the acquired product identification information with, for example, the registered face image of the authenticated user. Further, the server 10 may acquire product information (for example, product name, unit price, etc.) of the product corresponding to each acquired product identification information by referring to the product information in the database 20, for example. For example, based on the acquired product information, the server 10 displays a product list including the product, unit price, total payment amount, etc. for the product on the tray (that is, the product to be purchased) on the confirmation screen 50b shown in FIG. 4B. May be displayed as. As a result, the user can confirm the total payment amount and its details.
  • the server 10 may determine whether or not the product identification information is no longer recognized (step S103).
  • the server 10 may return to step S102 and perform the product association processing with respect to the acquired product identification information.
  • the server 10 may perform the product associating process (step S102) with respect to the product identification information until the product identification information is no longer recognized.
  • the server 10 considers that the product identification information of all the products on the tray (that is, the product to be purchased) is acquired and linked to the user. You may proceed to step S104.
  • the server 10 when the server 10 no longer recognizes the product identification information (step S103: Yes), the server 10 confirms the number of products on the tray with a camera (not shown) capable of capturing images of the products on the tray. It may be compared with the number of products in the product list displayed on the confirmation screen 50b. When the number of confirmed products differs from the number of products in the product list, the server 10 moves the tray or product to the user so that the product identification information of the product on the tray is correctly captured by the product reader 402, for example. A message asking for this may be displayed on the monitor 403. For example, when the product identification information is recorded in the RF tag, the product identification information may not be read by the product reader 402 due to the influence of metal products and the like.
  • the server 10 may display a message asking the user not to put anything other than a product such as a metal product on the tray, for example.
  • the server 10 may display a message asking the user to position the tray in the correct position (eg, in the capture area 401a).
  • the server 10 may return to step S102. If the server 10 does not recognize the product identification information after displaying the message, for example, the server 10 may notify the cashier manager that a problem has occurred in the cashier unit 400.
  • the above processing regarding the number of products may be controlled by, for example, a product number confirmation unit realized by the server 10 as a functional block in the arithmetic unit 12.
  • the server 10 may determine whether or not a predetermined operation has been performed by the user.
  • the "predetermined operation” is an operation predetermined as the above-mentioned "operation satisfying a predetermined condition". For example, the server 10 acquires the operation information within a predetermined period including the time when it is determined that the product identification information is no longer recognized from the camera 404, and determines whether or not the "predetermined operation” is performed based on the operation information. It may be determined.
  • the "predetermined operation” may be, for example, an operation of lifting the tray placed on the cash register table 401 from the cash register table 401, as described above.
  • the server 10 may display a message indicating that payment is completed on the confirmation screen 50b in response to the operation of lifting the tray. This makes it possible to clearly confirm the intention of the user to settle the product list displayed on the confirmation screen 50b.
  • step S110 payment confirmation may be performed (step S110).
  • the server 10 may, for example, confirm the intention of whether or not to settle the product list displayed on the confirmation screen 50b via the monitor 403.
  • the server 10 may proceed to, for example, a payment process (step S105).
  • the server 10 may proceed to, for example, the correction process (step S111).
  • the correction process for example, the server 10 enables the user to modify the product list to be settled displayed on the confirmation screen 50b, and after the product list is modified, proceeds to the settlement process (step S105). good.
  • step S104 the server 10 may proceed to the settlement process (step S105).
  • the server 10 may perform the payment process of the product to be purchased by, for example, the payment method set in the user registration information corresponding to the user.
  • the server 10 may display the end screen 50c as shown in FIG. 4C on the monitor 403, for example, to indicate that the payment has been completed.
  • the payment of the product can be completed only by placing the tray on which the product to be purchased by the user is placed on the cash register table 401 and then lifting the tray. This series of operations is a natural operation for the user of the cafeteria and does not impose a burden on the user.
  • the payment system of the present disclosure makes it possible to complete the payment only by the user's natural and burden-free operation.
  • the server 10 may perform notification processing following step S105 (step S106).
  • the server 10 may notify the purchase confirmation to, for example, the contact information (for example, the user terminal) set in the user registration information corresponding to the user.
  • the server 10 may terminate the payment routine after notifying the purchase confirmation.
  • the server 10 may enable a process in which the user who has received the purchase confirmation can cancel the corresponding payment.
  • the server 10 may determine, for example, whether or not two or more consecutive payments may be double payments. For example, when the same user is authenticated and the product identification information of the same product is acquired for two or more consecutive payments, the server 10 may determine that there is a possibility of double payment. .. If the server 10 determines that there is a possibility of double payment, the server 10 may notify the purchase confirmation regarding the double payment. The server 10 may notify the user terminal of the purchase confirmation, for example. For example, when the user performs an operation for continuing all payments related to double payment on the user terminal, the server 10 may terminate the payment routine. For example, when the user performs an operation for canceling at least one of two or more payments related to double payment, the server 10 may perform a process of canceling the payment to be canceled. After that, the server 10 may terminate the settlement routine.
  • the server 10 may display a purchase confirmation on the monitor 403, for example, when the payment is completed.
  • the server 10 may enable the same processing as the case of notifying the user terminal according to the operation of the user to the monitor 403.
  • Step S101 is performed by the user authentication unit 12c.
  • Step S102 is performed by the product identification information acquisition unit 12b and the product association unit 12d.
  • Step S104 is performed by the operation determination unit 12g.
  • Step S103 and step S105 are performed by the settlement unit 12e.
  • Step S106 is performed by the notification unit 12f.
  • step S103 If step S103 is affirmative (step S103: Yes), the server 10 may skip step S104 and proceed to step S105.
  • the server 10 may start the processing of the payment routine, for example, triggered by the acquisition of the product identification information by the server 10.
  • the server 10 may perform the user authentication process after acquiring all the product identification information. Alternatively, the server 10 may perform the acquisition of the product identification information and the user authentication process in parallel.
  • iris authentication may be adopted in addition to / instead of face authentication.
  • the camera 404 may be a camera for iris recognition.
  • the product identification information may be, for example, not information integrated with the product itself, but various code information integrated with a product tag that substitutes for the product. In this case, only the product tag corresponding to the product to be purchased is placed on the tray and the payment is made, and after the payment is completed, the actual product corresponding to the product tag on the tray may be received.
