JP2023093219A - Information processing method and information processing system - Google Patents

Abstract

To provide an information processing method for improving convenience of a user while preventing increase in cost, and an information processing system.SOLUTION: An information processing system 1 transmits, to a server 10, first store information indicating a registration terminal 40 and card information of a credit card of which credit for transaction of a user has been approved. The server 10 stores settlement information based on the card information in association with a settlement member ID identifying the user. The registration terminal 40 transmits, to the server 10, second store information indicating an application member ID of the user and the registration terminal 40. The server 10 stores, when the first store information and the second store information are identical with each other, the settlement member ID and the application member ID in association with each other. The store terminal 50 acquires, from the user terminal 30, the application member ID when providing an oil supply service. The server 10 extracts settlement information on the basis of, the settlement member ID associated with the application member ID. The store terminal 50 executes settlement processing using the settlement information extracted by the server 10.SELECTED DRAWING: Figure 2

Description

TECHNICAL FIELD The present invention relates to a technology for improving convenience for users (customers) while preventing cost increases at service stations (gasoline stations) that provide refueling services.

At service stations (gasoline stations) that provide refueling services for automobiles, etc., systems have been disclosed to register and manage information necessary for transactions in advance in order to provide smooth refueling services to users who visit the store. (Patent Document 1).

JP 2013-77255 A

Some applications installed in high-performance mobile phones such as smartphones have payment functions. Therefore, the number of users who wish to make payments using applications having such payment functions is increasing.
On the other hand, at service stations that provide refueling services, in order to be able to make payments using these new payment methods, not only system upgrade costs but also personnel costs for handling new operations are required. end up

SUMMARY OF THE INVENTION The present invention has been proposed to solve the problems described above, and an object of the present invention is to provide a technology that improves user convenience while preventing an increase in cost.

In order to achieve the above object, in one aspect of the present disclosure, a store device that registers information for settling a consideration for a fuel service provided to a user who uses a service station that provides the fuel service provides a credit card transaction. A credit inquiry request for a transaction by the user's credit card is made to an external device that gives credit approval, and the judgment result of whether or not the transaction by the credit card received as a response is approved for the transaction by the credit card. In the case of indicating that the credit card has been received, the card information of the credit card is transmitted to the information processing device together with the first store information indicating the store device, and the information processing device transmits the settlement information based on the card information to the Stored in association with first identification information for identifying a user who makes a payment using a credit card, and the store device stores second identification information for identifying the user who owns the user terminal from the user terminal owned by the user. and transmits the second identification information to the information processing device together with second shop information indicating the shop device, and the information processing device determines that the first shop information and the second shop information match. in a case where the first identification information and the second identification information are associated and stored, and in the case where the store device provides the user with a fuel service, the second identification information is acquired from the user terminal; The information processing device extracts the payment information based on the first identification information associated with the second identification information, and the store device performs payment processing using the payment information extracted by the information processing device. To provide an information processing method characterized by:

Further, in one aspect of the present disclosure, a store device that registers information for settling a consideration for a refueling service provided to a user using a service station that provides the refueling service gives credit approval for credit card transactions. A request is made to an external device to inquire about a transaction by the user's credit card, and the judgment result of whether or not the transaction by the credit card is accepted as a response indicates that the credit for the transaction by the credit card is approved. In the case, generating output information based on the card information, outputting the generated output information in a predetermined manner, transmitting the card information of the credit card and the output information to an information processing device, An information processing device stores payment information based on the card information in association with first identification information for identifying a user who makes payment using the credit card, and a user terminal owned by the user stores the payment information based on the credit card acquires the output information output from the store device, transmits the acquired output information and the second identification information identifying the user who owns the user terminal to the information processing device, and the information processing device receives from the store device When the transmitted output information and the output information transmitted from the user terminal match, the first identification information and the second identification information are associated and stored, and the store device performs the refueling service. When providing to the user, the second identification information is obtained from the user terminal, the information processing device extracts the payment information based on the first identification information associated with the second identification information, An information processing method is provided in which the store device performs payment processing using the payment information extracted by the information processing device.

Further, one aspect of the present disclosure constitutes an information processing system that executes the information processing method as described above.

ADVANTAGE OF THE INVENTION According to this invention, a user's convenience can be improved, preventing the increase in cost.

