JP2022146218A - Payment system, payment method, and computer program - Google Patents

Abstract

To increase convenience for customers who purchase a product or a service in a physical shop using a deferred payment option.SOLUTION: A payment system includes: a customer detection unit (13a) which detects a customer (A) entering a physical shop (B); an information obtaining unit (13b) which obtains settlement information regarding a product (D) which is purchased by the customer, from a mobile terminal (20) carried by the customer; a deferred payment unit (13c) which allows a deferred payment for the product to be made by the customer, according to the settlement information; a checking unit (13d) which checks, regarding the customer, whether or not any of deferred payments which had been allowed prior to the entrance to the physical shop is/are outstanding; and a payment promotion unit (13e) which, when there is/are outstanding deferred payment/payments, performs a payment promotion process to prompt the customer to make a payment regarding the outstanding deferred payment/payments.SELECTED DRAWING: Figure 2

Description

The present invention relates to a self-service payment system, payment method, and computer program in a physical store.

As a system of this type, a payment system is known in which product information of a purchased product is read by a mobile terminal carried by a customer, and the information is transmitted to a payment machine in the store or another device on the network to complete the payment. (See Patent Document 1, for example). In addition to cash and electronic money, this settlement system also applies to deferred settlement such as credit cards.

Japanese Patent No. 4388082

However, for example, in the case of deferred payment by credit card, accounting processing takes time due to credit card authentication, etc., and there is a technical problem that it is difficult to make deferred payment by credit card without a credit card. There is Further, no process is provided to deter customers from forgetting to pay. As described above, existing settlement systems that allow deferred settlement lack convenience for customers.

An object of the present invention is to provide a payment system, a payment method, and a computer program that improve the convenience of customers who make deferred payments for products or services purchased at physical stores.

In one aspect of the payment system according to the present invention, a customer recognition unit that recognizes the entry of a customer into a physical store, and payment information related to purchase items to be purchased by the customer whose entry has been recognized are sent to the customer. a deferred payment settlement unit that enables deferred payment of the purchase target to the customer based on the settlement information; and the customer recognized as entering the store. , a confirmation unit for confirming whether or not there is an unfinished deferred payment among deferred payments made possible by the deferred payment settlement unit before entering the physical store; a payment promotion unit that performs payment promotion processing to prompt the customer to pay for the unfinished deferred payment.

In one aspect of the settlement method according to the present invention, a customer recognition unit that recognizes the entry of a customer into a physical store, and settlement information related to purchase items to be purchased by the customer recognized as entering the store are transmitted to the customer. At least one computer of a payment system having an information acquisition unit that acquires from a mobile terminal carried by a customer, and a deferred payment settlement unit that enables deferred payment for the purchase target for the customer based on the settlement information, For the customer whose entry into the store is recognized, before entering the physical store, the deferred payment settlement unit confirms whether or not there is an uncompleted deferred payment among the possible deferred payment settlements, and When there is a deferred payment settlement, a payment promotion process is performed to prompt the customer to pay for the unfinished deferred payment settlement.

One aspect of the computer program according to the present invention comprises at least one computer comprising: a customer recognition unit that recognizes entry of a customer into a physical store; An information acquisition unit that acquires information from a mobile terminal carried by the customer, a deferred payment settlement unit that enables the customer to make deferred payment for the purchase target based on the settlement information, and the entry into the store is recognized. a confirmation unit for confirming whether or not there is an unfinished deferred payment among the deferred payments made possible by the deferred payment settlement unit before the customer enters the physical store; and When there is, it is configured to function as a payment facilitating section that performs payment facilitating processing to urge the customer to pay for the incomplete deferred payment.

According to one aspect of each of the above-described payment system, payment method, and computer program, it is possible to improve the convenience of customers who make deferred payment for products or services purchased at physical stores.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure which shows an example of the outline of the whole structure for implement|achieving the payment system which concerns on this invention. It is a block diagram showing an example of hardware constitutions of a server which constitutes a settlement system concerning the present invention. 1 is a diagram showing an example of a processing procedure for deferred payment settlement by the settlement system according to the present invention, focusing on the relationship with the customer; FIG. 4 is a flow chart showing an example of processing executed by the control device of the server of the settlement system according to the present invention;

An example of an embodiment of a settlement system according to the present invention will be described in detail below with reference to the accompanying drawings. In this embodiment, as an example, a case where a customer purchases a product at an actual store (hereinafter referred to as "actual store") will be described.

First, an example of the overall configuration for realizing the payment system according to the present invention will be described with reference to FIG. A settlement system according to the present invention includes, for example, a server 10 and a mobile terminal 20 carried by a customer A inside a physical store B. FIG. The server 10 and the mobile terminal 20 may be connected via a network C such as the Internet or an intranet so that they can communicate with each other.

