JP2020009200A - Settlement management program and settlement management method, and user terminal - Google Patents

Abstract

To provide a settlement management program that can easily collect turnover information even when settlement is made using a machine reading code.SOLUTION: A settlement management program is for causing: a display step of causing a user terminal performing settlement processing using a machine reading code with respect to a shop side settlement terminal connected to a settlement information collection server to display a selection screen for selecting which a settlement processing function using the machine reading code of any of a plurality of brands is implemented; an input step of receiving a user input designating the brand selected in the selection screen; and an output step of outputting an instruction causing the machine reading code to be generated with respect to the settlement processing function dealing with the brand selected by the user input of the settlement processing functions provided with the user terminal to be implemented.SELECTED DRAWING: Figure 1

Description

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

  There is a payment method using a machine-readable code such as a barcode or a two-dimensional code (for example, see Patent Document 1). In this payment method, payment information including information on a purchase price, a transfer destination thereof, and a purchase information identifier is converted into a two-dimensional code, and the two-dimensional code is displayed on an information terminal. The user captures the two-dimensional code using a camera function of a mobile terminal such as a smartphone owned by the user, and transmits the captured payment information to the payment server. Thereby, for example, it is possible to pay the store by performing the transfer processing of the amount corresponding to the payment amount from the user's deposit account associated with the identification information of the mobile terminal.

JP 2003-141433 A

  However, a user may use a plurality of payment service companies that provide a payment processing service based on a machine-readable code, and use different payment service companies according to the payment amount and the product or service to be paid. For this reason, stores often support a plurality of settlement service companies in order to improve the convenience of services for users. In doing so, the store needs to collect payment-related information from each of the plurality of payment service companies in order to manage sales in the payment using the machine-readable code. Different payment systems have different methods of collecting payment information. Then, there is a problem that the labor and burden for collecting and collecting the information regarding the payment are increased.

  The present invention has been made in view of such circumstances, and a purpose thereof is to provide a payment management program and a payment management program that can easily collect sales information even when performing payment using a machine-readable code. It is to provide a management method and a user terminal.

  In order to solve the above-mentioned problem, the present invention provides a payment process using a machine-readable code for a user terminal that performs a payment process using a machine-readable code for a store-side payment terminal connected to a payment information collection server. A display step of displaying a selection screen for selecting which one of a plurality of brands to execute the payment processing function, and receiving a user input designating the brand selected on the selection screen And outputting an instruction to generate a machine-readable code for the payment processing function corresponding to the brand selected by the user input, among the payment processing functions provided in the user terminal. It is a payment management program.

  Further, the present invention is a payment management method in a user terminal for performing a payment process using a machine-readable code to a store-side payment terminal connected to a payment information collection server, wherein the display unit uses the machine-readable code. A selection screen for selecting which of a plurality of brands to execute the payment processing function, which is a payment processing function for performing the payment processing, and the input unit specifies the brand selected on the selection screen Payment, wherein the output unit outputs an instruction to generate a machine-readable code for a payment processing function corresponding to the brand selected by the user input among payment processing functions provided in the user terminal. It is a management method.

  The present invention is also a user terminal that performs a payment process using a machine-readable code to a store-side payment terminal connected to a payment information collection server, and a payment processing function that performs a payment process using a machine-readable code. A display unit for displaying a selection screen for selecting which of the plurality of brands to execute the payment processing function among a plurality of brands, and an input unit for receiving a user input specifying the brand selected on the selection screen, A generation instruction output unit that outputs an instruction to generate a machine-readable code for a payment processing function corresponding to the brand selected by the user input among payment processing functions provided in the user terminal. .

As described above, according to the present invention, a selection input of a brand to be used is received, and an instruction to generate a machine-readable code for a payment processing function corresponding to the selected brand is output. This allows the payment processing function to perform the payment processing using the function of generating the machine-readable code, so that the store-side payment terminal captures an image of the machine-readable code and transmits the payment information from the store-side payment terminal. Since settlement can be performed via the collection server, sales information can be easily collected.
Even if there are a plurality of brands, settlement processing can be performed with the brand server of each brand after passing through the information collection server. Can collect sales information.

FIG. 1 is a schematic block diagram illustrating a configuration of a settlement system 1 according to an embodiment of the present invention. FIG. 2 is a functional block diagram illustrating a functional configuration of a user terminal. FIG. 3 is a functional block diagram illustrating a functional configuration of a store-side payment terminal 20. It is a figure showing the concept of the 1st settlement processing. It is a figure showing the concept of the 2nd settlement processing. FIG. 3 is a functional block diagram illustrating a functional configuration of a payment information collection server 40. FIG. 3 is a sequence diagram illustrating an operation of the payment system 1 when performing a payment process based on a first payment process. FIG. 3 is a diagram illustrating an example of a screen displayed on a display unit 101 of the user terminal 10. FIG. 3 is a diagram illustrating an example of a screen displayed on a display unit 101 of the user terminal 10. FIG. 4 is a diagram showing an example of information stored in a sales management server 50.

Hereinafter, a payment system according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a schematic block diagram showing a configuration of a settlement system 1 according to an embodiment of the present invention.
In this figure, the payment system 1 includes a user terminal 10, a store-side payment terminal 20, a network 30, a payment information collection server 40, a sales management server 50, a brand server 60a, a brand server 60b, and a brand server 60c (hereinafter, not particularly identified). In this case, it is simply referred to as a brand server 60), a prepaid account server 80a, a credit account server 80b, a bank account server 80c, and a store management terminal 90.