1 is an explanatory diagram schematically showing the overall configuration of an information processing system according to one embodiment; FIG. 3 is a functional block diagram showing the configuration of each part in the information processing system; FIG. FIG. 3 is an explanatory diagram showing an example of data stored in a database (storage unit) in the information processing system; 4 is a sequence diagram showing an example of the flow of processing in the information processing system; FIG. 4 is a sequence diagram showing an example of the flow of processing in the information processing system; FIG. 4 is a sequence diagram showing an example of the flow of processing in the information processing system; FIG. It is a figure which shows an example of the display screen displayed on the user terminal in an information processing system. 4 is a sequence diagram showing an example of the flow of processing in the information processing system; FIG. It is a figure which shows an example of the display screen displayed on the store terminal in an information processing system. It is a figure which shows an example of the display screen displayed on the user terminal in an information processing system. 4 is a sequence diagram showing an example of the flow of processing in the information processing system; FIG. It is a figure which shows an example of the display screen displayed on the user terminal in an information processing system. 3 is a functional block diagram showing the configuration of each part in the information processing system; FIG. 4 is a sequence diagram showing an example of the flow of processing in the information processing system; FIG. 4 is a sequence diagram showing an example of the flow of processing in the information processing system; FIG. It is a block diagram which shows the hardware constitutions of the server in an information processing system, a user terminal, a registration terminal, and a store terminal.

Hereinafter, embodiments of an information processing system according to the present disclosure will be described with reference to the drawings.
Here, each device in the information processing system of the present disclosure described below is realized by processes, means, and functions executed by a computer according to instructions of a program (software).
The program can send instructions to each component of the computer to cause it to perform processes, functions, etc. according to the present disclosure described below. That is, each process, means, and function in the present disclosure are realized by concrete means in which a program and a computer cooperate.

All or part of the program may be provided by, for example, a magnetic disk, an optical disk, a semiconductor memory, or any other computer-readable recording medium, and the program read from the recording medium may be installed in a computer and executed. be. Also, the program can be directly loaded into a computer and executed through a communication line without using a recording medium.
In addition, the system is composed of a group of devices consisting of a plurality of information processing devices, and in the system, smartphones serving as "user terminals", POS terminals and PCs serving as "store terminals" and "registration terminals", etc., which will be described later. and a "server". However, any information processing device in the group of devices that make up the "system" may be together (single or common device).

16, each information processing device included in the device group constituting the information processing system is configured by hardware including a CPU 91, a RAM 92, a ROM 93, an HDD 94, an input device 95, an output device 96, a communication IF 97, and the like. Configured. These components are connected by a system bus, and data is exchanged via the system bus. A CPU (Central Processing Unit) 91, also called a central processing unit, is a part that performs central processing of a computer, and performs control of each device and calculation and processing of data. A RAM (Random Access Memory) 92 is a kind of memory device, in which data can be erased and rewritten. A ROM (Read Only Memory) 93 is a type of memory device using a semiconductor or the like. Data can be written only once during manufacture, and recorded data can only be read during use. A HDD (Hard Disk Drive) 94 is an auxiliary storage device that uses the properties of a magnetic material to record and read information. The input device 95 is used by the user to give operation instructions to the computer or to input characters, and is specifically composed of a keyboard, a mouse, and the like. The output device 96 is composed of, for example, a printer, a display, or the like. For example, a device such as a mobile terminal may have a touch panel function in which the input device 95 and the output device 96 are integrated. Also, a communication function (communication IF 97) that enables communication with other terminals, information processing devices, and the like can be provided. A communication IF (Interface) is a device for communicating with another device according to a predetermined communication standard, and includes, for example, a NIC (Network Interface Card).

[System configuration]
As shown in FIG. 1, an information processing system 1 according to an embodiment of the present disclosure includes a server (information processing device) 10, a user terminal 30, a registration terminal 40, and a store terminal 50. Moreover, the information processing system 1 may further include an external device 60 . In FIG. 1, each of the user terminal 30, the registration terminal 40, and the shop terminal 50 is shown as one terminal, but there may be a plurality of these terminals.
The server 10, the user terminal 30, the registration terminal 40, and the store terminal 50 are connected to each other via the Internet 100 including networks such as LAN (Local Area Network) and WAN (Wide Area Network), and perform data communication with each other. It is possible.
The external device 60 is a terminal installed in a credit card company or the like, and is a terminal that processes information regarding whether or not to give credit approval for transactions based on a credit card. The external device 60 is communicably connected to the server 10, the registration terminal 40, and the shop terminal 50 via a network. The external device 60 is an information processing device that gives credit approval for credit card transactions, and is an information processing device that manages information on transactions based on general credit cards, so a detailed description thereof will be omitted.