The portable terminal 20 may be, for example, a portable communication terminal having data input, data output, data control, data storage and data communication functions. The mobile terminal 20 may be, for example, a smartphone owned by the customer A, a tablet terminal, or the like. Alternatively, the mobile terminal 20 may be, for example, a communication terminal that the actual shop B rents to the customer A. Here, the data communication function is a function of connecting the portable terminal 20 to an external device (for example, the server 10 or the like) so as to be mutually communicable. The external data input function is a function of inputting data according to the input operation of the customer A. For example, the input mode can be touch input, code reading input, key input, voice input, or the like. The data output function is a function for outputting data in a form that can be recognized by the customer A, and for example, the output form such as screen output and voice output does not matter. The portable terminal 20 has, for example, a volatile recording medium and a nonvolatile recording medium as a data storage function, and is configured to be able to temporarily and/or long-term store various types of information (eg, customer identification information described later). you can The data control function is, for example, a function of controlling various operations of the mobile terminal 20 based on an input operation by the customer A and control information from the server 10 . The mobile terminal 20 has, for example, a CPU (Central Processing Unit), a computer unit having a recording medium such as a RAM (Random Access Memory) and a ROM (Read Only Memory) necessary for its operation, and various You can control the action. Alternatively, the mobile terminal 20 may have a hardware circuit that controls the various operations.

The server 10 may physically consist of one server. Alternatively, the server 10 may be one conceptual server (for example, a cloud server configured in a cloud environment) physically configured by multiple servers.

A hardware configuration of the server 10 will be described with reference to FIG. The server 10 has, for example, a storage device 11 , a communication interface 12 and a control device 13 . The storage device 11 , the communication interface 12 and the control device 13 may be connected by, for example, a data path 15 so that they can transmit and receive data to and from each other. The storage device 11 can store desired data. The storage device 11 may include, for example, at least one of a hard disk device, a magneto-optical disk device, an SSD (Solid State Drive), and a disk array device. The storage device 11 may include volatile recording media and non-volatile recording media. The storage device 11 may contain, for example, customer data. In the customer data, as information about each customer, for example, customer identification information, customer identification information, deferred payment information, etc. may be associated with each other. Customer identification information is information for identifying each customer, and may include, for example, name, age, address, identity verification information, and the like. The identity verification information is information for so-called identity authentication, and for example, information for biometric authentication (e.g., face information for face authentication, iris information for iris authentication, etc.) and/or a password, etc. may be included. The deferred payment information includes payment information related to deferred payment. For example, for each deferred payment, the corresponding store identification information, payment amount, purchase details, purchase date, billing date, and payment deadline may be included. Furthermore, the storage device 11 may have store data, for example. In the store data, as information about each actual store B, for example, the store identification information may be associated with the store name, address, bank account as a transfer destination, and the like.

The communication interface 12 is, for example, an interface that enables data communication between an external device arranged outside the server 10 and the server 10 . The external device includes, for example, the portable terminal 20 and a communication device provided in an external system (not shown). The external system includes, for example, a transfer system of a bank, a payment system of a payment acceptance facility (such as a convenience store), and the like. The communication interface 12 is configured, for example, to receive various types of information output from an external device of the server 10 and send the information to the control device 13 . Thus, the communication interface 12 functions as an input device for inputting information to the server 10 from an external device of the server 10 . Also, the communication interface 12 is configured, for example, to receive various kinds of control information regarding an external device of the server 10 from the control device 13 and output the information to the external device. Thus, the communication interface 12 functions as an output device that outputs information from the server 10 to an external device of the server 10 .

The control device 13 may be configured as, for example, a computer unit having a CPU and recording media such as RAM and ROM required for its operation. The ROM may temporarily or permanently store, for example, computer programs executed by the controller 13 . The RAM may, for example, temporarily store data temporarily used by the control device 13 while the control device 13 is executing a computer program. The control device 13 may acquire (that is, download or load) a computer program from a device external to the server 10 via the communication interface 12 . The control device 13 executes the loaded computer program. As a result, within the control device 13, logical functional blocks for executing the operations that should be performed by the server 10 are implemented. In other words, the control device 13 can function as a controller for realizing logical functional blocks for executing operations that should be performed by the server 10 .

FIG. 2 shows an example of logical functional blocks implemented within the control device 13 to implement the settlement system according to the present invention. As shown in FIG. 2, the control device 13 includes a customer recognition unit 13a, an information acquisition unit 13b, a deferred payment settlement unit 13c, a confirmation unit 13d, and a payment promotion unit 13e.