The user terminal 10 is, for example, a smartphone, a mobile phone, or the like, and is carried by the user. In this embodiment, a case where the user is a person who purchases a product or service will be described as an example.
The user terminal 10 has a payment function of performing payment by exchanging information with the store-side payment terminal 20 or the brand server 60 using a machine-readable code (for example, a two-dimensional barcode).
Here, FIG. 2 is a functional block diagram illustrating a functional configuration of the user terminal 10. The user terminal 10 includes a display unit 101, an input unit 102, a storage unit 103, an application management unit 104, a control unit 105, and a communication unit 106.

The display unit 101 is, for example, a liquid crystal display device and displays various information. For example, the display unit 101 displays a selection screen which is a payment processing function for performing a payment processing using a machine-readable code and selects which of a plurality of brands to execute a payment processing function.
The display unit 101 displays an input screen for inputting information necessary for performing payment using a machine-readable code. For example, when it is necessary to input a payment amount in the user terminal 10, an input screen for inputting the payment amount is displayed.
The input unit 102 is, for example, an input device such as a touch pad, and receives input of various information input by a user operation. For example, a user input designating a brand selected on the selection screen of the display unit 102 is received. The input unit 102 receives data input to an input field on the input screen displayed on the display unit 102. The input unit 102 may be configured by a touch pad. Further, the input unit 102 and the display unit 102 may be configured by one touch panel.

  The storage unit 103 is configured by a storage device such as a volatile memory or a non-volatile memory, and stores various information. For example, the storage unit 103 stores an application program. This application program is a program for implementing a payment processing function for performing payment processing using a machine-readable code. This application program is provided from each settlement service company when there are a plurality of settlement service companies that provide the settlement service, and may be downloaded from a predetermined download site and stored in the storage unit 103. Alternatively, it may be stored in the storage unit 103 in advance.

In performing the payment process using the machine-readable code, the application program has a machine-reading code display function of displaying the machine-reading code issued by executing the application program on the display unit 101, and a function of the store-side payment terminal 20. It has a machine-readable code image capturing function of capturing an image of a machine-readable code displayed on the display screen by an imaging unit such as a camera of the user terminal 10 and performing a payment process using the captured machine-readable code.
The machine-readable code is information issued for settlement in response to purchase of a product or service. The machine-readable code can be issued by an application program or a brand server 60 of a brand to be settled.
The machine readable code can include various information. For example, the machine-readable code includes a payment amount, which is an amount to be settled, user identification information for identifying a user who uses the user terminal 10, store identification information for identifying the store where the store-side payment terminal 20 is installed, or store-side information. The payment terminal identification information for identifying the payment terminal 20, the brand identification information for identifying the brand to be settled, the payment identification information for individually identifying the payment processing, and the like may be included, but all of these pieces of information are not necessarily included. There is no necessity, and only some information may be included.

  The application management unit 104 executes an application program to be started among a plurality of application programs stored in the storage unit 103. For example, the application management unit 104 is stored in the storage unit 103 as an application management program, and when a user inputs a request for performing payment using a machine-readable code, the application management program is executed, thereby executing the application management program. The function of the management unit 104 is realized. When a request for performing payment using the machine-readable code is input, the application management unit 104 displays a selection screen on the display unit 101 to select which brand of a plurality of brands performs the payment processing function. Is displayed. Here, the selectable brands are the brands of the respective providers of the application programs stored in the storage unit 103.

  Further, the application management unit 104 includes a generation instruction output unit 1041. When a user input for designating a brand is received by the input unit 102, the generation instruction output unit 104 executes a payment processing function provided in the user terminal 10, that is, an application program for executing a payment process stored in the storage unit 103. Among these, an instruction to execute an application program corresponding to the brand selected by the user input from the input unit 102 is output, and an instruction to generate a machine-readable code by the application program is output. Here, the generation instruction output unit 104 outputs an instruction to generate a machine readable code by the application program, and thereby performs the machine readable code display function among the machine readable code display function and the machine readable code imaging function of the application program. Can be executed. Thereby, when performing payment using the machine-readable code in the user terminal 10, the machine-readable code display that can execute the application program of the selected brand only by having the user select a target brand to be used. There is no need for the user to select which of the functions and the machine-readable code imaging function to use, and the machine-readable code display function can be executed.

  The application management unit 104 may be configured by hardware, or a program for realizing the functions of the application management unit 104 may be stored in the storage unit 103, and the user may perform a payment process using a machine-readable code. The function of the application management unit 104 may be realized by the control unit 105 reading out this program from the storage unit 103 and executing the program in response to the input of the request. In this case, the program that implements the application management unit 104 may be stored in the storage unit 103 in advance, or may be downloaded from a predetermined server by the user terminal 10 according to an instruction from the user and stored in the storage unit 103. You may do so.

The control unit 105 controls each unit in the user terminal 10. The control unit 105 reads out and executes the application program stored in the storage unit 103 to perform a process for performing payment using the machine-readable code.
The control unit 105 performs a payment process using the machine-readable code to the brand server 60 via the payment information collection server 40, for example. As a result, the control unit 105 setstle the payment using any of the user's pre-registered charge points or charged cash, bank account, or credit account in the prepaid account server 80a, the credit account server 80b, the bank account server 80c, or the like. Can be performed.
The control unit 105 stores user identification information for identifying a user who uses the user terminal 10 in a memory area provided therein. The user identification information is assigned by performing user registration when starting use of the settlement system 1. Since the user identification information only needs to be able to identify the user individually, the telephone number of the user terminal 10, the individual identification number of the user terminal 10, or the like may be used.
The control unit 105 may be configured by a processing device such as a CPU (central processing unit) or a dedicated electronic circuit.
The communication unit 106 communicates with external devices.