The information processing system 1 according to the present embodiment can register services for easily and quickly performing payment processing for refueling services provided to users who use service stations (SS) that provide refueling services. technology related to registration at a store, and technology for enabling the user to use the above services at a service station.
The information processing system 1 according to the present embodiment is particularly utilized in a self-service SS where a user himself/herself performs refueling and payment processing. Here, the self-service station (SS) means a self-service service station (SS) in which a user who visits the service station refuels or makes a payment by himself/herself without the intervention of an employee.

In the information processing system 1, the server 10, the registration terminal 40, and the store terminal 50 may be implemented by information processing devices installed and operated by different organizations or companies, or may be implemented by the same organization or company. It may be implemented by an information processing device installed and operated in a company or the like. For example, the server 10 is an information processing device operated by a company that provides customers with the information processing system 1 as a service, and the registration terminal 40 and the store terminal 50 are each company or company that provides customers with services in the SS by the information processing system 1. It may be configured by an information processing device provided in an organization, association, or the like.

[Server 10]
Although the server 10 is described as one information processing device in the present embodiment, it may be configured by two or more information processing devices. For example, the server 10 may be realized by a server computer, a personal computer, a server system including one or two or more virtual servers constructed on a cloud computing service, or the like.

Predetermined programs (referred to as server programs) such as an OS (Operating System), a DBMS (DataBase Management System), and application programs are installed in the server 10 .
The server 10 publishes and provides usable applications to the user terminal 30, the registration terminal 40, and the store terminal 50 via a network such as the Internet 100, for example, in the form of an API (Application Programming Interface).

The server 10 according to the present embodiment includes a receiver 11, a processor (extractor) 12, a transmitter 13, and a memory (storage means) 20, as shown in FIG.
When the CPU 91 shown in FIG. 16 is executing the server program, the CPU 91 is an example of the processing unit 12, the CPU 91 and the communication IF 97 are examples of the receiving unit 11 and the transmitting unit 13, and at least one of the RAM 92 and the HDD 94. is an example of the storage unit 20 .

[Reception unit 11]
The receiving unit 11 receives card information including credit card number and expiration date information from the registration terminal 40 together with information indicating the registration terminal 40 (first shop information). The receiving unit 11 also receives the application member ID from the registration terminal 40 together with information indicating the registration terminal 40 (second shop information). The information indicating the registration terminal 40 is, for example, information identifying the registration terminal 40 or information indicating the store where the registration terminal 40 is installed.
Further, the receiving unit 11 receives from the store terminal 50 the application member ID that the store terminal 50 has acquired from the user terminal 30 and the usability information indicating whether or not the settlement information can be used.
Note that the receiving unit 11 is registered (associated) with an application program (hereinafter referred to as an application) installed in the user terminal 30 used by the user who uses the user terminal 30 to refuel. Information such as an application member ID (second identification information) that identifies the user may be received.

The application member ID is information associated with an application installed on the user terminal 30 . Specifically, the application member ID is identification information set in an application installed in the user terminal 30 , and is information that identifies the user who owns the user terminal 30 .