The customer recognition unit 13a recognizes that the customer A has entered the actual store B and that the customer A has left the actual store B, for example, based on the information from the portable terminal 20 as will be described later. The information acquisition unit 13b acquires, for example, the settlement information related to the product purchased by the customer A via the mobile terminal 20. FIG. The settlement information is information associated with each product and used for settlement of product purchases, and includes, for example, product information related to the product, such as product name and product price. The information acquisition unit 13b may acquire the settlement information read by the mobile terminal 20 from the mobile terminal 20, for example. The deferred payment settlement unit 13c, for example, performs processing for making the settlement of the purchased product deferred payment. The deferred payment settlement section 13c enables deferred payment settlement for the customer A registered in customer data in advance, even if the customer does not carry a card such as a credit card. The deferred payment settlement unit 13c, for example, sets the settlement based on the acquired settlement information as the deferred payment settlement for the customer A, and performs a process of issuing a bill regarding the deferred payment settlement to the customer A after the customer A leaves the physical store B. you can go The deferred payment settlement unit 13c may, for example, perform a payment proxy process to pay the actual store B, on behalf of the customer A, the settlement amount (amount to be paid to the actual store B) determined as the deferred settlement.

For example, the confirming unit 13d confirms whether or not there is an unfinished deferred payment for the customer A whose entry into the actual store B is confirmed by the customer recognizing unit 13a. "Unfinished deferred payment" refers to past deferred payment for customer A made possible by the deferred payment section 13c, for which payment has not been completed even though an invoice has been issued. The payment facilitating unit 13e performs payment facilitating processing for prompting payment for the uncompleted deferred payment of the customer A. The payment facilitating unit 13e may execute, for example, a process for notifying the customer A of a payment reminder for the unfinished deferred payment (that is, a notification process). The payment reminder may be displayed on the screen of the mobile terminal 20 carried by the customer A, for example. As a result, forgetting to pay for deferred payment can be prevented. Furthermore, the payment promotion unit 13e may, for example, disable the payment system for the customer A when there is an unfinished deferred payment whose payment deadline has passed.

An example of processing procedures for deferred payment settlement by the settlement system according to the present invention will be described with reference to FIGS. Here, the mobile terminal 20 will be described as a mobile terminal owned by the customer A (smartphone, tablet terminal, etc.). The mobile terminal 20 may be installed with application software (hereinafter referred to as “payment application”) for functioning as the mobile terminal 20 relating to the payment system of the present invention. Each operation in the mobile terminal 20 described below may be controlled by the data control function of the mobile terminal 20 . The payment application of the mobile terminal 20 may be appropriately activated by a predetermined trigger (for example, an operation by the customer A, etc.).

In the settlement system according to the present invention, registration of customer identification information regarding customer A may be required so that customer A is recognized as a "customer." The customer identification information may be input and registered by the customer A's input operation to the portable terminal 20, for example, as shown in FIG. 3(a). The customer identification information is, for example, name, age, address, personal identification information, etc., as described above. For example, the server 10 assigns the customer identification information of the customer A to the customer identification information acquired via the portable terminal 20, and stores the customer identification information associated with the customer identification information as customer data about the customer A in the storage device 11. may be registered with. The mobile terminal 20 may hold customer identification information given to the customer A. FIG. In the settlement system according to the present invention, by recognizing that the customer A has entered the physical store B in which the customer data is registered in advance, the customer A can carry cards such as a credit card. It is possible to provide an environment where products can be purchased by deferred payment even without it. The registration of the customer identification information may be performed before the customer A enters the actual store B, or after the customer A enters the store.

When the customer A enters the actual store B, the server 10 may acquire customer recognition information about the customer A via the mobile terminal 20, for example. The customer recognition information may include, for example, store information about the actual store B and customer identification information of the customer A. The store information about the actual store B may include, for example, the store identification information of the actual store B and the current time as the store entry time. As for the store information about the actual store B, for example, as shown in FIG. It may be acquired by being read by the terminal 20 . As described above, the store terminal 30 can display a code in which store information is recorded, and may be a terminal device within the store system of the actual store B, for example. The store terminal 30 may be installed near the entrance of the actual store B, for example. Store information may be read by the mobile terminal 20 when the customer A operates the mobile terminal 20 (eg, holds the mobile terminal 20 over a code displayed on the store terminal 30). The read store information may be transmitted from the portable terminal 20 to the server 10 as customer identification information together with the customer identification information of the customer A, for example. In the following description, the various information sent from the portable terminal 20 to the server 10 includes the customer identification information of the customer A and the store identification information of the actual store B in order to identify the customer A and the actual store B. can be

The server 10 (customer recognition unit 13a) that has acquired the customer recognition information may perform store entry processing. In the store entry process, the server 10 may authenticate the customer based on the identity verification information in the customer data registered for the customer A, for example. In the store entry process, the server 10 recognizes that the customer A has entered the actual store B when, for example, the customer data related to the customer A is not associated with the store entry information, and includes the store information in the customer data. Store entry information may be associated.