Next, FIG. 3 is a functional block diagram illustrating a functional configuration of the shop-side settlement terminal 20. The store-side payment terminal 20 includes a communication unit 201, an imaging unit 202, an input unit 203, an output unit 204, a control unit 205, and a storage unit 206. One of the store-side settlement terminals 20 may be installed in one store, or a plurality of the store-side settlement terminals 20 may be installed in one store.
The store here is a facility where the store-side settlement terminal 20 is installed. This store is, for example, a retail store, each station of transportation, a bicycle parking lot, a parking lot, a game center, and the like. Here, the store is not limited to a facility for at least one of selling goods and providing services, and may be any facility that can at least sell goods and provide services. For example, it may be a facility such as a complex commercial facility or a theme park accommodating a plurality of stores.
The facility referred to here may be a facility controlled for each corporation, a facility controlled for each branch in each region, or a facility controlled for each building. The unit to be controlled and the size of the facility are arbitrary.

Although one store-side payment terminal 20 is described in FIG. 3, a plurality of store-side payment terminals 20 can be provided in the payment system 1. Payment terminal identification information for identifying each of them is assigned to the store-side payment terminal 20. In addition, store identification information can also be assigned to the store-side settlement terminal 20. Both the settlement terminal identification information and the store identification information may be assigned, or only one of them may be assigned. When both are assigned, sales can be totaled for each store and for each store-side settlement terminal 20.
Further, here, as the shop identification information, information for individually identifying the shop, information for identifying a company to which the shop belongs, or information including both may be used. For example, when the company is a convenience store, one or both of the information for identifying the convenience store and the information for identifying the store belonging to the convenience store (for example, the XX store of the convenience store A) are displayed. Can be used.

The communication unit 201 communicates with external devices.
The communication unit 201 has a function of transmitting payment information corresponding to a payment process using a machine-readable code to the user terminal 10 to the payment information collection server 40.
The communication unit 201 receives the machine-readable code when issued for payment in association with the purchase of a product or service in association with the user identification information. Here, the machine readable code issuing function for issuing the machine readable code can be provided, for example, in any of the brand server 60, the user terminal 10, and another server device.

  The imaging unit 202 reads a machine-readable code that is issued for settlement in response to purchase of a product or service and that is displayed on a display screen of the display unit 101 of the user terminal 10. As the imaging unit 202, for example, a camera can be used.

  The input unit 203 inputs various information. The input unit 203 uses, for example, an input button or a touch panel, and receives an operation input corresponding to an operation of a user or a clerk.

The output unit 204 outputs various information. For example, the output unit 204 can use one or a plurality of display devices such as a liquid crystal display device, electronic paper, and a touch panel.
The output unit 204 can also display a machine-readable code, for example.

The control unit 205 controls each unit in the store-side payment terminal 20.
The control unit 205 can perform a payment process corresponding to a plurality of types of payment methods.
The control unit 205 has a machine-readable code payment processing function of performing a payment process using a machine-readable code for the user terminal 10. More specifically, the control unit 205 reads the machine-readable code output to the user terminal 10 by the imaging unit 202, and sets the payment result identification information or the store identification information for identifying the shop-side payment terminal 20 or the store identification information, the read result, and the amount. The payment process is performed by either a first payment process of transmitting payment acceptance information based on the payment information to the payment information collection server 40 or a second payment process of outputting a machine-readable code in a state where the user terminal 10 can read the output terminal 204. Do. The control unit 205 executes a first payment process when the machine-readable code display function is executed in the user terminal 10, and executes a second payment process when the machine-read code imaging function is executed in the user terminal 10. Execute the process. Here, the settlement route (procedure) differs between the first settlement process and the second settlement process.

  Here, FIG. 4 is a diagram illustrating the concept of the first settlement process. In the first payment processing, when the user terminal 10 receives information (for example, payment amount, user identification information, etc.) necessary for generating a machine-readable code, a request to generate a machine-readable code is sent to various payment processing in the present invention. Is transmitted to the settlement server that performs the payment, that is, the brand server 60 corresponding to the brand to be settled, and when the machine-readable code transmitted from the brand server 60 is received (reference S1), the code is displayed on the screen (reference S2). The store-side payment terminal 20 images the displayed machine-readable code (reference S3), and setstles payment terminal identification information for identifying the store-side payment terminal 20 or payment acceptance information based on the read result and the amount. The information is transmitted to the information collection server 40 (reference S4). When the settlement is completed according to the settlement processing, a settlement completion notice is transmitted from the brand server 60 to the user terminal 10 (reference S5), and a settlement completion notice is sent from the brand server 60 to the store via the settlement information collection server 40. Is transmitted to the side settlement terminal 20 (reference S6).

FIG. 5 is a diagram illustrating the concept of the second settlement processing.
When the information (for example, the payment amount and the payment terminal identification information) necessary for generating the machine-readable code is input to the store-side payment terminal 20, a request for generating the machine-read code is sent to the brand corresponding to the brand to be settled. When the machine read code is transmitted to the server 60 and the machine read code transmitted from the brand server 60 is received (reference S11), the machine read code is displayed on the screen in a state where the user terminal 10 can read the code (reference S12).
The user terminal 10 captures an image of the displayed machine-readable code (reference S13), and transmits payment acceptance information based on information or the like included in the machine-read code to the brand server 60 corresponding to the brand to be settled (reference S14). ). When the settlement is completed according to the settlement processing, a settlement completion notice is transmitted from the brand server 60 to the user terminal 10 (reference S15), and a settlement completion notice is sent from the brand server 60 to the store via the settlement information collection server 40. Is transmitted to the side settlement terminal 20 (reference S16).