[Processing unit 12]
The processing unit 12 operates the database stored in the storage unit 20 based on the information received by the receiving unit 11 . Specifically, the processing unit 12 generates a settlement member ID (first identification information) that identifies a user (a user who is a settlement member) who performs settlement using the credit card specified by the card information received by the receiving unit 11. to generate The processing unit 12 associates the generated settlement member ID with settlement information generated based on the card information, and registers them in the settlement member DB 21 .
In addition, when the information indicating the registered terminal 40 received together with the application member ID matches the information indicating the registered terminal 40 received together with the card information, the processing unit 12 selects the settlement member ID associated with the card information. The relevant application member ID is associated and stored in the storage unit 20 . That is, the processing unit 12 performs processing for updating the payment member DB 21 and the application member DB 22 .
Further, the processing unit 12 makes a payment according to the availability information received by the receiving unit 11 . Specifically, when the availability information transmitted from the store terminal 50 indicates that the registered payment information is used, the processing unit 12 refers to the storage unit 20 based on the application member ID, The payment information associated with the application member ID is extracted (see FIG. 3(a)). The payment information is, for example, a payment token. The payment token is information that can be used for payment by the user, and is information obtained by tokenizing a credit card number, for example. The information used for user's payment included in the payment information may be the credit number itself, or information obtained by encrypting the credit card number. The processing unit 12 authenticates the user's payment based on the extracted payment information.
A processing part 12 generates information such that the store terminal 50 can display a normal settlement screen when the usage propriety information transmitted from the store terminal 50 indicates that the registered settlement information is not used.

[Transmitting unit 13]
The transmitting unit 13 is means for transmitting to the store terminal 50 that transmitted the authentication result regarding the user's payment based on the payment information extracted by the processing unit 12 and the privilege information associated with the application member ID. is.
The authentication result regarding payment indicates the authentication result of the payment method specified by the payment token included in the payment information by transmitting the payment token to the server 10 or an external authentication server. As for the authentication of a credit card or the like, a specific description is omitted because it is a general method. By detokening the token sent by the external server, the server of the credit card company (for example, the external device 60) executes credit, the external server re-tokenizes the authenticated credit card, and the server 10 , to receive the authentication result and the token. At this time, the settlement member ID may be transmitted and received between the shop terminal 50 and the server 10 .
The transmitting unit 13 also transmits the settlement member ID generated by the processing unit 12 to the registration terminal 40 .

[Storage unit 20]
The storage unit 20 of the server 10 will be further described. Predetermined information required for operation of the information processing system 1 is accumulated in the storage unit 20 .
The storage unit 20 stores, as various information resources, information for identifying each user to be managed in the information processing system 1, information for specifying the SS, and the like.
Specifically, the storage unit 20 stores a settlement member DB 21 storing settlement member IDs and the like and an application member DB 22 storing the application member IDs and the like (see FIGS. 2 and 3).

The storage unit 20 also stores drawing data necessary for generating and displaying display screens to be displayed on display means such as displays of the registration terminal 40 and the store terminal 50, which will be described later.
As the information processing system 1 operates, necessary information is read out, added, or updated as needed.
The storage unit 20 is storage means in which information about users and SSs to be managed by the information processing system 1 is managed as a database.
Information for identifying users and SSs to be managed is stored in advance in the storage unit 20, and data is added as needed according to the daily usage and business conditions of each user and SS. and updated.
Information is transmitted to the storage unit 20 from each user terminal 30, the registration terminal 40, and the store terminal 50 via a network such as the Internet 100, and data is added and updated according to the information as needed. .

The information stored in the storage unit 20 is information about users who use the self-service SS as described above and who are managed by the information processing system 1. For example, as shown in FIGS. Various types of information are stored in the DB 21 and the application member DB 22 .
The information stored in the storage unit 20 described below is an example of information to be processed in the information processing system 1, and is not particularly limited to the following information. It goes without saying that any information can be added, deleted, or changed.

Specifically, the configurations of the settlement member DB 21 and the application member DB 22 are as follows, for example.
[Payment member DB]
1: Payment member ID
2: Payment token 3: App member ID
[App member DB]
1: App member ID
2: Coupon ID
3: Coupon information 4: Payment member ID
In addition, the storage unit 20 may contain, for example, information indicating a predetermined monetary value (for example, points) associated with the payment member ID or the application member ID. In this case, the points may be included in the settlement member DB 21, may be included in the application member DB 22, or may be managed in a database separate from the settlement member DB 21 and the application member DB 22.

[Registration terminal 40]
Each part of the registration terminal 40 will be described. In the present embodiment, for convenience of explanation, the registration terminal 40, which is a terminal for registering payment information, and the shop terminal 50, which is a terminal for making payments, are separately described as store devices installed in the SS. , which can be the same terminal.
The registration terminal 40 includes the function of a so-called credit authorization terminal. That is, in order to confirm the validity of the credit card used by the user, the registration terminal 40 executes a credit inquiry to the external device 60 based on the card information. The registration terminal 40 is realized by a POS terminal or a mobile terminal.
Specifically, the registration terminal 40 includes an acquisition section (first acquisition means) 41 , a communication section (communication means) 42 , and a processing section (processing means) 43 . 16 is an example of the processing unit 43, the CPU 91 and the communication IF 97 are examples of the communication unit 42, and the CPU 91 and the input device 95 are the acquisition unit 41 An example.

