JP2021162987A - Information processing method - Google Patents

Abstract

To present information to a user in accordance with purchase status of the user.SOLUTION: A settlement processing apparatus 1 includes: a token transmission unit 132 which causes a storage unit 12, on receipt of a request to issue a settlement code from a user terminal, to store a user ID and a settlement token for generating the settlement code in association with each other, and transmits the settlement token to the user terminal; a settlement information receiving unit 133 which receives the settlement token, store information, and settlement information on purchase of a commodity or a service purchased by a user in a store, from a store terminal having read the settlement code displayed on a user terminal 2 on the basis of the settlement token; and an advertisement information transmission nit 135 which acquires, when the settlement token stored in the storage unit 12 is coincident with the received settlement token, presentation information including information on a store different from the above store, information on a company different from the company of the store, or information on a predetermined commodity, on the basis of the received store information, and transmits the information to the user terminal.SELECTED DRAWING: Figure 2

Description

The present invention relates to an information processing method for executing a process related to code payment.

Code payment using a two-dimensional bar code such as a QR code (registered trademark) is widespread (see, for example, Patent Document 1, Patent Document 2, and Patent Document 3). The code payment is made by reading the two-dimensional bar code displayed by the store side by the user terminal or by reading the two-dimensional bar code displayed by the user terminal by the store side.

Japanese Patent No. 6528160 Japanese Patent No. 6473539 Japanese Patent No. 6542455

In conventional code payment, coupons can be uniformly presented to users who make code payments, and benefits corresponding to the coupons can be given at the time of payment, but effective advertisements and information that the store wants to deliver to users, etc. There is a problem that various kinds of information cannot be presented to the user according to the purchase status of the user.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide an information processing method capable of presenting information to a user according to a purchase situation of the user.

The information processing method according to the first aspect of the present invention includes a user identifier for identifying the user from a user's terminal executed by a computer and a request for issuing a payment code for the user to make a payment at a store. The step of associating the acquired user identifier with the payment token for generating the payment code and storing it in the storage unit, the step of transmitting the payment token to the terminal, and the above. From the store terminal that reads the payment code displayed by the terminal based on the payment token, the payment token, store information for identifying the store, and the user's purchase of goods or services at the store. When the step of receiving the payment information relating to the payment information, the payment token stored in the storage unit, and the received payment token match, the user identifier associated with the payment token and the user identifier associated with the payment token When the step of making a payment based on the received payment information and the payment token stored in the storage unit match the received payment token, based on the store information received. A step of acquiring presentation information including information on a store different from the store, information on a business operator different from the business operator operating the store, or information on a predetermined product or service, and transmitting the acquired presentation information to the terminal. Has steps to do.

The information processing method according to the second aspect of the present invention includes a user identifier for identifying the user from a user's terminal executed by a computer and a request for issuing a payment code for the user to make a payment at a store. The step of associating the acquired user identifier with the payment token for generating the payment code and storing it in the storage unit, the step of transmitting the payment token to the terminal, and the above. A step of receiving the payment token and payment information regarding the purchase of goods or services at the store by the user from the store terminal that has read the payment code displayed by the terminal based on the payment token, and the above. When the payment token stored in the storage unit and the received payment token match, payment is performed based on the user identifier associated with the payment token and the received payment information. When the step, the payment token stored in the storage unit, and the received payment token match, the information regarding the predetermined store and the predetermined business operator are based on the received payment information. It has a step of acquiring presentation information including information or information about a predetermined product or service, and a step of transmitting the acquired presentation information to the terminal.

The information processing method according to the third aspect of the present invention includes a user identifier for identifying the user from a user's terminal executed by a computer and a request for issuing a payment code for the user to make a payment at a store. The step of associating the acquired user identifier with the payment token for generating the payment code and storing it in the storage unit, the step of transmitting the payment token to the terminal, and the above. From the store terminal that reads the payment code displayed by the terminal based on the payment token, the payment token, store information for identifying the store, and the user's purchase of goods or services at the store. When the step of receiving the payment information relating to the payment information, the payment token stored in the storage unit, and the received payment token match, the user identifier associated with the payment token, When the step of making a payment based on the received payment information, the payment token stored in the storage unit, and the received payment token match, the payment token is associated with the payment token. A step of acquiring presentation information including information on a predetermined store, information on a predetermined business operator, or information on a predetermined product or service based on the user identifier, and a step of transmitting the acquired presentation information to the terminal. And have.