Whether the settlement is performed in the first settlement process or the second settlement process is determined by a user who selects, in a case where the settlement is performed according to a settlement method determined by a brand used in performing the settlement, in a store performing the settlement process. There may be various situations, such as following the settlement method set in accordance with the settlement method set according to the amount to be settled. In the present embodiment, the brand is selected on the brand selection screen displayed on the display unit 101. When the machine reading code is instructed by the generation command output unit 1041 of the user terminal 10 to be displayed, the machine reading code is displayed on the display unit 101 of the user terminal 10. At 20, a first settlement process is executed.
Note that the store-side payment terminal 20 can execute either the first payment process or the second payment process, but in the embodiment, the first payment process will mainly be described.

  The storage unit 206 stores various information. For example, the storage unit 206 stores the payment terminal identification information and the store identification information assigned to the in-store payment terminal 20.

FIG. 6 is a functional block diagram illustrating a functional configuration of the payment information collection server 40.
The payment information collection server 40 includes a communication unit 401, a machine-readable code payment management unit 402, a machine-read code payment status collection unit 403, a control unit 405, and a storage unit 406.
The payment information collection server 40 has a function of collecting and storing information relating to payment performed using the user terminal 10 or the store-side payment terminal 20.

The communication unit 401 communicates with other devices via the network 30.
The communication unit 401 has a function of transmitting the payment result acquired by the machine-readable code payment status collection unit 403 described later to the sales management server 50, and responds to a payment process using a machine-readable code transmitted from the store-side payment terminal 20. It has a function of receiving payment information and transmitting the received payment information to the payment server (brand server 60). Here, by transmitting payment information corresponding to the payment processing using the machine-readable code transmitted from the store-side payment terminal 20 to the payment server, the payment server is made to perform the payment processing based on the payment information, A payment result indicating whether or not the payment processing has been completed normally can be received.
For example, the communication unit 401 has a function of receiving payment acceptance information transmitted from the store-side payment terminal 20 in response to the first payment process being performed by the store-side payment terminal 20, It has a function of transmitting the payment acceptance information to the brand server 60 when the reception information is received, and a function of receiving a payment result that is a result of the payment based on the payment acceptance information performed by the brand server 60 that has received the payment acceptance information.
In addition, in response to the second payment process being performed, the communication unit 401 transmits payment acceptance information based on the machine-readable code from the user terminal 10 to the brand server 60, and the brand server 60 performs payment based on the payment acceptance information. Has a function of receiving, from the brand server 60, a settlement result that is a result of the execution.

  In addition, the communication unit 401 has a function of transmitting the settlement result stored in the storage unit 406 to the sales management server 50 when a predetermined transmission timing comes. The transmission timing may be at regular intervals, may be a timing at which a predetermined time has arrived, or may be a timing at which a transmission request is received from the outside. The transmission timing from the outside may be a transmission request from another device such as the sales management server 50, or may be a timing at which a transmission instruction is input from an input device connected to the outside of the payment information collection server 40. There may be.

The machine-readable code payment management unit 402 receives information related to payment performed using the machine-read code by the communication unit 401 and transmits the information to a device different from the transmission source. The machine readable code payment management unit 402 also has a function as a gateway between devices that perform payment using the machine readable code.
The machine-readable code payment status collection unit 403 collects information on payment processing using the machine-read code between the store-side payment terminal 20 and the user terminal 10 in the payment system 1, and manages sales via the communication unit 401. It has a function of transmitting data to the server 50 periodically. This collection corresponds to, for example, performing a payment using a machine-readable code based on the first payment processing or the second payment processing between the store-side payment terminal 20 and the user terminal 10, and the brand server 60 (payment). The result of the payment process performed by the server is received from the brand server 60 and acquired.

  The control unit 405 controls each unit in the payment information collection server 40.

The storage unit 406 stores various information such as information related to payment. The information regarding the payment includes, for example, a payment result performed using a machine-readable code.
The settlement result made using the machine-readable code can be received by the communication unit 401. The settlement result includes a settlement result performed in response to the two-dimensional barcode displayed on the user terminal 10 being imaged by the imaging unit 202 of the shop-side settlement terminal 20 and an output unit of the shop-side settlement terminal 20. There is a settlement result performed in response to the two-dimensional barcode displayed in 204 being imaged by the user terminal 10. In the present embodiment, when the user selects a brand on the brand selection screen displayed on the display unit 101, the generation instruction output unit 1041 instructs the generation instruction output unit 1041 to generate a machine-readable code. Since the read code is displayed, the first payment process is executed in the store-side payment terminal 20. Therefore, the storage unit 406 stores a payment result performed in response to the two-dimensional barcode displayed on the user terminal 10 being imaged by the imaging unit 202 of the store-side payment terminal 20.

  Referring back to FIG. 1, the network 30 may be any one of various networks such as the Internet and a VPN, or may be configured using two or more. The network 30 may be wired or wireless, or may include both wired sections and wireless sections.

The sales management server 50 has a communication unit 51 and a sales information storage unit 52. The communication unit 51 communicates with other devices via the network 30. In addition, the communication unit 51 receives, from the payment information collection server 40, payment information indicating the content of the payment.
The sales information storage unit 52 stores the received payment information as sales information. This sales information can also be periodically (for example, every day or every week) delivered to the brand server 60 of the corresponding brand. The sales management server 50 includes a server device, for example, a general-purpose computer or a personal computer.

