JP2018156526A - Settlement management apparatus, settlement processing method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement management apparatus which offers settlement methods that improve service to store users.SOLUTION: Based on a registration request for a representative who is designated to purchase on behalf of a purchase seeker, identification information of the representative is registered in association with settlement means information of the purchase seeker. When a store device acquires the identification information of the representative, and if the settlement means information is stored in a storage unit in association with the identification information, the shop device generates an authorization to start settlement processing using the settlement means information.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a payment management apparatus, a payment management method, and a program.

  As an example, the payment processing when purchasing a product in a real store or a virtual store is performed with a credit card held by the purchaser. Patent Document 1 discloses a technology for purchasing a product as a related technology.

JP 2013-250822 A

  With regard to the above-described product settlement processing, there is a demand for a settlement method that improves services for store users in anticipation of an increase in store usage.

  Therefore, an object of the present invention is to provide a settlement management apparatus, a settlement management method, and a program that solve the above-described problems.

  According to the first aspect of the present invention, the payment management device associates the identification information of the agent with the payment means information of the purchase applicant based on the registration request of the agent who performs the purchase agent of the purchase applicant. A proxy information registration unit registered in the storage unit, and when the identification information of the proxy is acquired from the store device, the payment unit information is recorded in the storage unit in association with the identification information. An authentication unit that outputs a permission to start settlement processing based on means information.

  According to the second aspect of the present invention, in the payment management method, the identification information of the agent is linked to the payment means information of the purchase applicant based on the registration request of the agent performing the purchase agent of the purchase applicant. When the payment unit information is recorded in the storage unit in association with the identification information when the agent's identification information is acquired from the store apparatus and the payment unit information is recorded in the storage unit, the payment process by the payment unit information is performed. The start permission is output.

  According to the third aspect of the present invention, the program causes the computer of the payment management apparatus to set the identification information of the agent based on the registration request of the agent performing the purchase agent of the purchase applicant, and the payment of the purchase applicant. Agent information registration means linked to means information and registered in the storage unit, and when the agent identification information is acquired from the store apparatus, the payment means information is recorded in the storage unit linked to the identification information Is configured to function as an authentication unit that outputs a permission to start a settlement process based on the settlement unit information.

  ADVANTAGE OF THE INVENTION According to this invention, the payment method which improves the service with respect to a store user can be provided.

It is the schematic of the store system provided with the payment management apparatus. It is a hardware block diagram of a payment management apparatus. It is a functional block diagram of a payment management apparatus. It is a figure which shows the processing flow of proxy information registration processing. It is a figure which shows the example of a payment means registration table. It is a figure which shows the processing flow of a payment process. It is a figure which shows the minimum structure of a payment management apparatus.

Hereinafter, a settlement management apparatus according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a schematic diagram of a store system including a payment management apparatus according to the embodiment.
As shown in this figure, the settlement management device 1 is connected to each device provided in the store 20 for communication. For example, an entrance / exit gate 2 is provided in the store. A plurality of product shelves 21 are provided in the store 20. Products are arranged on the product shelf 21.

  The store 20 managed by the store system 100 according to the present embodiment has a structure in which a user enters or exits through the entrance / exit gate 2. The store clerk need not be resident in the store 20. The user picks up the product from the product shelf 21 and exits through the entrance / exit gate 2. When the user leaves the store through the entrance / exit gate 2, any device in the store notifies the payment management device 1 of the user's identification information, the identification information of the product that the user has taken away, and the like. The settlement management device 1 automatically performs settlement processing based on the received user identification information and product identification information.

FIG. 2 is a hardware configuration diagram of the payment management apparatus.
As shown in FIG. 2, the payment management apparatus 1 includes a CPU (Central Processing Unit) 101, a ROM (Read Only Memory) 102, a RAM (Random Access Memory) 103, an HDD (Solid State Drive) 104, an interface 105, and a communication module 106. Each hardware configuration is provided as an example.

FIG. 3 is a functional block diagram of the payment management apparatus.
The CPU 101 of the payment management apparatus 1 executes a payment management program. As a result, the payment management apparatus 1 includes functions of a control unit 11, a proxy information registration unit 12, an authentication unit 13, a proxy code issuing unit 14, a payment processing unit 15, and a store usage detection unit 16.
As shown in FIG. 3, the payment management apparatus 1 is connected to a database 10. The settlement management device 1 is connected to each device provided in the store 20 such as the entrance / exit gate 2, the camera 3, and the product detection sensor 4 via the first communication network 6. The first communication network 6 is a dedicated communication network that connects, for example, the payment management device 1 and each device in the store 20. The payment management apparatus 1 is also connected to the terminal 5 carried by the user of the store 20 via the second communication network 7. The second communication network 7 is a mobile phone network or the Internet.

  The payment management device 1 according to the present embodiment registers the identification information of the agent in the database 10 in association with the payment means information of the purchase applicant based on the registration request of the agent who performs the purchase agent of the purchase applicant. Further, when the payment management apparatus 1 acquires the identification information of the agent from the store apparatus, and the payment means information is recorded in the database 10 in association with the identification information, the payment management apparatus 1 starts the payment process using the payment means information. Give permission. Moreover, the payment management apparatus 1 performs the payment process in the purchase agent by the agent using the payment means information indicated by the start permission based on the permission to start the payment process.