The server 10 (confirmation unit 13d) that recognizes that the customer A has entered the store may, for example, confirm whether or not the customer A has an unfinished deferred payment. When there is an unfinished deferred payment, that is, when there is an unfinished deferred payment in the deferred payment information of the customer data relating to customer A, the server 10 (payment promotion unit 13e) issues a payment reminder for the unfinished deferred payment. Notification processing for notification may be performed. For example, if there is deferred payment information for which the completion flag is not set among the deferred payment information related to customer A, the server 10 may determine that there is an incomplete deferred payment. The server 10 may display the payment reminder on the screen of the mobile terminal 20, for example. And/or, the server 10 may notify the payment reminder to the mobile terminal 20 or a predetermined destination of the customer A by e-mail, for example. Furthermore, the server 10 (payment facilitating unit 13e), for example, when there is an unfinished deferred payment whose payment deadline has passed, may perform disapproval processing for customer A so as to disable the payment system. . As the disapproval process, the server 10 may, for example, disable the information acquisition unit 13b for the customer A and terminate the payment system.

While customer A is shopping, the server 10 (information acquisition unit 13b) may acquire, from the portable terminal 20, the settlement information regarding the product to be purchased by the operation of customer A, for example. The settlement information may be acquired by a barcode E corresponding to the product to be purchased, for example, as shown in FIG. 3(c). Therefore, the mobile terminal 20 may read the settlement information of the product D from the barcode E related to the product D to be purchased, and transmit the information to the server 10 . For the settlement information, the barcode E may be read by the mobile terminal 20 through a reading operation by the customer A. As a result, even if the number of items purchased is large, it is possible to eliminate congestion at the cash register due to the reading of the payment information for each product. The settlement information, as described above, is information used for payment for purchasing the product D, and may include the product name, product price, and the like related to the product D. Note that when the information acquisition unit 13b is disabled, the server 10 (information acquisition unit 13b) does not function and does not acquire the settlement information sent from the portable terminal 20. FIG. As a result, the payment system is locked for customer A.

The server 10 may perform payment processing for the product D to be purchased at a predetermined timing. For example, the server 10 may perform payment processing when the customer A performs a predetermined payment start operation on the portable terminal 20 . The server 10 may perform personal authentication based on personal identification information registered for customer A, for example, when performing payment processing for customer A. FIG. On the screen of the mobile terminal 20, for example, a screen related to payment processing may be appropriately displayed as shown in FIG. 3(d). In the settlement process, the server 10 (deferred payment settlement unit 13c) generates, for example, settlement information related to the settlement of the product purchased by the customer A at the physical store B based on the acquired settlement information, and the generated settlement information Based on this, processing may be performed to enable postpaid settlement. For example, the server 10 (the deferred payment settlement unit 13c) may include the generated settlement information in the deferred payment settlement information regarding the customer A. Thus, the deferred payment settlement information about the customer A may include the settlement information for which the deferred payment settlement is enabled by the server 10 (the deferred payment settlement unit 13c). The payment information may include, for example, the shop identification information of the actual shop B, the payment amount, the purchase details, the purchase date, and the like. The server 10 (deferred payment settlement unit 13c) performs, for example, payment agency processing for paying the settlement amount corresponding to the deferred payment to the actual store B (for example, transferring the amount to the bank account of the actual store B via the transfer system). good. Further, the server 10 (postpaid settlement unit 13c) may generate, for example, a bill to customer A regarding the deferred payment settlement. Note that the server 10 presents, for example, a plurality of payment methods including deferred payment (e.g., cash payment, electronic money, credit card, etc.) to the customer A, and the deferred payment is selected from the plurality of payment methods for the customer A. let me

For example, the server 10 (customer recognition unit 13a) recognizes that the customer A has left the actual store B when the customer recognition information is acquired again within a predetermined time with respect to the customer A who entered the actual store B. You can exit the store. The customer recognition information may include, for example, the store information about the actual store B and the customer identification information of the customer A, as described above. The store information about the actual store B may include, for example, the store identification information of the actual store B, the current time as the time of leaving the store, and the like. Store information about the actual store B is, for example, a code displayed on the screen of the store terminal 30 (two-dimensional code in FIG. 3E) as shown in FIG. code) is read by the mobile terminal 20 . The read store information may be transmitted from the portable terminal 20 to the server 10 as customer identification information together with the customer identification information of the customer A, for example.