  • the payment system disclosed in the present disclosure is not limited to payment in a cafeteria, but can be applied to any situation in which a user makes a payment for a purchased product.
  • Appendix 1 The payment system described in Appendix 1 is a product identification information acquisition means for acquiring product identification information of a product purchased by a user in a cafeteria, and user authentication for authenticating the user using the user's face or iris.
  • It is a payment system having a payment means for making a payment for purchasing a product.
  • the payment system described in Appendix 1 when purchasing a product at a cafeteria, payment can be made by using the product identification information acquisition means as a trigger for payment. That is, the payment system can make a payment by regarding the state in which the product identification information is no longer recognized as the state in which the product identification information of all the purchased products has been acquired. In this way, the payment system can perform payment without any operation for payment by the user. Therefore, the labor and time required to enter the password and the like are not required, and the convenience of payment processing is improved. Therefore, according to this payment system, it is possible to avoid a user's queue for payment and to provide smooth payment.
  • this payment system it is not necessary to operate using a user's finger or the like, that is, payment can be performed completely without touching, and hygiene is improved. Further, according to this payment system, payment is made to a user who has been authenticated by face authentication, so that high security of payment can be ensured. In this way, this payment system can realize comfortable, secure and highly secure payment.
  • the payment system according to Appendix 2 further includes a notification means for notifying the user to confirm the purchase, and the notification means is the same by the user authentication means in at least two consecutive payments.
  • the payment system according to the appendix 3 is the payment system according to the appendix 2, wherein the notification means gives the notification to the user terminal of the user.
  • the payment system described in Appendix 3 it is possible to directly notify the user terminal of the purchase confirmation when there is a possibility of double payment.
  • the user terminal is a portable terminal, it is possible to notify a user at any location. For example, it is possible to give the notification to a user who has left the place where payment is made in the cafeteria (for example, the cash register department) and is seated. Therefore, the user can slowly respond to the notification while sitting in the seat.
  • the cashier is notified at the same time as the payment is completed, there is a possibility that a long queue may be formed in the cafeteria's cashier to respond. According to this payment system, such a long queue can be avoided.
  • the payment system according to Appendix 4 further includes an operation determining means for acquiring operation information indicating the operation of the user and determining whether or not the operation satisfies a predetermined condition, and the payment means is the operation. Is the payment system according to any one of Supplementary Provisions 1 to 3, wherein the payment is made when the predetermined condition is satisfied.
  • the payment system described in Appendix 4 in addition to the product identification information not being recognized by the product identification information acquisition means, payment is performed when the user performs an operation satisfying a predetermined condition. For example, if the product identification information acquisition means does not recognize the product identification information of all the products purchased for some reason, it is possible to avoid the settlement. It is desirable that the "operation that satisfies a predetermined condition" is an operation that does not impose a burden on the user. Further, the payment system described in Appendix 1 to Appendix 4 confirms whether or not the number of the products purchased by the user is the same as the number of the product identification information associated with the user. It may have a means for confirming the number of products.
  • the operation determination means acquires the operation information in a predetermined period including a time when the product identification information is no longer recognized by the product identification information acquisition means, and the operation is the predetermined operation.
  • the payment system according to Appendix 4 which determines whether or not the conditions are satisfied.
  • the operation of the user within a predetermined period including the time when the product identification information is no longer recognized by the product identification information acquisition means is described in the payment system "Supplementary Note 4". It can be an operation that satisfies a predetermined condition. It is desirable that the "operation satisfying a predetermined condition" is, for example, an operation in which the product identification information is not recognized by the product identification information acquisition means. Such an "operation satisfying a predetermined condition" can function as a cross-check that the product identification information of all the products purchased by the user is acquired by the product identification information acquisition means.
  • Appendix 6 The payment system described in Appendix 6 links the database with the authentication registration information regarding the user's face or iris used for the authentication and the payment method used by the user for the payment in the database. Further having a registration means for registration, the product linking means links the authentication registration information of the authenticated user with the product identification information, and the payment means links to the authentication registration information.
  • the payment system according to any one of Supplementary Provisions 1 to 5, wherein the payment is made by the payment method attached and registered.
  • the payment system can refer to the face information used for authentication and the payment method used for payment by referring to the registration information in the database. Since the payment method to be used can be registered in advance, even an overseas business traveler can easily make a payment by a desired payment method.
  • the payment system according to the appendix 7 is the payment system according to any one of the appendices 1 to 6, wherein the product identification information is information integrated with the product.
  • the status of the product identification information can be regarded as the status of the product.
  • Appendix 8 The method described in Appendix 8 is a product identification information acquisition means for acquiring product identification information of a product purchased by a user in a cafeteria, and a user authentication means for authenticating the user using the user's face or iris.
  • Appendix 9 uses a computer to authenticate the user using a product identification information acquisition means for acquiring product identification information of a product purchased by the user in a cafeteria, the user's face or iris.
  • the payment system described in Appendix 1 can be realized by causing the computer to execute the computer program described in Appendix 9. That is, it is possible to realize a highly secure payment system with improved convenience and hygiene.
  • Appendix 10 The computer-readable recording medium described in Appendix 10 is a recording medium in which the computer program described in Appendix 9 is stored.
  • the present invention is not limited to the above embodiment, and can be appropriately modified within the scope of the claims and within the scope not contrary to the gist or idea of the invention that can be read from the entire specification, and the settlement system accompanied by such a modification. , Methods, and recording media are also included in the technical idea of the present invention.
  • Registration Department Registration Means
  • Product identification information acquisition unit product identification information acquisition means
  • User Authentication Department User Authentication Means
  • Product tying part product tying means
  • Settlement department payment method
  • Notification unit notification means
  • motion discriminator motion discriminator