The acquisition unit 41 acquires card information including a credit card number and expiration date information from the magnetic stripe or IC chip of the credit card.
The acquisition unit 41 also acquires an application member ID that identifies the user who is the user of the application installed in the user terminal 30 .
The communication unit 42 communicates with the external device 60 via a network such as the Internet 100 . Specifically, the communication unit 42 sends a credit inquiry request to the external device 60 together with the card information acquired by the acquisition unit 41 to confirm the validity of the credit card when the user makes a transaction using the credit card. Send. In addition, the communication unit 42 receives, from the external device 60, the determination result as to whether or not the credit can be granted as a response to the credit inquiry request.

The processing unit 43 performs processing based on the determination result received by the communication unit 42 . Specifically, when the result of the credit approval/denial determination indicates that the credit has not been approved, the processing unit 43 displays a message to that effect on the display of the registration terminal 40, or the like. end the processing of If the result of the determination as to whether or not credit is permitted indicates that the credit for the transaction by credit card has been approved, the processing unit 43 passes the card information to the communication unit 42 . Note that the processing unit 43 may cause the display of the registration terminal 40 to display an instruction to read the application of the user terminal 30 in a manner that the user can understand.

[User terminal 30]
The user terminal 30 is, for example, a smart phone or a tablet terminal operated by a user (customer) that can connect to the server 10 via a network such as the Internet 100 . The user terminal 30 can be composed of one or more information processing devices, but is not limited to this.
Via such a user terminal 30, the user of the SS who uses the user terminal 30 accesses the server 10 via the Internet 100 and transmits necessary various information such as the above-described application member ID and privilege information. or can be received and output or displayed.
The user terminal 30 includes a processing unit 31, a reception unit 32, a communication unit (communication means) 33, a display unit 35, and a storage unit 36, as shown in FIG.

The user terminal 30 includes the hardware configuration shown in FIG. 16 described above.
In a state where the CPU 91 shown in FIG. 16 is executing a program (referred to as a client program) that operates on the user terminal 30, the CPU 91 is an example of the processing unit 31, the CPU 91 and the communication IF 97 are examples of the communication unit 33, The CPU 91 and the input device 95 are examples of the reception unit 32 , the CPU 91 and the output device 96 are examples of the display unit 35 , and at least one of the RAM 92 and HDD 94 is an example of the storage unit 36 .

Each unit of the user terminal 30 will be described.
The processing unit 31 performs processing according to user's operation. For example, when the user's operation is an instruction to install an application, the processing unit 31 installs the application.
The reception unit 32 receives an operation signal indicating an operation by the user. The reception unit 32 receives, for example, a signal indicating an operation to activate an application or an input operation to the application. Note that the reception unit 32 receives usage information such as the user's name, driver's license number, date of birth, telephone number, and point card number to be used, and refueling information such as the type of fuel refueled at the SS and the refueling amount. may be accepted. The type of oil is the type of fuel, such as high-octane (gasoline), regular (gasoline), light oil, and kerosene. The amount of fuel (specified amount) can be set by a method such as a full tank, a predetermined amount (for example, 3000 yen), or a predetermined amount (for example, 30 liters). The usage information and the refueling information may be received by the registration terminal 40 described above or the store terminal 50 described later, or may be received by a terminal different from the registration terminal 40 and the store terminal 50 .
The communication unit 33 communicates with the server 10 . The communication unit 33 transmits various information to the server 10 based on the operation signal received by the receiving unit 32, for example. Specifically, the application member ID set in the application installed in the user terminal 30 is transmitted to the server 10 . Further, the communication unit 33 receives various information transmitted from the server 10, for example.

The display unit 35 generates and displays a screen based on the operation signal received by the receiving unit 32 . For example, the display unit 35 displays privilege information (coupon ID and coupon information) that can be used at the store selected by the user according to the user's input operation.
The storage unit 36 is a storage unit that stores information about the service content when the user receives the refueling service.