According to the present invention, there is an effect that information can be presented to the user according to the purchase situation of the user.

It is a figure which shows the outline of the payment system. It is a figure which shows the functional structure of the payment processing apparatus. It is a figure which shows an example of an advertisement DB. It is a figure which shows an example of the settlement history DB. It is a figure which shows the functional structure of a user terminal. It is a figure which shows the functional structure of a store terminal. It is an operation sequence diagram of a payment system.

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of the payment system S. When the user purchases a product at the store, the payment system S displays the payment code on the user terminal in response to a request from the user terminal possessed by the user, and the payment code is read by the store. It is a system that makes payments accordingly. The payment code is a text or image that can be read by the terminal on the store side used for payment at the store, and is a code used at the time of payment.

The payment system S includes a payment processing device 1, a user terminal 2, and a store terminal 3. The payment processing device 1 is a server that setstles the purchase amount. The payment processing device 1 also functions as an information processing device that presents advertisement information as presentation information to the user when the purchase amount is settled. The user terminal 2 is an information terminal used by the user, for example, a smartphone, a tablet, or a personal computer. The store terminal 3 is, for example, a POS terminal.
Hereinafter, the flow until the advertisement information is presented to the user will be described with reference to FIG.

The user moves to the store and purchases the product at the store. When accounting is performed at a store, the user activates application software for payment and performs an operation for displaying the payment code on the user terminal 2. When the user terminal 2 receives the operation for displaying the payment code, the user terminal 2 transmits the user ID as the user identifier and the acquisition request of the payment code to the payment processing device 1 ((1) in FIG. 1).

When the payment processing device 1 receives the user ID and the acquisition request of the payment code from the user terminal 2, the payment processing device 1 generates a payment token ((2) in FIG. 1). The payment token is a data string used when the user terminal 2 generates a payment code presented by the user at the store. The payment processing device 1 stores the generated payment token and the user ID in the storage medium in association with each other ((3) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the user terminal 2 ((4) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the user terminal 2 after encrypting the payment token.

The user terminal 2 generates and displays a payment code based on the received payment token ((5) in FIG. 1).
The user presents the payment code when the purchase price of the product is settled at the store cashier. Then, for example, by the operation of the store clerk, the store terminal 3 reads the payment code displayed on the user terminal 2 ((6) in FIG. 1).

The store terminal 3 sends a payment request including payment information including the total amount of products purchased by the user, a payment token indicated by the read payment code, and store information for identifying the store to the payment processing device 1. It is transmitted ((7) in FIG. 1).

When the payment processing device 1 receives the payment token from the store terminal 3, it determines whether or not the received payment token matches the payment token transmitted to the user terminal 2. When the payment processing device 1 determines that the payment tokens match, the payment processing device 1 executes the payment processing based on the payment request ((8) in FIG. 1).

Further, when the payment processing device 1 determines that the payment tokens match, the advertisement DB in which the store information, the product ID that identifies the product included in the payment information, or the user ID is associated with each of the plurality of advertisement information. (Database) is referred to, and the advertisement information to be presented to the user is acquired ((9) in FIG. 1).

The payment processing device 1 transmits the payment completion information indicating that the payment has been completed and the acquired advertisement information to the user terminal 2 ((10) in FIG. 1). The user terminal 2 displays the received payment completion information and the advertisement information ((11) in FIG. 1).

By operating as described above, the payment system S can present effective advertising information to the user based on the user's purchase status, store visit status, and user ID.
Hereinafter, the details of the configurations of the payment processing device 1, the user terminal 2, and the store terminal 3 will be described.

[Functional configuration of payment processing device 1]
FIG. 2 is a diagram showing a functional configuration of the payment processing device 1. The payment processing device 1 includes a communication unit 11, a storage unit 12, and a control unit 13.

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium for storing various types of data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores a program executed by the control unit 13. The storage unit 12 stores a payment program that causes the control unit 13 to function as an issuance request acquisition unit 131, a token transmission unit 132, a payment information receiving unit 133, a payment processing unit 134, and an advertisement information transmission unit 135.

Further, the storage unit 12 stores the payment token generated by the control unit 13 in association with the user ID acquired from the user terminal 2. Further, the storage unit 12 stores the advertisement DB 121 in which the store ID, the product ID for identifying the product included in the payment information, or the user information which is the information about the user is associated with each of the plurality of advertisement information.