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Ce système de paiement comprend : un moyen d'acquisition d'informations d'identification de produit (12b) qui acquiert des informations d'identification de produit d'un produit qu'un utilisateur achète dans un restaurant (40) ; un moyen d'authentification d'utilisateur (12c) qui authentifie l'utilisateur au moyen du visage ou de l'iris de l'utilisateur ; un moyen d'association de produit (12d) qui associe l'utilisateur authentifié aux informations d'identification de produit ; et un moyen de paiement (12e) qui, lorsque les informations d'identification de produit ne sont plus reconnues par le moyen d'acquisition d'informations d'identification de produit (12b), effectue un paiement pour l'achat du produit par l'utilisateur authentifié.
PCT/JP2021/048204 2020-12-25 2021-12-24 Système de paiement, procédé et support d'enregistrement WO2022138918A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
JP2022571682A JP7311058B2 (ja) 2020-12-25 2021-12-24 決済システム、方法、及び記録媒体
JP2023110566A JP2023126915A (ja) 2020-12-25 2023-07-05 決済システム、方法、及び記録媒体

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2020-217123 2020-12-25
JP2020217123 2020-12-25

Publications (1)

Publication Number Publication Date
WO2022138918A1 true WO2022138918A1 (fr) 2022-06-30

Family

ID=82158081

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2021/048204 WO2022138918A1 (fr) 2020-12-25 2021-12-24 Système de paiement, procédé et support d'enregistrement

Country Status (2)