Next, the purchased product detection process of the payment management apparatus 1 will be described.
When the user of the store 20 passes the entrance / exit gate 2, he or she puts the two-dimensional code image displayed on the terminal 5 on a code reader provided at the entrance / exit gate 2. As a result, the entrance / exit gate 2 reads the two-dimensional code image and outputs the store user identification information indicated by the two-dimensional code to the payment management apparatus 1. The camera 3 outputs an image or moving image taken of the user to the payment management apparatus 1. As an example, the store usage detection unit 16 of the payment management apparatus 1 detects the timing of entering a store based on an image or moving image taken of the user, the trajectory of the user moving, and the timing of exiting based on the trajectory. Perform the process. The store usage detection unit 16 uses the user's identification information, the timing of entering or leaving the store, and the user's trajectory (coordinates in the store and the time when the user is at the coordinates) to the user. Are recorded in the database 10 in association with the store entry timing, store exit timing, and locus.

  The product detection sensor 4 is installed for each product displayed on the product shelf 21, for example. For example, when the user picks up a product, the product detection sensor 4 outputs a product acquisition signal including the product identification information and the store coordinates of the product in the product shelf 21 to the settlement management device 1. The store usage detection unit 16 identifies the user based on the correspondence between each coordinate and time indicated by the user's trajectory and the correspondence between the product identification information and the coordinate in the product acquisition signal received from the product detection sensor 4. The information and product identification information are linked and recorded in the purchased product detection table of the database 10.

  When the product is returned to the product shelf 21, the product detection sensor 4 outputs a product return signal including the product identification information and the store coordinates of the product in the product shelf 21 to the settlement management device 1. The store usage detection unit 16 purchases the database 10 based on the correspondence between each coordinate and time indicated by the user's trajectory and the correspondence between the product identification information and the coordinates of the product return signal received from the product detection sensor 4. Release the association between the user identification information and the product identification information recorded in the product detection table.

  As an example, by such processing, the payment management apparatus 1 can store information on which product the user has picked up and which product has been returned to the product shelf 21. Further, when the user passes through the entrance / exit gate 2 when leaving the store, he / she puts the two-dimensional code image displayed on the terminal 5 on a code reader provided at the entrance / exit gate 2. As a result, the entrance / exit gate 2 reads the two-dimensional code image and outputs the store exit information including the store user identification information indicated by the two-dimensional code to the settlement management device 1. The settlement management device 1 is based on the relationship between the user identification information recorded in the purchased product detection table of the database 10 and the product identification information when the user leaves the store through the entrance / exit gate 2. , It is possible to automatically detect a user's purchased product. The payment management apparatus 1 can automatically perform a payment process using the user identification information, the product identification information, the user credit card information, etc. recorded in the database 10. Note that the above-described processing of each device in the store 20 from the entrance to the store 20 of the user and the exit of the store and the above-described processing of the payment management device 1 are examples, and the products purchased by the user by other processing Processing to detect may be performed.

  In the present embodiment, the user who purchases the product at the store 20 is an agent who performs a purchase agent for the purchase applicant. The agent needs to obtain the permission of the purchase applicant in advance. The payment management apparatus 1 registers the identification information of the agent who has obtained the permission of the purchase agent from the purchase applicant in the database 10 and performs payment for the product purchase by the agent. Hereinafter, the processing of the payment management apparatus will be described in detail.

<First embodiment>
FIG. 4 is a diagram showing a processing flow of proxy information registration processing in the payment management apparatus.
The purchase applicant A may request the agent B to purchase a product at the store if he / she cannot purchase the product at the store by a predetermined time limit due to the schedule or the like. In such a situation, the purchase applicant A accesses the payment management apparatus 1 by operating the terminal 5a held by the purchase applicant A. The proxy information registration unit 12 of the payment management device 1 has the function of a web server device. The proxy information registration unit 12 receives an access from the terminal 5a (step S101). The proxy information registration unit 12 transmits a proxy information registration page to the terminal 5a by the function of the web server device (step S102).

  The terminal 5a displays a proxy information registration page on the screen. This proxy information registration page may include an input field for entering restriction information and a proxy registration button. The restriction information is, for example, an upper limit amount that can be used by the agent for product purchase. The purchase applicant A uses the terminal 5a to input restriction information on the proxy information registration page and presses the proxy registration button. The terminal 5a transmits a proxy information registration request including the upper limit amount which is the limit information and the ID of the purchase applicant A to the payment management apparatus 1. It is assumed that the purchase applicant A is registered in advance in the settlement management apparatus 1 and an ID is assigned to the purchase applicant A. Further, it is assumed that the card number of the credit card held by the purchase applicant A is recorded in the database 10 in association with the purchase applicant A ID. The card number of the credit card is an example of the payment means information.

  The proxy information registration unit 12 of the payment management apparatus 1 receives the proxy information registration request (step S103). The agency information registration unit 12 reads the purchase requester A ID and the upper limit amount included in the agency information registration request. The agency information registration unit 12 generates code information to be assigned to the agency B who acts as an agency for purchase by the buyer A (step S104). This code information includes at least the ID of purchase applicant A and the ID of agent B. Even if the ID of the agent B is not the ID of the agent B registered in the payment management apparatus 1 in advance, the agent B is temporarily issued by the agent code issuing unit 14 (agent identification information issuing unit). The identification information may be shown. The agent B performs an agent for purchasing a product desired by the purchase applicant A using the code information. Therefore, the code information can be defined as identification information for identifying the agent B. When the code information includes information to be kept secret, the proxy information registration unit 12 may encrypt all or part of the code information other than the ID of the proxy B using the key information.