In the process of leaving the store, the server 10 may authenticate the customer based on the personal identification information registered for the customer A, for example. In the store exit process, the server 10 may delete, for example, the store entry information related to the actual store B associated with the customer data related to the customer A. The server 10 (the deferred payment settlement unit 13c) that recognizes that the customer A has left the store may perform billing processing, for example. In the billing process, the server 10, for example, as shown in FIG. You can send it to A. Further, in the billing process, the server 10 sets, for example, the date when the bill F was issued to the customer A as the billing date, and the date when a predetermined period has passed from the billing date as the payment due date. can be set. For example, after issuing a bill F, the server 10 (deferred payment settlement unit 13c) may execute payment proxy processing to the physical store B regarding the corresponding deferred payment settlement.

After receiving the invoice F, the customer A can make a payment based on the invoice F at a predetermined payment acceptance facility such as a convenience store G, as shown in FIG. 3(g). As a result, the payment to the payment system of the customer A for the deferred payment settlement based on the invoice F (that is, the incomplete deferred payment settlement) is completed. The payment method at this time may be any payment method such as a credit card, electronic money, or cash. Upon completion of payment based on invoice F, for example, a payment notification may be sent to server 10 by convenience store G's payment system indicating that the payment has been completed. The server 10 that has received the payment notification may, for example, set a completion flag in the corresponding deferred payment settlement information. When a payment notice is received for an unfinished deferred payment whose payment deadline has passed, the server 10 sets a completion flag to the corresponding deferred payment settlement information, and invalidates the payment for customer A by restart processing. The information acquisition unit 13b may be enabled.

On the other hand, the server 10 (deferred payment settlement unit 13c), for example, when the exit of the customer A who entered the physical store B is not recognized, the next time the customer A cannot use the settlement system when shopping next time. may be processed. The server 10 may, for example, disable the information acquisition unit 13b for the customer A as the next non-permission processing. For example, the server 10 (customer recognition unit 13a) may determine that "exit is not recognized" when there is customer data whose entry information is not deleted even after a predetermined time has passed since the entry time. The server 10 may enable the disabled information acquisition unit 13b for the customer A by, for example, restart processing.

An example of the processing executed by the control device 13 of the server 10 from when the customer A enters the actual store B until the invoice for the deferred payment is issued to the customer A will be described with reference to the flowchart of FIG. . The processing routine shown in FIG. 4 is started when the server 10 acquires the customer recognition information from the mobile terminal 20 .

First, the server 10 (customer recognition unit 13a) may execute the above-described entry processing, for example, based on the customer recognition information acquired from the mobile terminal 20 (step S101). If the personal authentication performed based on the personal identification information of the customer data is unsuccessful, the server 10 may terminate the current processing routine, for example. Further, when the next disapproval processing for customer A is performed, that is, when the information acquisition unit 13b for customer A is disabled, the server 10 displays an unauthorized use message on the screen of the mobile terminal 20 in the store entry processing. You may display it and end the current processing routine. The unauthorized use message may indicate, for example, that the use of the payment system is permitted because the exit from the physical store B is not recognized.

In the store entry process, if the person is authenticated successfully and the customer A is not subsequently disallowed, the server 10 may associate the store entry information with the customer data on the customer A. FIG. Subsequently, the server 10 (confirmation unit 13d) may confirm, for example, whether or not there is an unfinished deferred payment settlement for the customer A (step S102). If there is no unfinished deferred payment settlement for customer A (step S102: No), the server 10 may proceed to step S103. If there is an unfinished deferred payment in the customer data of customer A (step S102: Yes), for example, the server 10 (payment facilitating unit 13e) may determine whether the current processing routine can be continued ( step S104). The server 10 may determine that the current processing routine can be continued if there is no unfinished deferred payment settlement whose payment deadline has passed. If there is no unfinished deferred payment that has passed the payment deadline (step S104: Yes), the server 10 (payment promotion unit 13e) executes, for example, the above-described notification process, that is, notifies the portable terminal 20 of a payment demand. Then, the process may proceed to step S103 (step S105). On the other hand, if there is an unfinished deferred payment settlement whose payment deadline has passed (step S104: No), the server 10 (payment facilitating unit 13e) executes, for example, the above-described disapproval processing, and ends the current processing routine. You may end (step S106). As the disapproval process, the server 10 may display a disapproval message on the screen of the mobile terminal 20, for example. The disapproval message may indicate, for example, that the customer A is not permitted to use the payment system until the payment for the deferred payment payment for which the payment deadline has passed is completed.