The brand servers 60a, 60b, and 60c (hereinafter, simply referred to as the brand server 60 when no particular identification is required) have a function of performing various payment processes, and function as payment servers. The settlement process may be, for example, a process corresponding to any one of the first settlement process, the second settlement process, and the third settlement process.
Here, a case will be described in which there are three brand servers, that is, brand servers 60a, 60b, and 60c, but any one of one, two, four, or more may be used.

  The brand server 60a, the brand server 60b, and the brand server 60c periodically (for example, every day or every week) transmit the payment information transmitted from the sales management server 50 and the payment information transmitted from the payment information collection server 40 ( Or payment acceptance information), the payment acceptance information transmitted from the user terminal 10 can be acquired.

The brand server 60a, the brand server 60b, and the brand server 60c are server devices managed by a company that operates each brand (settlement service). The brand is, for example, a brand of prepaid electronic money operated by a distribution company or a railway company, a brand of postpaid electronic money operated by a credit company, or a brand of prepaid electronic money dedicated to Internet settlement. And so on. These brands correspond to at least one of payment using a machine-readable code and payment based on payment acceptance information transmitted from the payment information collection server 40.
When performing payment by electronic money using a machine-readable code, the brand server 60a, the brand server 60b, and the brand server 60c add user identification information for identifying a user to the machine-readable code based on the machine-readable code. Based on this, by specifying the account to be settled, the settlement can be performed by the prepaid method or the postpay method.

The brand server 60a, the brand server 60b, and the brand server 60c store user identification information and account information for specifying an account to be settled (a prepaid account for performing point or cash charge, a bank account, or a credit account for performing credit settlement). When the payment processing is performed, an account to be settled is specified based on the user identification information, and an account server corresponding to the specified account (a prepaid account server 80a, a credit account server 80b, a bank account The payment process can be performed by communicating with the server 80c).
In performing the payment processing, the brand server 60a, the brand server 60b, and the brand server 60c access an account server capable of performing the payment processing and perform the payment. For example, the brand server 60a performs the payment processing using the prepaid account server 80a, the brand server 60b uses the credit account server 80b, and the brand server 60c performs the payment processing using the bank account server 80c.
For example, the brand server 60a stores a charge point in a charge account corresponding to cash in association with the user identification information, and in response to a charge request from the user terminal 10, a bank associated with the user terminal 10. The charge points are charged by withdrawing from an account (for example, a bank account for which the prepaid account server 80a performs a settlement process).
In addition, when there is a settlement request from the user terminal 10 or when there is a settlement request via the store-side settlement terminal 20 using the user terminal 10, the brand server 60a responds to the amount to be settled. The settlement is performed by subtracting the charge points from the charge account of the user.
The brand server 60a performs settlement by a prepaid method, for example.

  The prepaid account server 80a performs a prepaid settlement by performing a withdrawal process from the prepaid account for an amount corresponding to the settlement process performed via the brand server 60a. The prepaid account server 80a is connected to, for example, the brand server 60a and performs a payment process. The prepaid account server 80a performs settlement by a prepaid method.

The credit account server 80b is a payment using the store-side payment terminal 20, and performs a credit payment by a payment method of performing payment by a credit card. The credit account server 80b is connected to, for example, the brand server 60b and performs a payment process.
When performing payment using the credit account server 80b, for example, payment is performed by a postpay method. That is, after the settlement processing is performed in the brand server 60b, the amount corresponding to the amount to be settled is debited from the credit account corresponding to the user identification information of the user to settle in response to a request from the brand server 60b.

  The bank account server 80c is connected to the brand server 60c, and performs payment by withdrawing the amount to be settled from the bank account corresponding to the user identification information to be settled in accordance with the payment processing performed via the brand server 60c. When performing settlement using the bank account server 80c, settlement is performed by, for example, a post-pay method. That is, after the settlement processing is performed in the brand server 60c, in response to a request from the brand server 60c, the amount corresponding to the amount to be settled is deducted from the account corresponding to the user identification information of the user to settle. It can be said to be a kind of credit settlement. In addition, the bank account server 80c can perform the payment according to the so-called debit payment by performing the payment processing of debiting the amount corresponding to the purchase amount from the user's bank account without using the charge point.

  The store-side management terminal 90 is provided in a store in which the store-side settlement terminal 20 is provided. The store manager can use the store-side management terminal 90 to refer to the history of payments made using the store-side payment terminal 20. The store-side management terminal 90 can refer to the settlement history stored in the storage unit 206 of the store-side settlement terminal 20, for example. Further, among the sales information stored in the sales management server 50, the sales information for which settlement has been made in the own store can be referred to. In this way, the store-side management terminal 90 can refer to both the history of the non-contact communication electronic money settlement performed in the own store and the history of the settlement using the machine-readable code. The settlement history using the machine-readable code can refer to the settlement history of both the first settlement process and the second settlement process.