FIG. 3 is a diagram showing an example of the advertisement DB 121. The advertisement DB 121 is constructed, for example, by a business operator that operates a store corresponding to store information. As shown in FIG. 3, in the advertisement DB 121, it can be confirmed that the store information, the product ID, and the user information are associated with the advertisement information. The advertisement information is, for example, an advertisement image, an advertisement video, and an advertisement text transmitted to the user terminal 2, but is not limited to this, and may be advertisement data including these advertisement images, the advertisement video, and the advertisement text. Further, the advertisement information is, for example, advertisement information related to a product designated in advance by a business operator operating a store corresponding to the store information. By doing so, it is possible to send the advertisement information desired by the business operator to the user. Further, the advertisement information may be coupon information.

The store information is information including, for example, a store ID that identifies a store in which a store terminal 3 is installed, and a business ID as business identification information that identifies a business operator that operates the store. The user information is, for example, a range of the number of payments in which the user has made a code payment, and a range of the total payment amount of the code payment.

As shown in FIG. 3, it is assumed that one store information and one product ID are associated with one advertisement information, but the present invention is not limited to this, and one advertisement information includes a plurality of items. The store information may be associated with a plurality of product IDs.

In addition, the storage unit 12 stores the payment history DB 122 showing the history of the user's code payment. FIG. 4 is a diagram showing an example of the settlement history DB 122. As shown in FIG. 4, the code payment history information includes the user ID, the number of times the user has made the code payment, the average amount when the user has made the code payment, and the store of the store where the user has made the code payment. Information that associates information. The store information of the store where the user has made the code payment may be the store information of the store where the user has made the code payment relatively frequently.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 executes the issuance request acquisition unit 131, the token transmission unit 132, the payment information receiving unit 133, the payment processing unit 134, and the advertisement information transmission unit 135. Functions as. Details of the operation of each unit of the control unit 13 will be described later.

[Functional configuration of user terminal 2]
FIG. 5 is a diagram showing a functional configuration of the user terminal 2. The user terminal 2 has an operation unit 21, a communication unit 22, a display unit 23, a storage unit 24, and a control unit 25. The control unit 25 includes an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254.

The operation unit 21 is an operation device that accepts user operations, and is, for example, a touch panel provided on the surface of the display unit 23. The operation unit 21 notifies the operation reception unit 251 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting and receiving data to and from a base station of a mobile phone network. The communication unit 22 inputs the payment token or the like received from the payment processing device 1 into the code generation unit 253.

The display unit 23 is a display that displays various types of information. The display unit 23 displays the payment code based on the control of the code generation unit 253.

The storage unit 24 is a storage medium including a ROM, RAM, and the like. The storage unit 24 stores a program executed by the control unit 25. The storage unit 24 stores a program that causes the control unit 25 to function as an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254. In addition, the storage unit 24 stores the payment token received from the payment processing device 1, the payment code generated based on the payment token, and the like.

The control unit 25 is, for example, a CPU, and functions as an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254 by executing a program stored in the storage unit 24.

The operation reception unit 251 specifies the operation content of the user based on the signal input from the operation unit 21. When the specified operation content is an operation for displaying the payment code on the user terminal 2, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. When the operation reception unit 251 receives an operation for displaying the payment code on the user terminal 2, the request transmission unit 252 transmits the user ID and the payment code acquisition request via the communication unit 22. It is transmitted to the payment processing device 1.

When the payment token is transmitted from the payment processing device 1, the code generation unit 253 generates a payment code based on the payment token. The code generation unit 253 generates a payment code based on, for example, a predetermined rule. The code generation unit 253 causes the display unit 23 to display the generated payment code.
When the display control unit 254 receives the payment completion information indicating that the payment has been completed and the advertisement information from the payment processing device 1, the display control unit 254 displays these information on the same screen of the display unit 23.

[Functional configuration of store terminal 3]
FIG. 6 is a diagram showing a functional configuration of the store terminal 3. The store terminal 3 has an operation unit 31, a reading unit 32, a communication unit 33, a display unit 34, a storage unit 35, and a control unit 36.

The operation unit 31 is an operation device that accepts the user's operation, and is, for example, a button for selecting a product to be purchased by the user or a touch panel provided on the surface of the display unit 34.

The reading unit 32 is, for example, a bar code reader and a camera, and reads a bar code attached to a product purchased by the user or a payment code displayed by the user terminal 2. The reading unit 32 outputs the information indicated by the read barcode and the payment code to the control unit 36.

The communication unit 33 is, for example, a communication interface for transmitting and receiving data to and from the payment processing device 1. The communication unit 33 transmits the payment token, the payment information, the privilege target product information, and the store ID to the payment processing device 1 according to the control of the control unit 36.