While the customer A is shopping, the server 10 (information acquisition unit 13b) may acquire the settlement information of the product D to be purchased via the portable terminal 20 (step S103). The settlement information may be presented as a bar code and read by the mobile terminal 20, as described above. Subsequently, the server 10 may perform payment processing when, for example, the customer A performs a payment start operation on the portable terminal 20 (step S107). In the payment process, for example, the server 10 may generate payment information based on the acquired payment information, and perform processing related to payment corresponding to the generated payment information. Here, as described above, the server 10 (postpaid settlement unit 13c) may perform processing for making the settlement a deferred settlement according to the selection of the customer A, and processing for enabling the deferred settlement.

Subsequently, the server 10 (customer recognition unit 13a) determines whether or not the customer A has left the physical store B. For example, the above-described exit processing is performed within a predetermined time after the customer A enters the store. It may be determined whether or not it has been performed (step S108). If the store exit process is executed within the predetermined time (step S108: Yes), the server 10 (the deferred payment settlement unit 13c) may perform, for example, the above-described billing process, and then terminate the current process routine ( step S109). In the billing process, the server 10 issues a bill F to the customer A regarding the payment for the current shopping. The server 10 may, for example, send an email with the bill F attached to the mobile terminal 20 of the customer A. On the other hand, if the exit processing is not performed within the predetermined time (step S108: No), the server 10 (deferred payment settlement unit 13c) performs the above-described next-time disapproval processing so that the settlement system cannot be used for the next shopping for customer A. , that is, disable the information acquisition unit 13b for the customer A, and terminate the current processing routine (step S110).

Steps S104 to S106 correspond to payment promotion processing performed by the payment promotion section 13e. It should be noted that it is not necessary to confirm whether or not there is an unfinished deferred payment before the settlement information acquisition process. For example, the server 10 (confirmation unit 13d) checks whether or not there is an unfinished deferred payment for the customer A during the settlement information acquisition process, that is, when the settlement information regarding the customer A is acquired from the portable terminal 20. After confirmation, steps S104 to S106 may be performed as payment promotion processing.

The mobile terminal 20 may be prepared by the actual store B and lent to the customer A. In this case, the customer data may be registered using, for example, a portable terminal owned by the customer A, or the like. Further, for example, store information may be stored in the mobile terminal 20 in advance, and the customer identification information may be acquired by the customer A's input operation to the mobile terminal 20 . The mobile terminal 20 lent to the customer A may be returned to the actual store B when the customer A leaves the store, for example. In addition, regarding the notification destination of payment demand, disapproval message, invoice, etc., for example, a portable terminal or the like owned by customer A may be registered in the customer data in advance as the notification destination.

The store terminal 30 may be connected to the server 10 so as to be able to communicate with each other. In this case, for example, the store terminal 30 may acquire the customer identification information from the portable terminal 20 and transmit the customer identification information regarding the customer A from the store terminal 30 to the server 10 . A payment reminder for the unfinished deferred payment may be displayed on the screen of the store terminal 30 . For example, a predetermined detected device (including a mobile terminal) holding customer identification information of customer A is detected by a sensor installed in actual store B, and the customer recognition unit 13a detects customer A's actual store based on the detection signal. Entering and exiting the store may be recognized.

The purchase target purchased by the customer is not limited to a product, and may be a service for which a consideration to be paid by the customer is generated. For example, a label or wrapping paper associated with a service may be provided with a barcode on which payment information including a service name, service fee, etc. is recorded, and the barcode may be read by the mobile terminal 20 .

Furthermore, the payment system provides, for example, customer behavior information in the actual store B obtained via the payment application of the mobile terminal 20 (for example, stay time, in-store behavior, grasp of flow line, products not purchased, etc.). may be analyzed and provided to physical stores.

<Appendix>
The following additional remarks are further disclosed with respect to the embodiments described above.

(Appendix 1)
In the payment system described in appendix 1, the customer carries a customer recognition unit that recognizes the customer's entry into the physical store, and the settlement information regarding the purchase item to be purchased by the customer who has been recognized as entering the store. an information acquisition unit that acquires from a mobile terminal; a deferred payment settlement unit that enables deferred payment for the purchase target based on the settlement information; a confirmation unit for confirming whether or not there is an uncompleted deferred payment among the deferred payments made possible by the deferred payment settlement unit before entering the store; and a payment promotion unit that performs payment promotion processing for prompting the customer to pay for deferred payment.