Next, the operation of the above-described settlement system 1 will be described.
FIG. 7 is a sequence diagram illustrating the operation of the payment system 1 when performing a payment process based on the first payment process. FIGS. 8 and 9 illustrate an example of a screen displayed on the display unit 101 of the user terminal 10. FIG. Payment processing may be performed in either the first payment processing or the second payment processing in the payment system 1, but in this example, the function of the application management unit 104 of the user terminal 10 is used to respond to the user's brand selection designation. The case where settlement is performed in the first settlement process will be described.
The control unit 105 of the user terminal 10 activates the function of the application management unit 104 when a user inputs a start instruction of payment application software (step S101). The application management unit 104 starts in response to a start instruction. Next, the application management unit 104 causes the display unit 101 to display a selection screen for selecting which of the plurality of brands to execute the payment processing function (step S102, FIG. 8). When the user selects a brand and touches a button of a target brand to be used, the input unit 102 of the user terminal 10 receives a user input of a brand corresponding to the touched button (step S103). Upon receiving a user input through the input unit 102, the application management unit 104 outputs, through the generation instruction output unit 1041, an instruction to execute an application program corresponding to the brand selected by the user input input from the input unit 102, An instruction to generate a machine-readable code is output by the application program (step S104). In response to these instructions, the control unit 105 reads out the instructed application program from the storage unit 103 and executes it. Then, by executing the application program, control unit 105 displays a screen for inputting the payment amount on display unit 101 (FIG. 9), and accepts a user input of the amount via input unit 102 (step S105). . Although any method may be used for inputting the amount, for example, there are three methods. That is, in the store where the store-side settlement terminal 20 is installed, the user terminal 10 reads the product code including the information indicating the price of the product on the shelf label attached to the product display shelf on which the product is displayed, and reads the read product code. May be input by extracting the price information from the control unit 105. The product code may be read not only from the shelf label but also from a barcode attached to the product as the product code. Then, when there are a plurality of products to be purchased, the product code of the shelf label corresponding to each product may be read, and the total value thereof may be calculated to receive the amount input.
As a method of inputting the amount of money, by selecting and inputting a product to be purchased on the Web, the amount of money corresponding to the selected product may be extracted. For example, a user comes to a store, picks up a product to be purchased, accesses a Web page provided by the store with the user terminal 10, moves to a page on which the product to be purchased is posted, and displays the product or the product. By inputting the price from the input unit 102, the input of the amount is accepted.
In addition to the input method of the two amounts, the user may input the amount from the input unit 102 to receive the amount.
In addition, although the case where the application program accepts the input of the amount has been described, when the application management unit 104 accepts the selection of the brand, the application management unit 104 also accepts the input of the amount and activates the application of the selected brand. At this time, the value of the amount may be transferred to the application program.

  When the amount is input, the control unit 205 of the user terminal 10 transmits the payment machine generation code generation request and the user identification information of the own user terminal 10 to the brand server 60 corresponding to the brand to be paid. It transmits (step S106). The brand to be settled is the brand selected in step S103.

Upon receiving the request for generating a machine-readable code, the brand server 60 generates data for generating a machine-readable code for generating a machine-read code using the user identification information, the payment identification information, and the brand identification information of the user terminal 10. (Step S401), data for generating a machine-readable code is transmitted to the user terminal 10 that has issued the generation request (Step S402). The payment identification information is information for individually identifying one payment process, and is generated in the brand server 60. By using this payment identification information, it is possible to individually specify payment procedures. The brand identification information is information for identifying the brand of the own brand server 60. This brand identification information is assigned to each brand server 60.
Here, the case in which the brand server 60 generates the machine-readable code generation data using the user identification information, the payment identification information, and the brand identification information has been described. At the time of transmission to 60, the user may input the amount to be settled, and the amount may be received together with a request to generate a machine-readable code. Thereby, the brand server 60 can also generate the machine-readable code generation data including the amount of money in addition to the user identification information, the payment identification information, and the brand identification information.

Upon receiving the machine-reading code generation data, the control unit 105 of the user terminal 10 generates a machine-reading code based on the received machine-reading code generation data and the amount input in step S101 (step S107).
Here, a case has been described in which data for generating a machine-readable code obtained by making a request for generation of a machine-readable code to the brand server 60 is used. The unit 105 may execute the application program to generate a machine-readable code using the user identification information, the amount, and the brand identification information.

  When the machine read code is generated, the user terminal 10 displays the generated machine read code on the display unit 102 (Step S108). When the machine-readable code is displayed, the user turns the display unit 102 of the user terminal 10 to a range where the imaging unit 202 of the store-side payment terminal 20 can image.

The imaging unit 202 of the store-side payment terminal 20 images the machine-readable code displayed on the display unit 102 of the user terminal 10 (Step S201). The control unit 205 of the store-side payment terminal 20 transmits the photographed machine-readable code and the payment terminal identification information assigned to the store-side payment terminal 20 to the payment information collection server 40 as payment acceptance information, or captures the image. The amount, user identification information, payment identification information, and brand identification information are extracted from the machine read code, and the extracted information and payment terminal identification information are transmitted to the payment information collection server 40 as payment acceptance information (step S202).
Here, the case where the brand identification information is included in the machine-readable code has been described, but may not be included in the machine-readable code. In this case, when the store-side payment terminal 20 captures the machine-readable code using the imaging unit 202, the store-side payment terminal 20 selects and inputs a target brand for payment from among the brands displayed on the output unit 204 of the store-side payment terminal 20. You may be asked to do it. Then, the brand identification information of the brand selected and input may be transmitted to the payment information collection server 40 together with the information obtained from the machine read code.
Further, the case where the amount to be settled is included in the machine-readable code has been described, but may not be included in the machine-readable code. In this case, when photographing the machine-readable code by the imaging unit 202, the clerk may input the amount to be settled from the input unit 203 of the store-side settlement terminal 20.
Further, the case has been described where the payment terminal identification information included in the payment acceptance information is set by the store-side payment terminal 20, but the payment terminal identification information may be set in the user terminal 10. For example, when inputting the amount, the user terminal 10 includes the payment terminal identification information (or the store identification information) in the product code of the shelf label attached to the product display shelf, so that the user terminal 10 can input the amount. The payment terminal identification information may also be input to the. In addition, by setting payment terminal identification information (or store identification information) on the Web page when selecting and inputting a product to be purchased on the Web, the payment terminal identification information ( Alternatively, the store identification information may be input by extracting it from the Web page.