The display unit 34 is a display that displays various types of information. The display unit 34 displays, for example, the settlement amount.

The storage unit 35 is a storage medium including a ROM, a RAM, and the like. The storage unit 35 stores a program executed by the control unit 36. The storage unit 35 stores a program that causes the control unit 36 to function as a payment information generation unit 361, a token acquisition unit 362, and a payment information transmission unit 363. Further, the storage unit 35 stores a product DB in which the product ID and the price of the product are associated with each other.

The control unit 36 is, for example, a CPU, and functions as a payment information generation unit 361, a token acquisition unit 362, and a payment information transmission unit 363 by executing a program stored in the storage unit 35.

The payment information generation unit 361 identifies one or more products to be settled and generates payment information. Specifically, the payment information generation unit 361 obtains the product ID input by the clerk in the operation unit 31 or the product ID read by the reading unit 32 from the barcode attached to the product, and thus obtains the product ID. Identify the product as the product to be settled. The payment information generation unit 361 refers to the product DB stored in the storage unit 35 and specifies the price of the product associated with the acquired product ID. The payment information generation unit 361 acquires one or more product IDs input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and obtains the price of the product specified from the product ID. Tally. When the settlement information generation unit 361 receives the settlement operation in the operation unit 31, the settlement information generation unit 361 determines the total price of the product as the settlement amount. The payment information generation unit 361 generates payment information including the determined payment amount and one or more acquired product IDs.

The token acquisition unit 362 acquires the information extracted from the payment code as a payment token by the reading unit 32 reading the payment code displayed on the user terminal 2.
In the payment information transmission unit 363, when the payment information generation unit 361 generates the payment information and the token acquisition unit 362 acquires the payment token, the payment token, the payment information, and the store ID are displayed via the communication unit 33. Is transmitted to the payment processing device 1.

[Operation of each part of control unit 13]
Subsequently, the operation of each unit of the control unit 13 will be described.
The issuance request acquisition unit 131 acquires the user ID of the user of the user terminal 2 and the issuance request of the payment code for the user of the user terminal 2 to make a payment at the store from the user terminal 2.

When the issuance request acquisition unit 131 acquires the payment code acquisition request, the token transmission unit 132 generates a payment token for generating the payment code. The token transmission unit 132 stores the user ID acquired by the issuance request acquisition unit 131 and the generated settlement token in the storage unit 12 in association with each other. Further, the token transmission unit 132 transmits the generated payment token to the user terminal 2 that has transmitted the payment code acquisition request.

The payment information receiving unit 133 reads the payment token, the store information, and the user's store from the store terminal 3 that reads the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmitting unit 132. Receive a payment request that includes payment information regarding the purchase of goods or services in.

When the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match, the payment processing unit 134 receives the user ID associated with the payment token. Settle the payment based on the store information and payment information included in the payment request.

Specifically, the payment processing unit 134 specifies the user ID stored in association with the payment token in the storage unit 12, and the payment amount indicated by the payment information from the account of the user specified by the user ID. Executes the process of withdrawing. The settlement processing unit 134 executes a process of depositing the settlement amount into the account of the store specified by the received store information. The settlement processing unit 134 may deposit an amount obtained by subtracting the settlement fee in the settlement processing device 1 from the settlement amount into the store account. When the payment of the payment amount is completed, the payment processing unit 134 notifies the store terminal 3 that the payment is completed. Further, the payment processing unit 134 stores the purchase history of the user in the store, including the store information and the user ID, in the storage unit 12 in response to the completion of the payment.

The advertisement information transmitting unit 135 stores the store information received by the payment information receiving unit 133 when the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match. Alternatively, the advertisement information presented to the user is acquired based on the payment information or the user ID associated with the payment token received by the payment information receiving unit 133. When the advertisement information transmitting unit 135 acquires the advertisement information based on the store information received by the payment information receiving unit 133, the advertisement information presented to the user includes information about a store different from the store in which the user makes a payment, and the user Acquires advertising information including information about a business operator different from the business operator that operates the store that makes the payment, or information about a predetermined product or service. When the advertisement information transmitting unit 135 acquires the advertising information based on the payment information received by the payment information receiving unit 133 or the user ID associated with the payment token received by the payment information receiving unit 133, the user As the advertising information to be presented to, the advertising information including the information about the predetermined store, the information about the predetermined business operator, or the information about the predetermined product or service is acquired.