According to the payment system described in appendix 1, it is possible to provide a customer who is recognized as entering the actual shop with a post-payment payment that does not require the carrying of a card such as a credit card. In addition, since the settlement information regarding the purchase object is acquired from the portable terminal carried by the customer, it is possible to eliminate the need for accounting processing at the cash register. This makes it possible to reduce or eliminate congestion at the cash register, which tends to occur due to credit card processing and/or an increase in the number of items purchased by each customer. In addition, if a smartphone or tablet terminal that the customer usually carries or a mobile terminal provided by the physical store is adopted as the mobile terminal of the payment system described in Supplementary Note 1, the identification of the card, etc. for using the payment system of personal belongings is not required. Furthermore, the payment promotion process can prevent customers from forgetting to pay using deferred payment. Thus, according to the settlement system described in Supplementary Note 1, it is possible to provide a settlement system that enhances the convenience of customers who shop at physical stores. A “customer” in the payment system may be registered in customer data in the payment system, for example.

(Appendix 2)
In the settlement system according to supplementary note 2, the customer recognition unit recognizes the customer's entry into the store based on an operation performed by the customer on the mobile terminal at the physical store, The settlement system according to appendix 1, wherein whether or not there is an unfinished deferred payment settlement is confirmed according to an operation related to the terminal.

According to the settlement system described in appendix 2, presence or absence of unfinished deferred payment settlement is confirmed according to the customer's operation of the portable terminal for recognizing the customer's entry into the store by the customer recognition unit. Therefore, the confirmation unit can confirm whether or not there is an unfinished deferred payment when the customer enters the store.

(Appendix 3)
The payment system according to Supplementary Note 3, wherein the payment facilitating unit, as the payment facilitating process, performs a notification process regarding a notification prompting the customer to pay for the uncompleted deferred payment settlement. is.

According to the payment system described in appendix 3, as payment promotion processing, it is possible to notify a customer who has an uncompleted deferred payment to prompt payment. For example, a payment reminder as the notification may be sent by e-mail to a predetermined notification destination. Payment reminders sent by push notifications can automatically prompt customers with pending deferred payments to pay.

(Appendix 4)
The payment system according to appendix 4 is the payment system according to appendix 3, wherein the payment facilitating unit sends the notification to the mobile terminal.

According to the payment system described in appendix 4, a notification prompting payment is sent to the portable terminal carried by the customer. In particular, when the mobile terminal is owned by a customer, the notification can be given to the customer at a predetermined timing other than when the customer enters the store. The notification may be displayed on the screen and/or output by voice on the mobile terminal, for example.

(Appendix 5)
In the settlement system according to Supplementary note 5, the payment promotion unit disables the information acquisition unit for the customer as the payment promotion processing when there is an unfinished deferred payment settlement that satisfies a predetermined condition. 5. The payment system according to any one of 4.

According to the payment system described in Supplementary Note 5, the information acquisition unit is disabled with respect to a customer who has an unfinished deferred payment that satisfies a predetermined condition. For example, if the predetermined condition is that the payment deadline has passed, the information acquisition unit can be invalidated with respect to a customer who has an unfinished deferred payment whose payment deadline has passed. When the information acquisition unit is disabled, even if the settlement information is sent from the portable terminal, the information acquisition unit does not function, and the payment system is locked for the customer. This makes it possible to strongly urge the customer to pay within the payment deadline.

(Appendix 6)
In the settlement system according to appendix 6, the customer recognition unit further recognizes that the customer has left the actual store, and the deferred payment settlement unit recognizes that the customer has entered the store, and then recognizes that the customer has left the store. 6. The payment system according to any one of appendices 1 to 5, wherein the information acquisition unit is disabled with respect to the customer if the store is not recognized for a predetermined period of time.

According to the payment system described in appendix 6, the information acquisition unit is disabled for customers whose exit is not recognized. By disabling the information acquisition unit, the information acquisition unit does not function even if the settlement information is sent from the mobile terminal at the time of the customer's next shopping, for example, and the settlement system is locked for the customer. become. For example, when the customer's exit from the store is recognized by an operation on the portable terminal, the customer can be strongly urged to perform the operation, and the payment system can reliably grasp the customer's exit from the store. As a result, the customer's exit from the store can be used as a trigger for issuing an invoice. In addition, effective information can be obtained for analysis of the customer's stay time at the actual store.

(Appendix 7)
In the payment method described in Supplementary Note 7, the customer carries a customer recognition unit that recognizes the customer's entry into the physical store, and settlement information related to the purchase item to be purchased by the customer who has been recognized as entering the store. Entering the store into at least one computer of a payment system having an information acquisition unit that acquires from a mobile terminal and a deferred payment settlement unit that enables deferred payment of the purchase target to the customer based on the settlement information. before entering the physical store, the deferred payment settlement unit confirms whether or not there is an uncompleted deferred payment settlement among the possible deferred payment settlements, and the uncompleted deferred payment settlement. In this settlement method, a payment promotion process is performed to prompt the customer to pay for the uncompleted deferred payment settlement when there is a demand.