[Store terminal 50]
The store terminal 50 can be connected to the server 10 via a network such as the Internet 100, and is operated by an employee or manager of the service station managed by the information processing system 1. For example, a POS terminal, a desktop PC, or a tablet terminal. , smart phone, etc., can be configured by one or more information processing devices.
In particular, in the information processing system 1, the store terminal 50 is a POS terminal called "SS-POS external installation machine" or "SS station rack" installed in the refueling space that can be operated by the user who visits the store at the self-service SS. Configured.
The store terminal 50 includes a reception section (acquisition means, second acquisition means) 51 , a transmission section 52 , a display section 53 , a reception section 54 and a payment section (payment means) 55 .

The store terminal 50 includes the hardware configuration shown in FIG. 16 described above.
In a state where the CPU 91 shown in FIG. 16 is executing a program (referred to as a store program) that operates on the store terminal 50, the CPU 91 is an example of the settlement unit 55, and the CPU 91 and the communication IF 97 serve as The CPU 91 and the input device 95 are examples of the reception unit 51 , and the CPU 91 and the output device 96 are examples of the display unit 53 .

Each part of the store terminal 50 will be described.
The reception unit 51 acquires by reading the application member ID, information indicating whether or not the payment information can be used (usability information), and data representing these. The reception unit 51 is implemented by, for example, a code reader. Further, the reception unit 51 receives an operation signal or the like indicating an operation by the user in the self SS. The receiving unit 51 receives, for example, a signal indicating a POS terminal startup operation or an input operation to the POS terminal.

The transmission unit 52 transmits various types of information to the server 10 based on the operation signal and the like received by the reception unit 51 . Specifically, the application member ID input to the store terminal 50 and information on availability of payment information are transmitted to the server 10 .
The display unit 53 generates and displays a screen based on the operation signal received by the receiving unit 51 . For example, the display unit 53 displays a payment processing screen on the POS terminal according to the user's input operation of the self-service SS. Also, for example, the display unit 53 displays benefits that are available to the user and are transmitted from the server 10 or the user terminal 30 .
The receiving unit 54 receives the authentication result regarding payment transmitted from the server 10 .

The settlement unit 55 performs settlement at the store terminal 50 of the SS in accordance with the availability information of the settlement information.
Specifically, the payment unit 55 performs payment based on the payment information when the authentication result indicates that the authentication has been completed in the case where the usage permission/prohibition information of the payment information indicates use. The settlement unit 55 performs the settlement process by the settlement method selected by the user when the usability information of the settlement information indicates not to be used.

[motion]
Next, the flow of card information registration processing by the information processing system 1 according to the present embodiment will be described with reference to FIGS. 4 and 5. FIG. 4 and 5 are sequence diagrams showing the flow of processing of the information processing system 1 according to this embodiment. In the information processing system 1 according to the present embodiment, it is assumed that the user operates his/her own user terminal 30 to install an application to be used in the information processing system 1 on the user terminal 30 . As a result, an application member ID (second identification information) that identifies the application installed in the user terminal 30 is assigned. Since the user terminal 30 is owned by the user, the application member ID can be said to be information for identifying the user who owns the user terminal.
When a user visits a store or the like and performs registration for receiving the fuel service using the user terminal 30, first, the user presents the credit card to be used for the fuel service. At this time, by asking the person to present the identity verification document, the identity verification is surely performed.
Then, when the registration terminal 40 acquires card information including the credit card number and expiration date information from the credit card (step S101), the registration terminal 40 sends a credit inquiry request to the external device 60 to confirm the validity of the credit card. It is transmitted together with the information (step S102).

The external device 60 performs a predetermined process based on the received card information, and transmits to the registration terminal 40 the determination result as to whether or not the transaction based on the credit card related to the card information can be credited, and the registration terminal 40 This determination result is received as a response to the credit inquiry request (step S103).
If the credit approval determination result indicates that the credit approval has not been approved (NO in step S104), the registration terminal 40 displays a message to that effect on the display screen. is displayed to end the series of processes. If the result of the determination as to whether or not the credit is approved indicates that the credit has been approved (YES in step S104), registration terminal 40 sends the card information to server 10 and sends registration terminal 40 to server 10. is transmitted together with the information indicating (step S105).