Specifically, the advertisement information transmitting unit 135 refers to the advertisement DB 121 in which the store ID, the product ID included in the payment information, or the user ID is associated with each of the plurality of advertisement information, and receives the received store information or payment information. Or, the advertisement information associated with the user information specified based on the user ID related to the received payment token is acquired.

For example, when the advertisement information transmitting unit 135 acquires the advertisement information based on the store information, the advertisement information transmitting unit 135 refers to the advertisement DB 121 and acquires the advertisement information associated with the business code included in the received store information. By doing so, the advertisement information transmission unit 135 can acquire the advertisement information desired to be distributed by the business operator operating the store in which the store terminal 3 is installed.

Further, when the advertisement information transmitting unit 135 acquires the advertisement information based on the user ID associated with the payment token received by the payment information receiving unit 133, the advertisement information transmitting unit 135 refers to the advertisement DB 121 and the payment history DB 122 and refers to the user ID. Advertising information may be acquired based on the number of payments, total payment amount, and store information associated with. Specifically, the advertisement information transmitting unit 135 refers to the payment history DB 122, and the number of payments and the total payment amount associated with the user ID associated with the payment token received by the payment information receiving unit 133. Identify the store information of the average or settled store. Then, the advertisement information transmission unit 135 refers to the advertisement DB 121, and acquires the advertisement information corresponding to the specified number of payments, the average of the total payment amount, or the store information of the store that has settled. For example, the advertisement information transmission unit 135 acquires advertisement information corresponding to a specific store or business operator to a user who has a large number of payments and a user who has a large balance. By doing so, the advertisement information transmitting unit 135 can acquire effective advertisement information for the user based on the user's action history.

Further, the advertisement information transmitting unit 135 may acquire the advertising information based on the purchase price of the product or service indicated by the payment information included in the payment request received by the payment information receiving unit 133. For example, the advertisement information transmitting unit 135 may refer to the advertisement DB 121 and acquire the advertisement information including the purchase amount of the product or service indicated by the payment information in the range of the total payment amount of the code payment. Further, the advertisement information transmitting unit 135 may acquire different advertising information between a high-priced purchaser whose payment amount is higher than the first amount and a low-priced purchaser whose payment amount is lower than the second amount, or the high amount. Only the purchaser may acquire specific advertising information (for example, a store campaign advertisement). When a plurality of advertisement information can be acquired, the advertisement information transmission unit 135 may narrow down the advertisement information corresponding to the store information and the product ID included in the payment request. By doing so, the advertisement information transmission unit 135 can acquire effective advertisement information for the user based on the purchase amount of the user.

In addition, the advertisement information transmission unit 135 may acquire advertisement information based on the purchase status of the user and the product or service purchased by another user different from the user. For example, when the advertisement information transmitting unit 135 acquires the advertisement information based on the purchase status of the product or service purchased by the user, the advertisement information transmitting unit 135 refers to the advertisement DB 121 and the advertisement associated with the product ID included in the payment information. Get information. By doing so, the advertisement information transmission unit 135 can acquire the advertisement information corresponding to the product purchased by the user.

Further, when the advertisement information transmitting unit 135 acquires the advertisement information based on the purchase status of the product or service purchased by another user different from the user, the advertisement information transmitting unit 135 identifies another user whose attributes are similar to those of the user. You may. In this case, the storage unit 12 stores the user attribute information in which the user ID and the user's attribute are associated with each other. The advertisement information transmitting unit 135 refers to the user attribute information and identifies the user ID of another user whose attributes are similar to the user of the user ID associated with the payment token received by the payment information receiving unit 133. The advertisement information transmitting unit 135 refers to the advertisement DB 121 and acquires the advertisement information associated with the product ID of the product or service purchased by the user corresponding to the specified other user ID. By doing so, it is highly possible that the user is also interested in the products purchased by another user whose attributes are similar to those of the user. Therefore, the advertisement information transmission unit 135 can acquire the advertisement information that is effective for the user.

In addition, the advertisement information transmission unit 135 may acquire advertisement information about a store where code payment can be performed by the payment processing device 1. For example, the storage unit 12 stores the code payment correspondence information in which the store information is associated with the information indicating whether or not the code payment by the payment processing device 1 is possible at the store of the store information. The advertisement information transmission unit 135 refers to the code payment correspondence information and specifies the store information of the store where the code payment by the payment processing device 1 is possible. Then, the advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires the advertisement information associated with the specified store information. In this case, the advertisement information transmission unit 135 may narrow down the advertisement information to be acquired based on the business operator ID that constitutes the store information included in the payment request. By doing so, the advertisement information transmitting unit 135 can present the advertisement information about the store where the code payment by the payment processing device 1 is possible to the user, which contributes to the spread of the code payment by the payment processing device 1. be able to.