  Further, when the machine-readable code is displayed on the display unit 102 of the user terminal 10, the amount to be settled may be displayed for the number. In this case, the store clerk may make the store-side payment terminal 20 read after confirming whether or not the amount displayed on the display unit 102 is correct. In this case, the machine reading code can be read after confirming that the amount to be settled is correct, so that the settlement process can proceed with the error-free amount.

  Upon receipt of the payment acceptance information, the machine-readable code payment management unit 402 of the payment information collection server 40 stores the received payment acceptance information in the storage unit 406, and also stores the brand of the brand corresponding to the brand identification information included in the payment acceptance information. The settlement acceptance information is transmitted to the server 60 (step S301).

Upon receiving the payment reception information from the payment information collection server 40, the brand server 60 performs payment based on the user identification information and the amount included in the payment reception information. For example, when the brand server 60 that has received the payment acceptance information is a brand that performs payment by the prepaid method, the charge account corresponding to the user identification information included in the payment acceptance information is specified, and the amount included in the payment acceptance information is specified. (Step S403), in which the charge point corresponding to is debited from the charge account.
When the debit processing is correctly performed, the brand server 60 transmits a payment completion notification indicating that the debit processing has been correctly completed to the payment information collection server 40 together with the payment identification information included in the payment acceptance information (step S404). Further, based on the user identification information included in the payment acceptance information, the brand server 60 transmits a payment completion notification together with the payment identification information to the user terminal 10 corresponding to the user identification information as a transmission destination (step S405).

Upon receiving the payment completion notification and the payment identification information from the brand server 60, the machine-readable code payment management unit 402 of the payment information collection server 40 refers to the storage unit 406 and stores the payment acceptance information corresponding to the received payment identification information. The payment terminal identification information included in the specified payment acceptance information is specified, and a payment completion notification and payment identification information are transmitted to the store-side payment terminal 20 corresponding to the payment terminal identification information (step S302). . Furthermore, the machine-readable code payment management unit 402 of the payment information collection server 40 stores the specified payment reception information in the storage unit 406 in association with information indicating the completion of payment (step S303).
When a predetermined transmission timing arrives, the machine-readable code payment status collection unit 403 of the payment information collection server 40 sets the payment acceptance information stored in the storage unit 406 and a payment method indicating that the payment method is a machine-readable code. The sales information including the information and the information indicating the settlement completion is transmitted to the sales management server 50 (step S304). Here, the sales information may be transmitted each time the payment completion notification is received from the brand server 60. Upon receiving the sales information and the like through the communication unit 51, the sales management server 50 stores the received sales information in the sales information storage unit 52 (Step S501).
In the sales management server 50, for example, as shown in FIG. 10, user identification information, amount, brand identification information, payment terminal identification information, date and time, product information, payment method, and the like are stored in association with each other.
The date and time information may be the time at which the payment information collection server 40 receives the payment completion notification, or may be included in the sales information and transmitted to the sales management server 50 by the payment information collection server 40.
Also, the product information is, for example, when the user terminal 10 reads a product code on a product display shelf or the like at the stage of having the user input the price through the input unit 103 in the process of inputting the price in step S101. The product information included in the product code may be acquired and the product information may be used. Alternatively, when a product to be purchased is selected and input on the web, product information obtained from data on the web may be used. It may be. Then, in step S103, the user terminal 10 may generate a machine-readable code including the obtained product information. By including the merchandise information in the settlement acceptance information, the sales management server 50 can store the merchandise information as sales information.
The settlement method includes information indicating that the settlement is made using the machine-readable code, and information indicating the settlement method when there is sales information settled by another settlement method.

  When the store-side payment terminal 20 receives the payment completion notification and the payment identification information from the payment information collection server 40, the store-side payment terminal 20 stores the generated payment reception information in the storage unit 206 in association with the information indicating the payment completion, and outputs the information to the output unit 204. Displays information indicating the completion of payment based on the payment completion notification. For example, a message such as "payment is completed" is displayed on the display screen of the output unit 204, and a light emitting element such as an LED (light emitting diode) is blinked a predetermined number of times. In this way, the store clerk confirms that the payment has been completed, and then delivers the product or the like to the user (step S205).

  On the other hand, upon receiving the payment completion notification from the brand server 60, the control unit 105 of the user terminal 10 displays on the screen of the display unit 102 that the payment corresponding to the read machine-readable code has been completed (step S109). .

  After transmitting the payment completion notification to the payment information collection server 40 and the user terminal 10, the brand server 60 performs payment processing of the settled amount to the store account of the store-side payment terminal 20 (step S404).