  The proxy information registration unit 12 sets the ID of the purchase applicant A, the ID of the proxy B, the key information for decrypting the code information, the expiration date of the code information, the upper limit amount included in the proxy information registration request, and the ID of the purchase applicant A. Based on the payment means information such as the card number of the credit card acquired from the database 10 on the basis thereof, the payment means information is registered in the payment means registration table of the database 10 (step S105).

  The upper limit amount included in the proxy information registration request is the upper limit amount permitted by the purchase applicant A that the agent B can consume when performing the purchase agent for the purchase applicant A. If the agent B is also registered in the payment management apparatus 1 in advance, the purchase requester A has the ID of the desired agent B registered as a user in the agent input field provided on the agent information registration page. Or the like, and the proxy registration button may be pressed. At this time, the proxy information registration request includes the ID of the proxy B. The proxy information registration unit 12 may read the ID of the proxy B from the proxy information registration request and record it in the settlement means registration table in association with code information or the like.

FIG. 5 is a diagram showing an example of a payment means registration table.
As shown in this figure, the settlement means registration table in which each information is recorded by the agency information registration unit 12 is the ID of the buyer A, the ID of the agency B, the key information for decrypting the code information, and the validity of the code information. Payment means information such as a credit card number acquired from the database 10 based on the expiration date, the upper limit amount included in the proxy information registration request, and the ID of the purchase applicant A is recorded.

  When the proxy information registration unit 12 registers various information in the settlement means registration table, the proxy information registration unit 12 transmits the code information to the terminal 5a (step S106). The purchase applicant A can display the code information on the screen of the terminal 5a. The code information may be two-dimensional code information. The purchase applicant A can cause the terminal 5b to read the code information displayed on the terminal 5a by using the reading device of the terminal 5b owned by the agent B. The purchase applicant A can also print the code information received by the terminal 5a. The agent B reads the code information displayed on the terminal 5a by the terminal 5b owned by the agent B or receives the printed code information from the purchase applicant A. As a result, the agent B can acquire the code information. The code information may be transmitted directly to the terminal 5b owned by the agent B by the agent information registration unit 12 of the payment management apparatus 1. If the agent B is registered as a user in the payment management apparatus 1, transmission destination information such as a mail address to be displayed on the terminal 5b of the agent B is recorded in the database 10 in association with the ID of the agent B. The proxy information registration unit 12 may acquire the transmission destination information based on the ID of the proxy B and transmit the code information to the transmission destination indicated by the information.

FIG. 6 is a diagram showing a processing flow of a payment process in the payment management apparatus.
Next, with reference to FIG. 6, the settlement process when the agent B purchases a product will be described in order.
First, when the agent B passes the entrance / exit gate 2 of the store 20, he or she enrolls the two-dimensional code displayed on the terminal 5b based on the code information in a code reader provided at the entrance / exit gate 2. Alternatively, the agent B puts the two-dimensional code printed based on the code information to the code reader. As a result, the entrance / exit gate 2 reads the code information from the two-dimensional code and transmits the code information to the payment management apparatus 1. The entrance / exit gate 2 may be connected to the terminal 5b by wireless communication, and the code information may be automatically acquired without performing an operation in which the agent tricks the code information.

  The store usage detection unit 16 of the payment management apparatus 1 performs the purchase product detection process described above (step S201). Thereby, the payment management apparatus 1 can memorize | store the information which the agent B picked up and which goods it picked up and which goods were returned to the goods shelf 21. FIG. Further, when the agent B passes the entrance / exit gate 2 at the time of leaving the store, he / she puts the code image displayed on the screen of the terminal 5b or on the paper to the code reader provided at the entrance / exit gate 2. As a result, the entrance / exit gate 2 reads the code image and transmits store exit information including the code information indicated by the code image to the settlement management apparatus 1.

  The payment processing unit 15 of the payment management apparatus 1 receives the store exit information. The authentication unit 13 acquires code information (identification information of the agent B) from the store exit information (step S202). The authentication unit 13 obtains the ID of the purchase applicant A and the ID of the agent B from the code information. If the combination of the purchaser A's ID and the agent B's ID is registered in the settlement means registration table, the authentication unit 13 authenticates that the person who has passed through the entrance / exit gate 2 is the agent (step S203). ). This is an example of processing for determining whether or not a store visitor to the store 20 is the agent B. The authentication process of the authentication unit 13 is not limited to the timing when the agent B leaves the store, but may be performed when the store enters or when the purchased product detection process is started. The authentication process at the time of entering the store is the same as the process described above. In the case of the authentication process performed when the purchased product detection process is started, it is detected that the agent B first picks up the product, and the agent B enters the code reader of the entrance / exit gate 2 when entering the store. In addition, the code information may be detected, and the authentication process may be similarly performed based on the code information. When the authentication is completed, the authentication unit 13 outputs permission to start the payment process including the code information to the payment processing unit 15. The settlement processing unit 15 identifies the product registered in the purchased product detection table of the database 10 in association with the code information as a settlement target (step S204). The payment processing unit 15 is associated with the ID of the purchase applicant A and the ID of the agent B included in the code information, the key information registered in the payment means registration table of the database 10, the expiration date, the upper limit amount, and the payment means. Get information. When the code information is encrypted, the settlement processing unit 15 may decrypt the code information using the key information. The settlement processing unit 15 determines whether the processing time has expired. The settlement processing unit 15 advances the process when the processing time has not passed the expiration date. The settlement means information is assumed to be a credit card number.