In addition, the advertisement information transmitting unit 135 may acquire advertisement information about another store different from the store based on the position of the store corresponding to the received store information. For example, the storage unit 12 stores the store information and the store location information indicating the location of the store information in association with each other. The advertisement information transmitting unit 135 identifies other store information existing near the position of the store information included in the payment request received by the payment information receiving unit 133. Here, the advertisement information transmitting unit 135 may specify other store information operated by the same business operator as the store information included in the payment request received by the payment information receiving unit 133. The store information included in the advertisement DB 121 includes store information including the same business ID as the business ID included in the store information included in the payment request received by the payment information receiving unit 133. The advertisement information transmission unit 135 refers to the advertisement DB 121, and has a business ID included in the store information included in the received payment request and a store ID different from the store ID included in the store information included in the received payment request. The store information composed of, is specified as other store information operated by the same business operator as the store information included in the received payment request.

Then, the advertisement information transmitting unit 135 refers to the advertisement DB 121 and specifies the advertisement information associated with the specified store information as the advertisement information corresponding to the nearby store at the position of the store corresponding to the received store information. .. By doing so, the advertisement information transmission unit 135 can be operated by the same business operator as the business operator of the store where the user made the code payment, and present the advertisement information of another store different from the store to the user. can.

In addition, the advertisement information transmission unit 135 may acquire advertisement information based on the position of the user corresponding to the user ID related to the payment token. For example, the storage unit 12 stores the store information in association with the store position information indicating the position of the store information, and also stores the user ID and the terminal position information indicating the position of the user terminal 2 corresponding to the user ID. And memorize it in association with. The advertisement information transmitting unit 135 refers to the storage unit 12 and acquires the terminal position information associated with the user ID corresponding to the payment token received by the payment information receiving unit 133. The advertisement information transmitting unit 135 identifies the store information associated with the store position information indicating the position relatively close to the position indicated by the acquired terminal position information. The advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires the advertisement information associated with the specified store information. By doing so, the advertisement information transmission unit 135 can present the advertisement information corresponding to the store close to the user's position to the user.

The advertisement information transmitting unit 135 associates the payment completion information indicating that the payment has been completed with the acquired advertisement information and transmits the acquired advertisement information to the user terminal 2, and sends the payment completion information and the advertisement information to the same user terminal 2. Display on the screen. By doing so, the advertisement information transmitting unit 135 can increase the possibility that the user visually recognizes the advertisement information.

The advertisement information transmission unit 135 stores the acquisition history of advertisement information to the user terminal 2 including the acquired advertisement information and the store information associated with the advertisement information in the advertisement DB 121 in the storage unit 12. You may do it. Then, the control unit 13 of the payment processing device 1 functions as an effect measuring unit, and the purchase history and advertisement information in the user's store, including the store information and the user ID, stored in the storage unit 12 by the payment processing unit 134. The effect of the advertisement information transmitted by the advertisement information transmission unit 135 may be measured based on the transmission history stored in the storage unit 12 by the transmission unit 135.

[Operation sequence]
FIG. 7 is an operation sequence diagram of the payment system S.
The sequence diagram shown in FIG. 7 starts from the point where the user operates the display of the payment code on the user terminal 2 (S1). The request transmission unit 252 transmits the user ID and the acquisition request of the payment code to the payment processing device 1 (S2).

The issuance request acquisition unit 131 of the payment processing device 1 acquires the user ID and the issuance request of the payment code from the user terminal 2. When the token transmission unit 132 of the payment processing device 1 acquires the user ID and the acquisition request for the payment code, the token transmission unit 132 generates a payment token for generating the payment code (S3). The token transmission unit 132 stores the generated payment token and the user ID in the storage unit 12 in association with each other (S4). The token transmission unit 132 transmits the generated payment token to the user terminal 2 that has transmitted the payment code acquisition request (S5).

The code generation unit 253 of the user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on the display unit 23 (S6). At the store, the user presents the payment code displayed on the user terminal 2, and the reading unit 32 of the store terminal 3 reads the payment code (S7).

