Service providing system and service providing method

1 . A service providing system comprising:

a store terminal installed in a store;

a reader connected to the store terminal communicably in a wired or wireless manner to read identification information from an agent terminal;

a camera connected to the store terminal communicably in a wired or wireless manner to acquire image data of an agent;

a payment server storing identification information identifying an agent, biometric information of the agent, and payment information of a business operator in association with each other, wherein the business operator provides shopping agency service and intermediates payment between a client and the agent, wherein the payment server communicates with the store terminal via a network;

a registration information storage that stores agent information including biometric information of the agent;

at least one memory storing instructions; and

at least one processor configured to execute the instructions,

wherein the store terminal is configured to:

register a total price of products selected by the agent;

acquire the identification information of the agent from the agent terminal carried by the agent via the reader, wherein the identification information is encoded as one of a bar code and a two-dimensional code;

receive the image data from the camera, the image data being of a region including a face of the agent;

transmit an authentication request to the payment server via the network, the authentication request including the acquired identification information and the image data; and

process checkout related to purchase of a product, only in response to receiving a payment result from the payment server, without the agent bearing financial burden, wherein the payment server is configured to:

receive the authentication request from the store terminal via the network;

extract biometric information of the agent from the image data included in the authentication request, the biometric information being a feature value calculated from the image data of one of a face, an iris, veins, and a fingerprint of the agent;

check the identification information and the extracted biometric information included in the authentication request against the identification information and the biometric information stored to authenticate that a person who presents the agent terminal at the store terminal is the agent who has received a shopping request;

in a case where the identification information and the biometric information included in the authentication request matches the identification information and the biometric information stored, validate the identification information and authenticate the agent;

only upon the validation of the identification information and the authentication of the agent, perform payment between the store and the business operator using payment information of the business operator associated with identification information included in the authentication request; and

transmit a notice of completion of payment processing to the store terminal,

wherein the at least one processor is configured to execute the instructions to:

issue the identification information of the agent;

transmit the identification information issued and the biometric information of the agent stored in the registration information storage to the payment server to be stored in association with each other;

transmit, to the agent terminal, a purchase instruction of a product specified by the client, and the identification information;

acquire the payment result from the payment server, the payment result being related to the product purchased by the agent using the payment information of the business operator; and

process, when receiving a notice indicating that the client has received the product from a terminal of the client, payment with payment information of the client from the client to the business operator based on the payment result.

2 . The service providing system according to claim 1 , wherein the at least one processor is further configured to execute the instructions to:

select the agent based on a condition of shopping requested by the client and conditions of a plurality of registered agents.

3 . The service providing system according to claim 2 , wherein the at least one processor is further configured to execute the instructions to:

select candidates for the agent, and select the agent from the candidates for the agent.

4 . The service providing system according to claim 1 , wherein the at least one processor is further configured to execute the instructions to:

store the encoded identification information of the agent together with the purchase instruction of the product.

5 . The service providing system according to claim 1 , wherein the at least one processor is further configured to execute the instructions to:

transmit, to the payment server, a name of a specific store where the identification information is valid for payment; and

acquire the payment result related the product purchased at the specific store.

6 . The service providing system according to claim 1 , wherein the at least one processor is further configured to execute the instructions to:

transmit, to the payment server, an upper limit amount of use associated with the identification information.

7 . The service providing system according to claim 1 , wherein the identification information is displayed as a code on the agent terminal to be read at a store for payment.

8 . A service providing method comprising:

issuing identification information identifying an agent;

storing, by a payment server that communicates with a store terminal installed in a store via a network, the identification information issued, biometric information of the agent, and payment information of a business operator in association with each other, wherein the business operator provides shopping agency service and intermediates payment between a client and the agent;

storing, by a registration information storage, agent information including biometric information of the agent;

transmitting, to an agent terminal, a purchase instruction of a product specified by the client, and the identification information;

registering a total price of products selected by the agent;

acquiring, by the store terminal, the identification information of the agent from the agent terminal carried by the agent via a reader connected to the store terminal communicably in a wired or wireless manner, wherein the identification information is encoded as one of a bar code and a two-dimensional code;

receiving image data from a camera connected to the store terminal, the image data being of a region including a face of the agent;

transmitting an authentication request to the payment server via the network, the authentication request including the acquired identification information and the image data;

receiving the authentication request from the store terminal via the network;

extracting biometric information of the agent from the image data included in the authentication request, the biometric information being a feature value calculated from the image data of one of a face, an iris, veins, and a fingerprint of the agent;

checking, by the payment server, the identification information and the biometric information included in the authentication request against the identification information and the biometric information stored to authenticate that a person who presents the agent terminal at the store terminal is the agent who has received a shopping request;

in a case where the identification information and the biometric information included in the authentication request matches the identification information and the biometric information stored, validating the identification information and authenticating the agent;

only upon validation of the identification information and authentication of the agent, performing, by the payment server, payment between the store and the business operator using payment information of the business operator associated with identification information included in the authentication request;

transmitting, by the payment server, a notice of completion of payment processing to the store terminal;

processing, by the store terminal, checkout related to purchase of a product, only in response to receiving a payment result from the payment server, without the agent bearing financial burden;

transmitting the identification information issued and the biometric information of the agent stored in the registration information storage to the payment server to be stored in association with each other;

acquiring the payment result from the payment server, the payment result being related to the product purchased by the agent using the payment information of the business operator; and

processing, when receiving a notice indicating that the client has received the product from a terminal of the client, payment with payment information of the client from the client to the business operator based on the payment result.