  The settlement processing unit 15 acquires the amount of each product identified as a settlement target from the database 10 and calculates the total amount (step S205). The settlement processing unit 15 determines whether the total amount exceeds the upper limit amount (step S206). If the total amount exceeds the upper limit amount, the settlement processing unit 15 stops the settlement process and transmits warning information to the entrance / exit gate 2 (step S207). A display monitor is installed at the entrance / exit gate 2. The entrance / exit gate 2 displays warning information on the display monitor. In the warning information, a document indicating that the total amount exceeds the upper limit amount permitted for the agent B is displayed. The warning information may be output by sound from a speaker provided in the entrance / exit gate 2. The entrance / exit gate 2 may perform control to close the gate based on the warning information. If the payment processing unit 15 can acquire the ID of the agent B based on the code information or the terminal information of the agent B registered in the database 10 in association with the ID of the agent B, the terminal information The warning information may be transmitted to a transmission destination indicating the terminal 5b that can be identified from the above.

  If the total amount does not exceed the upper limit amount, the settlement processing unit 15 performs settlement processing using the acquired credit card number (step S208). The settlement processing includes credit processing based on the total amount to the credit card company using the card number, billing processing, and the like. When the payment processing is completed, the payment processing unit 15 may transmit payment completion information to the terminal 5a of the purchase applicant A and the terminal 5b of the agent B (step S209).

  According to the above-described processing, the settlement management device 1 can perform settlement processing with the upper limit amount designated by the purchase applicant A as the upper limit in the purchase agent of the agent B permitted by the purchase applicant A. Further, the purchase applicant A can make a purchase agent whose upper limit is the upper limit for the agent B permitted by the purchase applicant A.

  In the processing described above, when the agent B picks up the product on the product shelf 21, the payment management apparatus 1 immediately calculates the total amount of a plurality of products that have been picked up in the past, including the product, and sets the upper limit amount. You may determine whether it exceeds. For example, the store usage detection unit 16 determines the agent B based on the correspondence between the coordinates and time indicated by the user's trajectory and the correspondence between the product identification information and the coordinates of the product acquisition signal received from the product detection sensor 4. The identification information (code information) and the product identification information are linked to each other and recorded in the purchased product detection table of the database 10. Therefore, when the agent B picks up the product, the store usage detection unit 16 calculates the total amount of all the products recorded in the purchased product detection table. The store usage detection unit 16 acquires the upper limit amount from the settlement means registration table based on the code information.

  The store usage detection unit 16 determines whether the total amount exceeds the upper limit amount. When the total amount exceeds the upper limit amount, the store use detection unit 16 determines the identifier of the monitor near the position where the product is placed based on the product identification information recorded in the purchase product detection table lastly. Get from. When the total amount exceeds the upper limit amount, the store usage detection unit 16 may immediately transmit warning information to the monitor. The warning information is information such as a document indicating that the total amount exceeds the upper limit amount permitted for the agent B. As a result, the agent B can recognize that the total amount of each product obtained exceeds the amount permitted for consumption by the purchase applicant A when the product is picked up.

<Second embodiment>
In the above-described processing, the purchase applicant A registers the upper limit amount as the limit information in the payment management apparatus 1 from the proxy information registration page, but the limit information may be other information. For example, the restriction information may be information including an upper limit increase amount exceeding the upper limit amount in addition to the upper limit amount. In this case, the proxy information registration page displayed by the terminal 5a of the purchase applicant A may include an input field for inputting the upper limit amount, an input field for inputting the upper limit increase amount, and a proxy registration button. Purchasing applicant A uses terminal 5a to input the upper limit amount and the upper limit increase amount on the proxy information registration page, and presses the proxy registration button. The terminal 5a transmits a proxy information registration request including the upper limit amount, the upper limit increase amount, and the purchase requester A ID to the payment management apparatus 1. In this case, the agency information registration unit 12 further registers the upper limit increase amount in the settlement means registration table shown in FIG. 5 in association with the purchase applicant ID and the agency ID.

  The settlement management device 1 in the second embodiment changes the upper limit amount to be compared with the total amount in the settlement process to the upper limit increase amount when a predetermined condition is satisfied. Specifically, when the agent B does not have the stock of the product specified by the purchase applicant A, the agent B makes a payment using the terminal 5b of the agent B or the terminal 5 installed in the store 20. The web server device provided in the management device 1 is accessed and the upper limit raising request page is browsed. The agent B selects code information and a product that is not in stock on the upper limit increase request page. The terminal 5b and the terminal 5 transmit an upper limit increase request to the payment management apparatus 1.