Further, the payment information generation unit 361 of the store terminal 3 identifies the price of the product based on the product ID input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32. Generate payment information (S8). The payment information transmission unit 363 of the store terminal 3 transmits the payment information generated in S8, the payment token included in the payment code read in S7, and the store information to the payment processing device 1 (S9). ..

Subsequently, the payment information receiving unit 133 receives the payment request including the payment token, the store information, and the payment information from the store terminal 3. When the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 134 includes the user ID associated with the payment token and the store included in the received payment request. The payment process is performed based on the information and the payment information (S10).

When the payment token stored in the storage unit 12 and the received payment token match, the advertisement information transmission unit 135 receives the store information or payment information received by the payment information receiving unit 133, or for payment. Based on the user ID associated with the payment token received by the information receiving unit 133, the advertisement information presented to the user is acquired (S11). Then, the advertisement information transmission unit 135 transmits the payment completion information indicating that the payment has been completed and the acquired advertisement information to the user terminal 2 (S12).
The display control unit 254 of the user terminal 2 causes the display unit 23 to display the payment completion information and the advertisement information received from the payment processing device 1 (S13).

[Modification 1]
In the above description, the payment processing device 1 displays the payment completion information and the advertisement information on the same screen of the user terminal 2, but the present invention is not limited to this. The payment processing device 1 may display advertisement information when displaying the payment code on the user terminal 2. In this case, the advertisement information transmission unit 135 acquires the advertisement information based on the user information specified from the user ID acquired by the issuance request acquisition unit 131 together with the payment code acquisition request, and the advertisement information together with the payment token. May be transmitted to the user terminal 2 and displayed on the user terminal 2.

[Modification 2]
Further, the payment processing device 1 acquires the advertisement information at the timing when the payment request is received, but the present invention is not limited to this. The payment processing device 1 refers to the advertisement DB 121 at the timing when the issuance request acquisition unit 131 acquires the user ID together with the payment code acquisition request, and acquires one or more advertisement information based on the user information specified from the user ID. You may. Then, at the timing of receiving the payment request, the payment processing device 1 acquires the advertisement information to be transmitted to the user terminal 2 from the acquired advertisement information based on the store information or the payment information included in the payment request. May be good.

[Effect of payment system S]
As described above, when the payment processing device 1 acquires the user ID and the request for issuing the payment code for the user to make a payment at the store from the user terminal 2, the payment processing device 1 generates the user ID and the payment code. The payment token is stored in the storage unit 12 in association with the payment token, and the payment token is transmitted to the user terminal 2. The payment processing device 1 reads the payment code displayed by the user terminal 2 based on the transmitted payment token, the payment token, the store information for identifying the store, and the user's store. When the payment token for the purchase of goods or services is received and the payment token stored in the storage unit 12 matches the received payment token, the received store information or payment information, or the payment token Based on the user ID associated with, the advertisement information to be presented to the user is acquired and transmitted to the user terminal 2. By doing so, the payment processing device 1 can present information to the user according to the purchase status of the user.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist thereof. be. For example, the specific embodiment of the distribution / integration of the device is not limited to the above embodiment, and all or a part thereof may be functionally or physically distributed / integrated in any unit. Can be done. Also included in the embodiments of the present invention are new embodiments resulting from any combination of the plurality of embodiments. The effect of the new embodiment produced by the combination has the effect of the original embodiment together.

1 Payment processing device 2 User terminal 3 Store terminal 11 Communication unit 12 Storage unit 13 Control unit 21 Operation unit 22 Communication unit 23 Display unit 24 Storage unit 25 Control unit 31 Operation unit 32 Reading unit 33 Communication unit 34 Display unit 35 Storage unit 36 Control unit 121 Advertising DB
122 Payment history DB
131 Issuance request acquisition unit 132 Token transmission unit 133 Payment information acquisition unit 134 Payment processing unit 135 Advertising information transmission unit 251 Operation reception unit 252 Request transmission unit 253 Code generation unit 254 Display control unit 361 Payment information generation unit 362 Token generation unit 363 Payment Information transmitter

Claims (14)