As described above, when performing payment using the machine-readable code, the application management unit 104 receives a selection input of a brand to be used by the input unit 102, and performs the first application to the application program of the selected brand. Settled payment processing. This allows the application program to perform the first payment processing of the first payment processing and the second payment processing, so that the payment can be performed via the payment information collection server 40. Therefore, sales information can be collected even when making a payment using a machine-readable code. Here, when the second payment process is performed, the machine-readable code prepared by the store is imaged by the user terminal, and the user terminal communicates with the brand server without intervening the store-side payment terminal or the like. Since the payment process is performed between the user terminal and the brand server, the store cannot obtain information on the payment process in real time. Further, even if the information regarding the settlement is obtained at the store side, after a certain period of time has passed since the settlement was made (a case where the information is transmitted once a day at a predetermined time, or the end of the month is determined. On the same day), it will be obtained from each of the brand servers. In this case, the timing of transmission from each brand server is not always the same, so that sales management is difficult. However, according to the above-described embodiment, when performing payment using the machine-readable code, the user can be guided to perform the first payment processing of the first payment processing and the second payment processing. In addition, since the user only has to select the brand that he or she wants to use, the burden is small.
Further, in the above-described embodiment, even if there are a plurality of brands, the payment processing can be performed with the brand server 60 of each brand via the information collection server 40, and the payment result can be obtained. Even if there are a plurality of brands, the sales information can be collected at the timing of performing the payment processing.

  Note that, in the above-described embodiment, the case where the payment information collecting server 40 communicates with the brand server 60 via the network 30 has been described. At least one brand server 60 among the plurality of brand servers 60 may communicate with another device via the mediation server. In such a case, the payment information collection server 40 transmits the payment reception information to the brand server 60 by transmitting the payment reception information to the mediation server connected to the brand server 60 to which the payment reception information is transmitted. Then, the payment information collecting server 40 receives the payment result, which is the result of the payment processing according to the payment acceptance information, from the brand server 60 via the mediation server. Thereby, the payment information collection server 40 can communicate with the brand server 60 that communicates via the mediation server via the mediation server, and can collect the payment result.

Further, after the sales information is aggregated in the sales management server 50, by using the store identification information included in the sales information and totalizing the sales information for each store identification information, a payment process using contactless communication, The sales can be managed by totalizing each payment process of the payment process using the machine-readable code.
When a plurality of store-side payment terminals 20 are installed in one store, each store-side payment terminal 20 is set based on the store identification information of each of the plurality of store-side payment terminals 20 installed in the store. It is also possible to total sales information.

  The settlement date may be used as the sales information. For example, when the store-side payment terminal 20 performs the payment process, the date and time information at that time may be added to the payment result or the like. As a result, totalization based on the sales date can be performed.

  The user terminal 10, the store-side payment terminal 20, or the payment information collection server 40 in the above-described embodiment may be realized by a computer. In that case, a program for realizing this function may be recorded on a computer-readable recording medium, and the program recorded on this recording medium may be read and executed by a computer system. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer-readable recording medium” refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a storage device such as a hard disk built in a computer system. Further, the “computer-readable recording medium” refers to a communication line for transmitting a program via a network such as the Internet or a communication line such as a telephone line, which dynamically holds the program for a short time. Such a program may include a program that holds a program for a certain period of time, such as a volatile memory in a computer system serving as a server or a client in that case. The program may be for realizing a part of the functions described above, or may be a program that can realize the functions described above in combination with a program already recorded in a computer system, It may be realized using a programmable logic device such as an FPGA (Field Programmable Gate Array).

  As described above, the embodiments of the present invention have been described in detail with reference to the drawings. However, the specific configuration is not limited to the embodiments, and includes a design and the like within a range not departing from the gist of the present invention.

  DESCRIPTION OF SYMBOLS 10 ... User terminal, 15 ... IC card, 20 ... Store side settlement terminal, 30 ... Network, 40 ... Payment information collection server, 50 ... Sales management server, 51 ... Communication part, 52 ... Sales information storage part, 60, 60a, 60b, 60c: brand server, 80a: prepaid account server, 80b: credit account server, 80c: bank account server, 90: store side management terminal, 101, 202: imaging unit, 102: display unit, 103, 203 ... input unit , 105, 205, 405 control unit, 106, 201, 401 communication unit, 204 output unit, 206, 406 storage unit, 207 non-contact reading unit, 402 machine payment code settlement management unit, 403 Machine reading code payment status collection unit, 404 ... Non-contact communication electronic money payment unit

Claims (3)

A user terminal that performs a payment process using a machine-readable code to a store-side payment terminal connected to the payment information collection server,
A display step of displaying a selection screen that is a payment processing function for performing a payment processing using a machine-readable code, and that selects any one of a plurality of brands to execute a payment processing function;
An input step of receiving a user input designating a brand selected on the selection screen;
And outputting an instruction to generate a machine-readable code for a payment processing function corresponding to the brand selected by the user input among payment processing functions provided in the user terminal. . A payment management method in a user terminal that performs a payment process using a machine-readable code for a store-side payment terminal connected to a payment information collection server,
The display unit is a payment processing function for performing payment processing using a machine-readable code, and displays a selection screen for selecting which brand of the plurality of brands to execute the payment processing function,
The input unit receives a user input designating the brand selected on the selection screen,
A payment management method, wherein an output unit outputs an instruction to generate a machine-readable code for a payment processing function corresponding to a brand selected by the user input, among payment processing functions provided in the user terminal. A user terminal that performs a payment process using a machine-readable code for a store-side payment terminal connected to the payment information collection server,
A display unit that displays a selection screen that is a payment processing function that performs a payment processing using a machine-readable code and that selects which of a plurality of brands performs a payment processing function among a plurality of brands.
An input unit that receives a user input designating a brand selected on the selection screen,
A generation instruction output unit that outputs an instruction to generate a machine-readable code for a payment processing function corresponding to a brand selected by the user input, among payment processing functions provided in the user terminal.

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