  The upper limit raising request includes the code information of the agent B and the identification information of the product not in stock. The proxy information registration unit 12 receives the upper limit increase request. The agency information registration unit 12 acquires the identification information of the agency B from the code information included in the upper limit raising request. In addition, the proxy information registration unit 12 acquires identification information of an out-of-stock product included in the upper limit raising request. The agency information registration unit 12 reads the inventory quantity recorded in the inventory table of the database 10 in association with the product identification information. When the stock quantity is 0, the agent information registration unit 12 determines to use the upper limit increase amount instead of the upper limit amount at the time of the settlement process of the agent B acquired from the upper limit increase request.

  In the settlement means registration table shown in FIG. 5, it is assumed that an upper limit amount flag indicating whether the upper limit amount is used or the upper limit increase amount is used at the time of settlement processing is recorded. The agency information registration unit 12 updates the upper limit amount flag from a value indicating that the upper limit amount is used to a value indicating that the upper limit amount is used. The settlement processing unit 15 checks the upper limit amount flag at the time of settlement processing. When the upper limit amount flag is a value indicating that the upper limit amount is used, the settlement processing unit 15 acquires the upper limit amount and compares it with the total amount. When the upper limit amount flag is a value indicating that the upper limit increase amount is used, the settlement processing unit 15 acquires the upper limit increase amount and compares it with the total amount.

  If the purchase applicant A does not have the desired product by the above processing, the agent B needs to purchase a similar product with a high price. Even in such a case, when it is determined that there is no inventory by the notification of the agent B, the settlement management device 1 changes the upper limit amount to the upper limit increase amount based on the prior setting from the purchase applicant A and settles the settlement. Processing can be performed. The above-described example of the process for changing the upper limit amount is an example.

  As another example of the process of changing the upper limit amount, for example, a list of products that the purchase applicant A has permitted the agent B to purchase is recorded in the settlement means registration table of the database 10 by the process of the agency information registration unit 12. The database 10 also holds an inventory table in which the number of items in stock is recorded. Each time the agent B picks up a product, the store use detection unit 16 receives a product acquisition signal including identification information of the product. The store use detection unit 16 detects product identification information from the product acquisition signal, and reads the inventory quantity of the product from the inventory table based on the identification information. When the stock quantity of the product is 0, the store usage detection unit 16 automatically updates the upper limit amount flag from a value indicating that the upper limit amount is used to a value indicating that the upper limit amount is used. .

  Accordingly, the payment management apparatus 1 can perform the payment process by changing the upper limit amount to the upper limit increase amount without receiving notification using the terminal 5b of the agent B or the terminal 5 installed in the store 20.

<Third embodiment>
As described in the second embodiment, the purchase applicant A may register in the payment management apparatus 1 that the agent B is permitted to purchase only desired products.
In this case, the proxy information registration page further includes a product designation field for designating a product as an example of restriction information. The purchase applicant A uses the terminal 5a to input an upper limit amount and a product on the proxy information registration page, and presses a proxy registration button. The terminal 5a transmits to the payment management apparatus 1 a proxy information registration request including the upper limit amount and the product, which are the restriction information, and the ID of the purchase applicant A. The proxy information registration unit 12 of the payment management apparatus associates with the ID of the purchase applicant A or the ID of the agent B in the payment means registration table shown in FIG. 5 and further identifies the product identification information included in the proxy information registration request. Record.

  The settlement processing unit 15 determines whether identification information of a product that is not recorded in the settlement means registration table can be identified among the products identified as a settlement target. The settlement processing unit 15 stops the settlement process and includes the warning information of the entrance / exit gate 2 or the agent B when the product identified as the settlement target includes a product not recorded in the settlement means registration table. You may make it transmit to the terminal 5b. The display monitor and the screen of the terminal 5b provided in the entrance / exit gate 2 may display that the product to be purchased as the warning information includes a product not designated by the purchase applicant A or the product name of the product. .

  The store use detection unit 16 may warn that the product taken by the agent B is not the product designated by the purchase applicant A. In this case, the store use detection unit 16 receives a product acquisition signal including identification information of the product every time the agent B picks up the product. The store usage detection unit 16 detects the product identification information from the product acquisition signal, and determines whether the identification information is recorded in the settlement means information table in association with the ID of the agent B. When the product identification information obtained from the product acquisition signal is not recorded in the settlement means registration table in association with the ID of the agent B, the store usage detection unit 16 displays warning information in the vicinity of the terminal 5b or the product. You may control to display on the terminal in.

<Fourth embodiment>
The purchase applicant A may register a store in which the agent B can perform a purchase agent in the payment management apparatus 1.
In this case, the agency information registration page further includes a store designation field for designating a store as an example of restriction information. The purchase applicant A uses the terminal 5a to input an upper limit amount and select a store on the proxy information registration page, and press the proxy registration button. The terminal 5a transmits a proxy information registration request including the upper limit amount and the store identification information, which are the restriction information, and the ID of the purchase applicant A to the payment management apparatus 1. The agency information registration unit 12 of the settlement management apparatus is associated with the ID of the purchase applicant A and the ID of the agency B in the settlement means registration table shown in FIG. 5 and further stores identification information included in the agency information registration request. Record.