Computer runs,
A step of acquiring a user identifier for identifying the user and a request for issuing a payment code for the user to make a payment at a store from the user's terminal.
A step of associating the acquired user identifier with the payment token for generating the payment code and storing it in the storage unit.
The step of transmitting the payment token to the terminal and
From the store terminal that reads the payment code displayed by the terminal based on the payment token, the payment token, the store information for identifying the store, and the product or service of the user at the store Steps to receive payment information about the purchase and
When the payment token stored in the storage unit and the received payment token match, the payment is made based on the user identifier associated with the payment token and the received payment information. Steps to take and
When the payment token stored in the storage unit and the received payment token match, information on a store different from the store and the business of operating the store are based on the received store information. Steps to obtain presentation information including information about a business operator different from the person concerned, or information about a predetermined product or service, and
A step of transmitting the acquired presentation information to the terminal, and
Information processing method having. The store information includes store identification information that identifies the store and business identification information that identifies the business operator that operates the store.
In the step of acquiring the presentation information, the computer acquires the presentation information associated with the business identification information included in the received store information.
The information processing method according to claim 1. Computer runs,
A step of acquiring a user identifier for identifying the user and a request for issuing a payment code for the user to make a payment at a store from the user's terminal.
A step of associating the acquired user identifier with the payment token for generating the payment code and storing it in the storage unit.
The step of transmitting the payment token to the terminal and
A step of receiving the payment token and payment information regarding the purchase of goods or services at the store by the user from the store terminal that has read the payment code displayed by the terminal based on the payment token.
When the payment token stored in the storage unit and the received payment token match, the payment is made based on the user identifier associated with the payment token and the received payment information. Steps to take and
When the payment token stored in the storage unit and the received payment token match, information on a predetermined store, information on a predetermined business operator, or information on a predetermined business operator based on the received payment information. Steps to obtain presentation information, including information about a given product or service,
A step of transmitting the acquired presentation information to the terminal, and
Information processing method having. In the step of acquiring the presented information, the computer acquires the presented information based on the purchase price of the goods or services indicated by the payment information.
The information processing method according to claim 3. Computer runs,
A step of acquiring a user identifier for identifying the user and a request for issuing a payment code for the user to make a payment at a store from the user's terminal.
A step of associating the acquired user identifier with the payment token for generating the payment code and storing it in the storage unit.
The step of transmitting the payment token to the terminal and
From the store terminal that reads the payment code displayed by the terminal based on the payment token, the payment token, the store information for identifying the store, and the product or service of the user at the store Steps to receive payment information about the purchase and
When the payment token stored in the storage unit and the received payment token match, the payment is made based on the user identifier associated with the payment token and the received payment information. Steps to take and
When the payment token stored in the storage unit and the received payment token match, information about a predetermined store, predetermined, based on the user identifier associated with the payment token. Steps to obtain information about the business operator, or presentation information including information about a given product or service,
A step of transmitting the acquired presentation information to the terminal, and
Information processing method having. The storage unit associates the user identifier with the number of payments made by the user corresponding to the user identifier based on the payment code, the total payment amount of the payment, or the store information of the store that made the payment. Remember
In the step of acquiring the presentation information, the computer refers to the storage unit and acquires the presentation information based on the number of payments, the total payment amount, and the store information associated with the user identifier.
The information processing method according to claim 5. In the step of acquiring the presentation information, the computer acquires the presentation information based on the purchase status of the goods or services purchased by the user and another user different from the user.
The information processing method according to claim 5 or 6. In the step of acquiring the presented information, the computer refers to the user information associated with the user identifier and the attribute information indicating the attribute of the user corresponding to the user identifier, and corresponds to the received user identifier. Identify other users whose attributes are similar to those of the user.
The information processing method according to claim 7. In the step of acquiring the presentation information, the computer relates to the store information for identifying the store, the product identification information for identifying the product included in the payment information, or the user in each of the plurality of presentation information. Referencing the database associated with the user information as information, the presented information associated with the user information specified based on the received store information or the payment information, or the user identifier associated with the payment token. To get,
The information processing method according to any one of claims 1 to 8. In the step of acquiring the presentation information, the computer acquires the advertisement information regarding the store where the code payment is possible as the presentation information.
The information processing method according to any one of claims 1 to 9. In the step of acquiring the presentation information, the computer acquires the coupon information as the presentation information.
The information processing method according to any one of claims 1 to 10. In the step of acquiring the presentation information, the computer acquires advertising information about another store different from the store as the presentation information based on the position of the store corresponding to the received store information.
The information processing method according to any one of claims 1 to 11. In the step of acquiring the presentation information, the computer acquires the advertisement information regarding the product specified in advance by the business operator who operates the store where the user purchases the product or service as the presentation information.
The information processing method according to any one of claims 1 to 12. In the transmission step, the computer transmits the payment completion notification information notifying the completion of the payment to the terminal in association with the presented information.
The information processing method according to any one of claims 1 to 13.

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