US2022300943A1 · US · A1
| Field | Value |
|---|---|
| Publication number | US-2022300943-A1 |
| Application number | US-202017633344-A |
| Country | US |
| Kind code | A1 |
| Filing date | Jul 20, 2020 |
| Priority date | Aug 16, 2019 |
| Publication date | Sep 22, 2022 |
| Grant date | — |
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The present disclosure provides a configuration that enables reliable payment processing while preventing fraudulent processing even in a case where a shop terminal does not have a function to communicate with a payment server. In a payment processing system including a shop terminal and a user terminal that perform a data write process and a data read process on a data- rewritable dynamic tag, and a payment server that performs communication with the user terminal, the shop terminal writes payment data including a settlement amount and a random number into the dynamic tag. The user terminal transmits the payment data recorded in the dynamic tag to the payment server, the payment server generates a signature and transmits the signature to the user terminal after the payment processing, and the user terminal writes the signature into the dynamic tag. After that, the shop terminal verifies the signature written into the dynamic tag by the user terminal, and confirms that the payment processing has been performed.
Opening claim text (preview).
1 . An information processing apparatus comprising a data processing unit that performs a data write process and a data read process on a dynamic tag in which data is rewritable, wherein the data processing unit writes payment data including a settlement amount and a random number into the dynamic tag, and confirms that payment processing has been performed, by verifying a signature generated by a payment server, the signature having been written into the dynamic tag by a user terminal after the payment processing in the payment server. 2 . The information processing apparatus according to claim 1 , wherein the dynamic tag has a near field communication function, and is capable of performing near field communication with the user terminal. 3 . The information processing apparatus according to claim 1 , wherein the payment data recorded in the dynamic tag is transmitted to the payment server via the user terminal. 4 . The information processing apparatus according to claim 1 , wherein the data processing unit performs a process of generating a random number and writing the random number into the dynamic tag every time payment processing is performed. 5 . The information processing apparatus according to claim 1 , wherein the data processing unit confirms that payment processing has been performed, by verifying a random number and the signature received from the payment server, the random number and the signature having been written into the dynamic tag by the user terminal after the payment processing in the payment server. 6 . The information processing apparatus according to claim 1 , wherein the data processing unit verifies a signature generated with a private key by the payment server, using a public key corresponding to the private key. 7 . The information processing apparatus according to claim 1 , wherein, in verification of the signature, when the verification is successful, and it is confirmed that the payment processing has been correctly performed, the data processing unit performs a payment completion notification process. 8 . The information processing apparatus according to claim 1 , wherein, in verification of the signature, when the verification is not successful, and it is not confirmed that the payment processing has been correctly performed, the data processing unit performs a payment error notification process. 9 . The information processing apparatus according to claim 1 , wherein the dynamic tag is integrated with the information processing apparatus, or is connected to the information processing apparatus in a wired or wireless manner. 10 . The information processing apparatus according to claim 1 , wherein the data processing unit writes the payment data into the dynamic tag, the payment data including a shop ID of a shop in which the information processing apparatus is installed, and information about a shop terminal corresponding to the information processing apparatus, and the payment data including the shop ID and the information about the shop terminal is transmitted to the payment server via the dynamic tag and the user terminal. 11 . A payment processing system comprising: a shop terminal that performs a data write process and a data read process on a dynamic tag in which data is rewritable; a user terminal that performs a data write process and a data read process on the dynamic tag, and performs communication with a payment server; and the payment server that performs communication with the user terminal, wherein the shop terminal writes payment data including a settlement amount and a random number into the dynamic tag, the user terminal transmits the payment data recorded in the dynamic tag to the payment server, the payment server generates and transmits a signature to the user terminal, after payment processing based on the payment data, the user terminal writes the signature received from the payment server into the dynamic tag, and the shop terminal verifies the signature written into the dynamic tag by the user terminal, and confirms that the payment processing has been performed. 12 . The payment processing system according to claim 11 , wherein, in addition to the payment data recorded in the dynamic tag, the user terminal transmits user account information to the payment server, the user account information being necessary in the payment processing. 13 . The payment processing system according to claim 11 , wherein the dynamic tag has a near field communication function, and is capable of performing near field communication with the user terminal. 14 . The payment processing system according to claim 11 , wherein the shop terminal performs a process of generating a random number and writing the random number into the dynamic tag every time payment processing is performed. 15 . The payment processing system according to claim 11 , wherein the payment server generates the signature, using a private key of the payment server, and the shop terminal performs verification, using a public key corresponding to the private key. 16 . An information processing method implemented in an information processing apparatus, the information processing apparatus including a data processing unit that performs a data write process and a data read process on a dynamic tag in which data is rewritable, wherein the data processing unit writes payment data including a settlement amount and a random number into the dynamic tag, and confirms that payment processing has been performed, by verifying a signature generated by a payment server, the signature having been written into the dynamic tag by a user terminal after the payment processing in the payment server. 17 . A payment processing method implemented in a payment processing system that includes: a shop terminal that performs a data write process and a data read process on a dynamic tag in which data is rewritable; a user terminal that performs a data write process and a data read process on the dynamic tag, and performs communication with a payment server; and the payment server that performs communication with the user terminal, wherein the shop terminal writes payment data including a settlement amount and a random number into the dynamic tag, the user terminal transmits the payment data recorded in the dynamic tag to the payment server, the payment server generates and transmits a signature to the user terminal, after payment processing based on the payment data, the user terminal writes the signature received from the payment server into the dynamic tag, and the shop terminal verifies the signature written into the dynamic tag by the user terminal, and confirms that the payment processing has been performed. 18 . A program for causing an information processing apparatus to perform information processing, the information processing apparatus including a data processing unit that performs a data write process and a data read process on a dynamic tag in which data is rewritable, the program causing the data processing unit to perform: a process of writing payment data including a settlement amount and a random number into the dynamic tag; and a process of confirming that payment processing has been performed, by verifying a signature generated by a payment server, the signature having been written into the dynamic tag by a user terminal after the payment processing in the payment server.
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