  When the authentication unit 13 performs authentication based on the identification information of the agent B acquired from the store exit information, the authentication unit 13 stores the stores recorded in the settlement means registration table based on the identification information of the agent B. Get identification information for. The authentication unit 13 determines whether or not the store identification information recorded in the settlement means registration table matches the store identification information that the agent B performs the purchase agent. If the identification information of the stores does not match, the authentication unit 13 outputs information indicating that the settlement process is not permitted to the settlement processing unit 15. When the payment processing unit 15 acquires information indicating that the start is not permitted, the payment processing unit 15 stops the payment process and outputs warning information to the entrance / exit gate 2. The entrance / exit gate 2 performs control to close the gate based on the warning information.

  By such processing, the payment management apparatus 1 can permit the agent B only to perform the purchase agent at the store permitted by the purchase applicant A.

  When the agent B enters the store 20, the payment management apparatus 1 outputs warning information that informs the agent B that the agent 20 is not permitted by the purchase applicant A to the entrance / exit gate 2. You may do it. In this case, when the agent B enters the store 20, the entrance / exit gate 2 includes the identification information of the agent B and the identification information of the store 20 indicated by the two-dimensional code read from the terminal 5b of the agent B. Store information is output to the payment management apparatus 1. The authentication unit 13 of the payment management apparatus 1 acquires the identification information of the agent B and the identification information of the store 20 included in the store entry information. If the identification information of the store 20 associated with the identification information of the authentication unit 13 agent B and recorded in the settlement means registration table does not match the identification information of the store 20 included in the entry information, warning information Is output to the entrance / exit gate 2. The entrance / exit gate 2 displays warning information on the monitor.

<Fifth embodiment>
The purchase applicant A may register an area where a store where the agent B can perform a purchase agent exists in the payment management apparatus 1.
In this case, the proxy information registration page further includes a region designation field for designating a region as an example of restriction information. The purchase applicant A uses the terminal 5a to input an upper limit amount and select a region on the proxy information registration page, and press the proxy registration button. The terminal 5a transmits a proxy information registration request including the upper limit amount and area identification information, which is the restriction information, and the ID of the purchase applicant A to the payment management apparatus 1. The proxy information registration unit 12 of the payment management apparatus associates with the ID of the purchase applicant A or the ID of the agent B in the payment means registration table shown in FIG. 5 and further identifies the area identification information included in the proxy information registration request. Record.

  When the authentication unit 13 performs authentication based on the identification information of the agent B acquired from the store exit information, the authentication unit 13 is a region recorded in the settlement means registration table based on the identification information of the agent B. Get identification information for. The authentication unit 13 determines whether or not the region identification information recorded in the payment means registration table matches the region identification information where the store where the agent B performs the purchase agent is located. If the identification information of the areas does not match, the authentication unit 13 outputs information indicating that the settlement process is not permitted to the settlement processing unit 15. When the settlement processing unit 15 acquires information indicating that start is not permitted, the settlement processing unit 15 outputs warning information to the entrance / exit gate 2. The entrance / exit gate 2 performs control to close the gate based on the warning information.

  By such processing, the payment management apparatus 1 can permit the agent B only in the purchase agent in the area permitted by the purchase applicant A.

  When the agent B enters the store 20, the payment management apparatus 1 enters and exits warning information that informs the agent B that the store 20 is located in an area that the purchase applicant A does not permit. 2 may be output. In this case, when the agent B enters the store 20, the entrance / exit gate 2 includes the identification information of the agent B and the identification information of the store 20 indicated by the two-dimensional code read from the terminal 5b of the agent B. Store information is output to the payment management apparatus 1. The authentication unit 13 of the payment management apparatus 1 acquires the identification information of the agent B and the identification information of the store 20 included in the store entry information. It is registered in the database 10 in association with the identification information of the region recorded in the settlement means registration table in association with the identification information of the authentication section 13 agent B and the identification information of the store 20 included in the store entry information. It is determined whether the identification information of the area where the store is located matches. If the identification information of the areas does not match, the authentication unit 13 outputs warning information to the entrance / exit gate 2. The entrance / exit gate 2 displays warning information on the monitor.

<Sixth embodiment>
The purchase applicant A may permit the agent B to perform a purchase agent at a plurality of stores 20. In this case, the settlement management device 1 updates the information in the settlement means registration table with the value obtained by subtracting the total amount from the upper limit amount or the upper limit increase amount in the settlement process as the new upper limit amount or the new upper limit increase amount. As a result, in stores other than the first store where the agent B performed the purchasing agent, the new upper limit amount or the new upper limit increase amount is set as the upper limit, and the settlement process is performed when the total amount does not exceed the upper limit.

  As a result, the settlement management apparatus 1 is able to purchase a product up to the upper limit amount or the upper limit increase amount permitted by the purchase applicant A even when the agent B performs purchasing agency at a plurality of stores. Can be done.

<Seventh embodiment>
The purchase applicant A may register a period in which the agent B can perform the purchase agent in the payment management apparatus 1.
In this case, the agency information registration page further includes a store designation field for designating a period as an example of restriction information. The purchase applicant A uses the terminal 5a to input an upper limit amount and select a period on the proxy information registration page, and press the proxy registration button. The terminal 5a transmits a proxy information registration request including information on the upper limit amount and period, which is the restriction information, and the ID of the purchase applicant A to the payment management apparatus 1. In the payment means registration table shown in FIG. 5, the proxy information registration unit 12 of the payment management device associates the ID of the purchase applicant A and the ID of the proxy B with the period information included in the proxy information registration request. Record.

