Payment system, payment method, and program

Patent metadata

Field	Value
Publication number	US-2020051052-A1
Application number	US-201616344795-A
Country	US
Kind code	A1
Filing date	Oct 26, 2016
Priority date	Oct 26, 2016
Publication date	Feb 13, 2020
Grant date	—

Abstract

To simplify the configuration for achieving payment with a high degree of freedom in or near a shop, position information acquisition means of a payment system acquires shop terminal position information for indicating a position of a shop terminal and customer terminal position information for indicating a position of a portable customer terminal on which a customer performs a payment operation. Determination means determines, when the payment operation is performed on the customer terminal, whether a distance between the position of the shop terminal indicated by the shop terminal position information and the position of the customer terminal indicated by the customer terminal position information is smaller than a threshold value. Pay lent processing execution means is executable for payment processing based on a result of determination made by the determination means.

First claim

The invention claimed is:

1 . A payment system comprising at least one processor configured to:
acquire shop terminal position information for indicating a position of a shop terminal when a portable customer terminal reads code information for identifying the shop, the code information being displayed in the shop terminal; acquire customer terminal position information for indicating a position of the portable customer terminal; determine whether a distance between the position of the shop terminal indicated by the shop terminal position information and the position of the portable customer terminal indicated by the customer terminal position information is smaller than a threshold value: and execute payment processing for the shop based on a result of the determination.

2 . The payment system according to claim 1 , wherein the at least one processor allows execution of the payment processing when it is determined that the distance is smaller than the threshold value, and prohibits execution of the payment processing when it is determined that the distance is equal to or larger than the threshold value.

3 . The payment system according to claim 1 , wherein the at least one processor:
allows execution of the payment processing when it is determined that the distance is smaller than the threshold value, and holds execution of the payment processing when it is determined that the distance is equal to or larger than the threshold value, and issues a predetermined notification on at least one of the shop terminal or the portable customer terminal when execution of the payment processing, wherein the at least one of the shop terminal or the portable customer terminal is configured to receive an approval operation or a denial operation for the held payment processing when the predetermined notification is issued, and wherein the at least one processor allows execution of the held payment processing when the approval operation is received, and prohibits execution of the held payment processing when the denial operation is received.

4 - 5 . (canceled)

6 . The payment system according to claim 1 ,
wherein the shop terminal and the portable customer terminal each include a GPS sensor, and wherein the at least one processor acquires, as the shop terminal position information, position information detected by the GPS sensor of the shop terminal, and acquires, as the customer terminal position information, position information detected by the GPS sensor of the portable customer terminal.

7 . The payment system according to claim 6 , wherein the at least one processor determines the threshold value based on an intensity of a signal received by the GPS sensor of the shop terminal and an intensity of a signal received by the GPS sensor of the portable customer terminal.

8 . The payment system according to claim 1 ,
wherein the shop terminal and the portable customer terminal each include at least one type of position detector, and wherein the at least one processor determines the threshold value based on a type of the position detector of the shop terminal, which has detected the shop terminal position information, and a type of the position detector of the portable customer terminal, which has detected the customer terminal position information.

9 . The payment system according to claim 1 , wherein the at least one processor makes an inquiry as to whether to execute the payment processing in at least one of the shop terminal or the portable customer terminal when at least one of the shop terminal position information or the customer terminal position information has failed to be acquired,
wherein the at least one of the shop terminal or the portable customer terminal is configured to receive an approval operation or a denial operation for the payment processing when an inquiry has been made, and wherein the at least one processor allows execution of the payment processing when the approval operation is received, and prohibit execution of the payment processing when the denial operation is received.

10 . The payment system according to claim 1 ,
wherein the shop terminal and the portable customer terminal perform short-range wireless communication, wherein the at least one processor: determines whether the shop terminal and the portable customer terminal to perform short-range wireless communication when at least one of the shop terminal position information or the customer terminal position information has failed to be acquired, and executes for the payment processing based on a result of determination when at least one of the shop terminal position information or the customer terminal position information has failed to be acquired.

11 . A payment method, comprising:
acquiring shop terminal position information for indicating a position of a shop terminal when a portable customer terminal reads code information for identifying the shop, the code information being displayed in the shop terminal; acquiring customer terminal position information for indicating a position of the portable customer terminal; determining whether a distance between the position of the shop terminal indicated by the shop terminal position information and the position of the portable customer terminal indicated by the customer terminal position information is smaller than a threshold value; and executing payment processing for the shop based on a result of the determination.

12 . A. non-transitory computer-readable information storage medium for storing a program for causing a computer to:
acquire shop terminal position information for indicating a position of a shop terminal when a portable customer terminal reads code information for identifying the shop, the code information being displayed in the shop terminal; acquire customer terminal position information for indicating a position of the portable customer terminal; determine whether a distance between the position of the shop terminal indicated by the shop terminal position information and the position of the portable customer terminal indicated by the customer terminal position information is smaller than a threshold value: and execute payment processing for the shop based on a result of the determination.

Assignees

• Rakuten Inc

Inventors

• Kimura Tsuyoshi
• Akashika Hideki
• Shibamoto Seiichi

Classifications

• G06Q20/204 Primary

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G06Q20/3224 Primary

  Transactions dependent on location of M-devices · CPC title

• 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 · CPC title

• G06Q20/401

  Transaction verification · CPC title