Country Link
JP (2) JP7311058B2 (fr)
WO (1) WO2022138918A1 (fr)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004102563A (ja) * 2002-09-09 2004-04-02 Nec Infrontia Corp 決済システム
JP2004287513A (ja) * 2003-03-19 2004-10-14 Toshiba Corp 情報処理装置
JP2006350806A (ja) * 2005-06-17 2006-12-28 Toshiba Tec Corp 無線タグ認識装置及び商品販売データ処理装置
JP2011186698A (ja) * 2010-03-08 2011-09-22 Glory Ltd 自動決済装置および自動決済システム
JP2019121251A (ja) * 2018-01-09 2019-07-22 パナソニックＩｐマネジメント株式会社 無線読取システム及びそれを備える買物支援システム
JP2019139568A (ja) * 2018-02-13 2019-08-22 大日本印刷株式会社 ゲート式精算システムおよびゲート式精算装置
JP2019159443A (ja) * 2018-03-08 2019-09-19 ヤフー株式会社 情報処理装置、情報処理方法、およびプログラム

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP3910247B2 (ja) * 1997-02-12 2007-04-25 グローリー株式会社 食堂の自動精算システム及びその決済システム

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004102563A (ja) * 2002-09-09 2004-04-02 Nec Infrontia Corp 決済システム
JP2004287513A (ja) * 2003-03-19 2004-10-14 Toshiba Corp 情報処理装置
JP2006350806A (ja) * 2005-06-17 2006-12-28 Toshiba Tec Corp 無線タグ認識装置及び商品販売データ処理装置
JP2011186698A (ja) * 2010-03-08 2011-09-22 Glory Ltd 自動決済装置および自動決済システム
JP2019121251A (ja) * 2018-01-09 2019-07-22 パナソニックＩｐマネジメント株式会社 無線読取システム及びそれを備える買物支援システム
JP2019139568A (ja) * 2018-02-13 2019-08-22 大日本印刷株式会社 ゲート式精算システムおよびゲート式精算装置
JP2019159443A (ja) * 2018-03-08 2019-09-19 ヤフー株式会社 情報処理装置、情報処理方法、およびプログラム

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
ANONYMOUS: "Demonstration experiment of payment service using NEC's face recognition technology at employee cafeterias of Sumitomo Mitsui Banking Corporation and Sumitomo Mitsui Card", NEC CORP. PRESS RELEASE, JP, pages 1 - 3, XP009537921, Retrieved from the Internet <URL:https://jpn.nec.com/press/201612/20161212_01.html> [retrieved on 20220328] *

Also Published As

Publication number Publication date
JP7311058B2 (ja) 2023-07-19
JPWO2022138918A1 (fr) 2022-06-30
JP2023126915A (ja) 2023-09-12

Similar Documents

Publication Publication Date Title
KR101516773B1 (ko) 바코드를 이용한 지불 결제 시스템 및 방법
JP5932053B2 (ja) ネットワークアクセス可能な販売時点情報管理デバイスインスタンス
US20150120573A1 (en) Information processing method, device and system
WO2015062255A1 (fr) Procédé, dispositif et système de traitement d&#39;informations
JP7163604B2 (ja) 精算システム、精算方法及びプログラム
WO2007129581A1 (fr) système de paiement, dispositif terminal DE PAIEMENT, et procÉdÉ DE PAIEMENT
JP2024019528A (ja) 電子レシート発行装置、電子レシート発行方法及びプログラム
JP2024028307A (ja) チェックアウトシステム
JP7524388B2 (ja) 情報処理装置、店舗システム、プログラム
JP2020042458A (ja) 販売データ処理装置
WO2022138918A1 (fr) Système de paiement, procédé et support d&#39;enregistrement
JP2023059980A (ja) プログラム、移動端末及びシステム
JP7380700B2 (ja) 管理サーバ、管理システム、制御方法及びプログラム
JP7308709B2 (ja) 商品販売データ処理装置及びプログラム
US20240087427A1 (en) Server apparatus, purchase management method, information processing system, information processing method, and recording medium
JP2017049976A (ja) 多機能カード
JP2019200585A (ja) 販売データ処理装置及びプログラム
JP7403798B2 (ja) 精算システム、精算装置及びプログラム
JP2020042459A (ja) 販売データ処理装置
JP7325796B2 (ja) セルフ登録システム及びプログラム
JP7413828B2 (ja) 購入管理システム、サーバ装置、購入管理方法、及び、プログラム
WO2023187926A1 (fr) Dispositif de traitement d&#39;informations, système de traitement d&#39;informations, procédé de traitement d&#39;informations et support non transitoire lisible par ordinateur sur lequel est stocké un programme
JP2022098820A (ja) 商品販売データ処理システム、及びプログラム
JP2017068719A (ja) 情報処理装置、プログラム及び情報処理システム
JP2023028007A (ja) プログラム

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 21911055

Country of ref document: EP

Kind code of ref document: A1

ENP Entry into the national phase

Ref document number: 2022571682

Country of ref document: JP

Kind code of ref document: A

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 21911055

Country of ref document: EP

Kind code of ref document: A1