  When the authentication unit 13 performs authentication based on the identification information of the agent B acquired from the store exit information, the authentication unit 13 records the period recorded in the settlement means registration table based on the identification information of the agent B. Get information about. The authentication unit 13 compares the period information recorded in the payment means registration table with the entry time of the agent B, and determines whether the entry time is included in the acquired period. If the entry time is not included in the period, the authentication unit 13 outputs information indicating that the payment processing is not permitted to the payment processing unit 15. When the payment processing unit 15 acquires information indicating that the start is not permitted, the payment processing unit 15 stops the payment process and outputs warning information to the entrance / exit gate 2. The entrance / exit gate 2 performs control to close the gate based on the warning information.

  By such processing, the settlement management apparatus 1 can permit the agent B only for the purchase agent during the period permitted by the purchase applicant A.

  When the agent B enters the store 20, the entrance / exit gate 2 settles the store information including the identification information of the agent B and the entry time indicated by the two-dimensional code read from the terminal 5b of the agent B. Output to the management apparatus 1. The authentication unit 13 of the payment management apparatus 1 acquires the identification information of the agent B included in the store entry information and the store entry time of the store 20. It is determined whether the store entry time included in the store entry information is included in the period recorded in the settlement means registration table in association with the identification information of the authentication unit 13 agent B. The authentication unit 13 outputs warning information to the entrance / exit gate 2 when the store entry time is not included in the period. The entrance / exit gate 2 displays warning information on the monitor.

FIG. 7 is a diagram showing the minimum configuration of the payment management apparatus.
The payment management device 1 may include at least a proxy information registration unit and an authentication unit. Then, the authentication unit 13 of the payment management apparatus 1 may output a payment start permission to the payment processing apparatus provided in the store 20, for example. In this case, the payment processing apparatus performs the processing of the payment processing unit 15 and the processing of the store use detection unit 16 described above.

  In each of the embodiments described above, the processing when the store 20 is a real store has been described, but the store 20 may be a virtual store. In this case, instead of the entrance / exit gate 2 of the store system 100, the web server device provided in the settlement management device 1 has a virtual store use determination function of the user. If it is a virtual store, the warning information is transmitted to the terminal 5 used by the user, and the terminal 5 displays it on the monitor.

  In the processing described above, the payment management apparatus 1 may use the biometric feature information of the agent B as the code information without transmitting the code information to the agent B's terminal. In this case, the agent B performs user registration in the payment management apparatus 1 in advance. The agent B registers the biometric feature information in the payment management apparatus 1 at the time of user registration. The biological feature information may be fingerprint feature information, iris feature information, facial feature information, or the like. In this case, the entrance / exit gate 2 is provided with a biometric feature information reader. When the agent B passes the entrance / exit gate 2, he / she causes the reader to read the characteristic information of his / her biological body and passes the entrance / exit gate 2. The biometric feature information is used instead of the code information in the above-described embodiments. In this case, the identification information of the purchase applicant A is not included in the biometric feature information, but the identification information of the purchase applicant A is registered in the database 10 in association with the biometric feature information of the agent B. For example, the payment management apparatus 1 can identify the purchase applicant A's identification information and perform the same processing as in the above embodiments.

  Although each embodiment of the present invention has been described above, according to the processing of the payment management apparatus 1 described above, it is possible to provide a payment method for improving a service for a store user (purchase applicant).

  The payment management apparatus 1 described above has a computer system therein. A program for causing the payment management apparatus 1 to perform each process described above is stored in a computer-readable recording medium of the payment management apparatus 1, and the program of the payment management apparatus 1 reads and executes the program. Thus, the above process is performed. Here, the computer-readable recording medium means a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, or the like. Alternatively, the computer program may be distributed to the computer via a communication line, and the computer that has received the distribution may execute the program.

  Further, the program may be for realizing a part of the functions of each processing unit described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

  A part or all of the above-described embodiment can be described as in the following supplementary notes, but is not limited thereto.

(Appendix 1)
A proxy information registration unit for registering the identification information of the agent in the storage unit in association with the payment means information of the purchaser based on a registration request of the agent performing the purchase agent of the purchase applicant;
Authentication that outputs permission to start payment processing by the payment means information when the payment means information is recorded in the storage unit in association with the identification information when the identification information of the agent is acquired from the store apparatus And
A payment management apparatus comprising:

(Appendix 2)
A payment processing unit that performs payment processing in the purchase agent using payment means information indicated by the start permission based on the start permission of the payment processing;
The settlement management device according to attachment 1, further comprising:

(Appendix 3)
An agent identification information issuing unit for issuing identification information of the agent used for the purchase agent based on the registration request of the agent;
The settlement management device according to attachment 2, further comprising:

(Appendix 4)
The authentication unit determines whether or not a store visitor is the agent,
The payment processing unit reads the payment means information of the purchase requester associated with the identification information of the agent when the shopkeeper is the agent, and uses the payment means information in the purchase agent The settlement management device according to appendix 2 or appendix 3, which performs settlement processing.

(Appendix 5)
The agency information registration unit registers restriction information in the agency for purchase in the storage unit in association with identification information of the agent,
The settlement management device according to any one of appendix 2 to appendix 4, wherein the settlement processing unit limits settlement processing in the purchase agent based on the restriction information.