According to the settlement method described in Supplementary Note 7, the settlement system described in Supplementary Note 1 can be realized. The operation and effects of this payment method are the same as those of the payment system described in Supplementary Note 1.

(Appendix 8)
The computer program according to Supplementary Note 8 comprises at least one computer, a customer recognition unit that recognizes the entry of a customer into a physical store, settlement information related to purchase items to be purchased by the customer whose entry has been recognized, an information acquisition unit that acquires information from a mobile terminal carried by the customer; a deferred payment settlement unit that enables the customer to make deferred payment for the purchase target based on the settlement information; , a confirmation unit for confirming whether or not there is an uncompleted deferred payment among the deferred payments made possible by the deferred payment settlement unit before entering the physical store; and a computer program configured to function as a payment promotion unit that performs payment promotion processing for prompting the customer to pay for the incomplete deferred payment.

According to the computer program described in Supplementary Note 8, the settlement system described in Supplementary Note 1 can be realized.

(Appendix 9)
A recording medium according to appendix 9 is a recording medium on which the computer program according to appendix 8 is recorded.

The present invention can be modified as appropriate within the scope not contrary to the gist or idea of the invention that can be read from the claims and the entire specification, and the payment system, payment method, and computer program associated with such modifications are also the present invention. included in the technical concept of

10 Server 13a Customer Recognition Unit 13b Information Acquisition Unit 13c Deferred Payment Settlement Unit 13d Confirmation Unit 13e Payment Promotion Unit 20 Mobile Terminal A Customer B Real Store

Claims (8)

a customer recognition unit that recognizes the entry of a customer into the physical store;
an information acquisition unit that acquires, from a portable terminal carried by the customer, settlement information regarding an object to be purchased by the customer whose entry has been recognized;
a deferred payment settlement unit that enables deferred payment for the purchase target for the customer based on the settlement information;
a confirmation unit for confirming whether or not there is an unfinished deferred payment among the deferred payments made possible by the deferred payment settlement unit before entering the physical store for the customer whose entry has been recognized;
a payment promotion unit that performs payment promotion processing to prompt the customer to pay for the unfinished deferred payment when there is the unfinished deferred payment. The customer recognition unit recognizes the customer's entry into the store based on an operation regarding the mobile terminal performed by the customer at the actual store,
2. The payment system according to claim 1, wherein said confirmation unit confirms whether or not there is said unfinished deferred payment according to an operation relating to said portable terminal. 3. The settlement system according to claim 1, wherein said payment facilitating unit performs, as said payment facilitating processing, notification processing relating to notification prompting said customer to pay for said uncompleted deferred payment settlement. 4. The settlement system according to claim 3, wherein said payment facilitating unit sends said notification to said portable terminal. The payment promotion unit disables the information acquisition unit with respect to the customer as the payment promotion processing when there is an unfinished deferred payment settlement that satisfies a predetermined condition.
The payment system according to any one of claims 1-4. The customer recognition unit further recognizes that the customer has left the physical store,
6. The deferred payment settlement unit disables the information acquisition unit for the customer if the customer's entry into the store is not recognized for a predetermined period of time and the customer's exit is not recognized for a predetermined period of time. payment system described in . a customer recognition unit that recognizes the entry of a customer into a physical store; and an information acquisition unit that acquires, from a mobile terminal carried by the customer, payment information related to an object to be purchased by the customer whose entry has been recognized. , at least one computer of a payment system having a deferred payment settlement unit that enables deferred payment of the purchase object to the customer based on the settlement information;
For the customer recognized as having entered the store, having the postpaid settlement unit confirm whether or not there is an unfinished deferred payment among the possible deferred payment settlements before entering the actual store;
A settlement method comprising, when there is an unfinished deferred payment settlement, performing a payment promotion process for prompting the customer to pay for the unfinished deferred payment settlement. at least one computer
a customer recognition unit that recognizes the entry of a customer into a physical store;
an information acquisition unit that acquires, from a portable terminal carried by the customer, settlement information regarding an object to be purchased by the customer whose entry has been recognized;
a deferred payment settlement unit that enables deferred payment for the purchase target for the customer based on the settlement information;
a confirmation unit for confirming whether or not there is an unfinished deferred payment among deferred payments made possible by the deferred payment settlement unit before entering the physical store for the customer whose entry has been recognized; A computer program configured to function as a payment promotion unit that, when there is an unfinished deferred payment settlement, performs payment promotion processing for urging the customer to pay for the unfinished deferred payment settlement.

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