Payment system, payment method, and program

Patent metadata

Field	Value
Publication number	US-2021073748-A1
Application number	US-201716642374-A
Country	US
Kind code	A1
Filing date	Aug 30, 2017
Priority date	Aug 30, 2017
Publication date	Mar 11, 2021
Grant date	—

Abstract

A payment system comprising: a customer terminal operated by a customer; and a server, wherein the server stores each of a plurality of pieces of shop identification information in association with authentication information that is necessary for a payment, wherein the customer terminal: receives a selection of a payee shop by the customer; receives an input of the authentication information by the payee shop; and sends shop identification information of the payee shop and the authentication information entered by the payee shop to the server, the server executes authentication processing based on authentication information received from the customer terminal and authentication information stored in association with the shop identification information received from the customer terminal, the payment system executes payment processing to the payee shop based on an authentication result.

First claim

The invention claimed is:

1 . A payment system comprising:
a customer terminal operated by a customer; and a server, wherein the server stores each of a plurality of pieces of shop identification information in association with authentication information that is necessary for a payment, wherein the customer terminal:
receives a selection of a payee shop by the customer;
receives an input of the authentication information by the payee shop; and
sends shop identification information of the payee shop and the authentication information entered by the payee shop to the server,
the server executes authentication processing based on authentication information received from the customer terminal and authentication information stored in association with the shop identification information received from the customer terminal, and the payment system executes payment processing to the payee shop based on an authentication result.

2 . The payment system according to claim 1 , wherein
when the customer selects the payee shop, the customer terminal displays a message to prompt the payee shop to enter the authentication information on a display, and when the message is displayed, the customer terminal receives the input of the authentication information by the payee shop.

3 . The payment system according to claim 1 , wherein
when the customer selects the payee shop, the customer terminal displays payee shop information indicating the payee shop on a display, and the customer terminal receives the input of the authentication information by the payee shop while the payee shop information being displayed.

4 . The payment system according to claim 1 , wherein
the customer terminal:
receives an input of a payment amount by the customer;
displays, on a display, the payment amount entered by the customer; and
receives the input of the authentication information by the payee shop while the payment amount being displayed, and
the payment processing is processing for paying the payment amount entered by the customer to the payee shop selected by the customer.

5 . The payment system according to claim 1 , wherein
the customer terminal receives an input of a payment amount by the customer and an input of a payment amount by the payee shop, the payment system determines whether the payment amount entered by the customer is matched with the payment amount entered by the payee shop, and the payment system executes the payment processing further based on a determination result.

6 . The payment system according to claim 1 , wherein
the payment system further comprises a shop terminal of each shop, the shop terminal of each shop and the server share authentication information of the shop by a first network, and the customer terminal sends the shop identification information and the authentication information entered by the payee shop by a second network that is different from the first network.

7 . The payment system according to claim 1 , wherein
the customer terminal receives an input of a payment amount by the customer, the customer terminal sends the payment amount entered by the customer to the server, the payment system further comprises a shop terminal of each shop, the shop terminal of each shop:
receives an input of a payment amount by the shop;
receives an input of the authentication information by the shop; and
sends the payment amount and the authentication information each entered by the shop to the server,
the server stores authentication information and a payment amount, which are received from the shop terminal of each shop, in association with shop identification information of the shop, and the server executes authentication processing based on authentication information received from the customer terminal and authentication information stored in association with shop identification information and a payment amount that are received from the customer terminal.

8 . The payment system according to claim 7 , wherein
the server encrypts authentication information entered by a shop using a payment amount entered by the shop as a cryptographic key, the server stores the authentication information encrypted by the server, and the server executes authentication processing by decoding the authentication information stored in association with shop identification information and the payment amount that are received from the customer terminal based on the payment amount.

9 . The payment system according to claim 1 , wherein
each shop has an electronic stamp indicating authentication information of the shop, the customer terminal comprises a touch panel, the customer terminal receives an input of the authentication information by a contact between an electronic stamp of the payee shop and the touch panel.

10 . The payment system according to claim 1 , wherein
the server:
issues authentication information of each shop; and
sends issued authentication information to each shop.

11 . A payment method based on a customer terminal operated by a customer and a server, comprising:
receiving, by the customer terminal, a selection of a payee shop by the customer; receiving, by the customer terminal, an input of the authentication information by the payee shop; sending shop identification information of the payee shop and the authentication information entered by the payee shop to the server; executing authentication processing based on authentication information received from the customer terminal and authentication information stored in association with the shop identification information received from the customer terminal; and executing payment processing to the payee shop based on an authentication result.

12 . A non-transitory computer-readable information storage medium for storing a program that causes a customer terminal or other computer to execute payment processing to a payee shop based on an authentication result of authentication processing, the authentication processing being based on authentication information stored in association with shop identification information of the payee shop selected by a customer on a customer terminal and authentication information entered by the payee shop in the customer terminal.

Assignees

• Rakuten Inc

Inventors

• Akashika Hideki
• Kimura Tsuyoshi

Classifications

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/085

  involving remote charge determination or related payment systems · CPC title

• G06Q2220/00

  Business processing using cryptography · CPC title

• G06Q20/401

  Transaction verification · CPC title