(Appendix 6)
The restriction information is an upper limit of the settlement amount in the purchase agent,
The payment management apparatus according to claim 5, wherein the payment processing unit stops the payment processing when a payment amount in the purchase agent exceeds an upper limit of the payment amount.

(Appendix 7)
The restriction information indicates an upper limit of the settlement amount and an upper limit increase amount exceeding the upper limit,
The settlement processing unit uses the upper limit increase amount instead of the upper limit of the settlement amount based on the acquisition of the upper limit increase request, and the settlement process when the settlement amount in the purchasing agency exceeds the upper limit increase amount. The settlement management device according to appendix 6.

(Appendix 8)
The proxy information registering unit subtracts the settlement amount determined in the settlement process from the upper limit when the settlement process is performed, and updates the value of the amount indicated by the upper limit to a value after the subtraction. Payment management device.

(Appendix 9)
The restriction information is information for restricting purchased products in the purchasing agency,
9. The settlement according to any one of appendix 5 to appendix 8, wherein the settlement processing unit stops the settlement process when a product determined to be purchased by the agent in the purchasing agent is not a purchased product indicated by the restriction information. Management device.

(Appendix 10)
The restriction information is information for restricting a period for performing the purchase agent,
The payment processing unit stops the payment processing when the time for performing the payment processing of the agent in the purchasing agent is not included in the period indicated by the restriction information. Payment management device.

(Appendix 11)
The restriction information is information for restricting a store where the purchase agent is performed,
The said payment processing part stops the said payment process, when the store which performs the payment of the said agent in the said purchase agent is not included in the store which the said restriction information shows. Payment management device.

(Appendix 12)
The restriction information is information for restricting a region where the purchase agent is performed,
The payment processing unit stops the payment processing when the area where the store that performs the payment processing of the agent is located in the purchasing agency is not included in the area indicated by the restriction information. The payment management device according to one item.

DESCRIPTION OF SYMBOLS 1 ... Payment management apparatus 2 ... Entrance / exit gate 3 ... Camera 4 ... Product detection sensor 5 ... Terminal 10 ... Database 11 ... Control part 12 ... Proxy information registration part DESCRIPTION OF SYMBOLS 13 ... Authentication part 14 ... Agent code issuing part 15 ... Settlement processing part 16 ... Store use detection part 20 ... Store 21 ... Goods shelf 101 ... CPU
102 ... ROM
103 ... RAM
104 ... HDD
105 ... Interface 106 ... Communication module

Claims (10)

A proxy information registration unit for registering the identification information of the agent in the storage unit in association with the payment means information of the purchaser based on a registration request of the agent performing the purchase agent of the purchase applicant;
Authentication that outputs permission to start payment processing by the payment means information when the payment means information is recorded in the storage unit in association with the identification information when the identification information of the agent is acquired from the store apparatus And
A payment management apparatus comprising: A payment processing unit that performs payment processing in the purchase agent using payment means information indicated by the start permission based on the start permission of the payment processing;
The settlement management device according to claim 1, comprising: An agent identification information issuing unit for issuing identification information of the agent used for the purchase agent based on the registration request of the agent;
The payment management apparatus according to claim 2, comprising: The authentication unit determines whether or not a store visitor is the agent,
The payment processing unit reads the payment means information of the purchase requester associated with the identification information of the agent when the shopkeeper is the agent, and uses the payment means information in the purchase agent The settlement management device according to claim 2 or 3, wherein settlement processing is performed. The agency information registration unit registers restriction information in the agency for purchase in the storage unit in association with identification information of the agent,
The payment management device according to any one of claims 2 to 4, wherein the payment processing unit limits payment processing in the purchasing agent based on the restriction information. The restriction information indicates the upper limit of the settlement amount and the upper limit increase amount exceeding the upper limit,
The settlement processing unit uses the upper limit increase amount instead of the upper limit of the settlement amount based on the acquisition of the upper limit increase request, and the settlement process when the settlement amount in the purchasing agency exceeds the upper limit increase amount. The settlement management device according to claim 5. The restriction information is information for restricting purchased products in the purchasing agency,
The payment management device according to claim 5 or 6, wherein the payment processing unit stops the payment processing when the product determined to be purchased by the agent in the purchasing agent is not the purchased product indicated by the restriction information. The restriction information is information for restricting a period for performing the purchase agent,
The payment processing unit stops the payment processing when the time for performing the payment processing of the agent in the purchasing agent is not included in a period indicated by the restriction information. The payment management device described in 1. Based on the registration request of the agent performing the purchase agent of the purchase applicant, the identification information of the agent is associated with the payment means information of the purchase applicant and registered in the storage unit,
When the identification information of the agent is acquired from the store apparatus, if the payment means information is recorded in the storage unit in association with the identification information, the start permission of the payment process by the payment means information is output. Management method. The computer of the payment management device,
Proxy information registration means for registering the identification information of the agent in the storage unit in association with the payment means information of the purchase applicant based on a registration request of the agent performing the purchase agent of the purchase applicant;
Authentication that outputs permission to start payment processing by the payment means information when the payment means information is recorded in the storage unit in association with the identification information when the identification information of the agent is acquired from the store apparatus means,
Program to function as.

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