When receiving the card information, the server 10 generates a settlement member ID (first identification information) for identifying a user (a user who is a settlement member) who makes a settlement using a credit card (step S106). Then, the server 10 associates the generated settlement member ID with the settlement information and registers them in the settlement member DB 21 (step S107).
The processing of step S107 will be described with reference to the third row record in FIG. In step S107, the server 10 associates the settlement member generated in step S106 with the settlement information including the settlement token corresponding to the received card information, and registers them in the settlement member DB 21. FIG. As a result, the settlement member ID "EP0003" and the settlement token "3333-3333-3333-3333" are registered as shown in the third line of FIG. 3(a).

After that, the server 10 transmits the generated settlement member ID to the registration terminal 40 (step S108).
Next, transitioning to FIG. 5, the processing of the information processing system 1 after step S108 will be described. By the user's operation, the user terminal 30 displays the application member ID on the application (step S201). At this time, the application member ID displayed on the display can be a form (for example, a character string) that allows the user to grasp the application member ID, or a form that can be read by the registration terminal 40, such as a QR code (registered trademark) or a barcode. displayed in the code.
Then, the user causes the registration terminal 40 to read the application member ID, and the registration terminal 40 acquires the application member ID (step S202).

The registration terminal 40 transmits the acquired application member ID to the server 10 together with information indicating the registration terminal 40 (step S203).
If the information indicating the registered terminal 40 received together with the application member ID matches the information indicating the registered terminal 40 received together with the card information in step S105, the server 10 that has received the application member ID And update the application member DB 22 (step S204). Specifically, the server 10 registers the application member ID in the payment member DB 21 and the application member DB 22 in association with the payment member ID associated with the payment information generated based on the card information.
For example, when the credit card reader and the code reader for reading the application member ID are the same terminal, the information indicating the registered terminal 40 is information for identifying the registered terminal 40, and the server 10 identifies this registered terminal 40. Determine whether the information matches. Further, for example, when the credit card reader and the code reader for reading the application member ID are different terminals, the information indicating the registration terminal 40 is information indicating the store where the registration terminal 40 is installed, and the server 10 performs this registration. It is determined whether or not the information identifying the terminal 40 matches. It should be noted that the processing unit 12 starts timing when the card information is received, determines whether or not the application member ID is received within a predetermined time period, and if it is within the predetermined time period, the process of step S204 may be performed. good. If it is not within the predetermined time, the server 10 may send a message prompting the registration terminal 40 to perform processing within the time.
If the received application member ID is already registered in the application member DB 22, the server 10 updates the application member DB 22. If the application member ID is not registered in the application member DB 22, the server 10 updates the application member DB 22. Add a new record to DB22. Thereby, cooperation can be taken between the settlement member DB 21 and the application member DB 22 . In this embodiment, the application member ID is used to link the two databases, but the present invention is not limited to this, and any method for linking information contained in each database is used. Any method may be used.

As described above, the processes shown in FIGS. 4 and 5 are performed in the store where the credit card is presented, so that the SS clerk can provide support until the user completes registration.
After that, the server 10 transmits a notification indicating that the registration has been completed to the registration terminal 40 (step S205). Upon receiving this notification, the registration terminal 40 may display a screen indicating completion.
Note that the server 10 may transmit to the user terminal 30 information for displaying a screen indicating completion on the application.
Thereafter, the registration terminal 40, the store terminal 50, or the user terminal 30 receives the usage information input at the user's desired timing. The usage information includes, for example, the user's name, driver's license number, date of birth, telephone number, and point card number to be used, but is not limited to these. For example, the user may input refueling information such as the type of fuel to be refueled at the SS and the amount of refueling. The input of the usage information by the user may be performed before the flow shown in FIGS. 4 and 5 above. If the usage information has been input before the flow, the terminal that has received the usage information may transmit the usage information to the server 10 at any timing.

Next, in the information processing system 1 according to the present embodiment, an outline will be described from when the user comes to the self-service SS until the completion of refueling and payment processing.
(1) Entering a self-service SS First, while driving a car, a user who wants to refuel enters a self-service SS where a member application set on the user terminal 30 can be used.
(2) Lane Entry and Stop When a user enters a store by car, the user enters and stops in a lane of a predetermined refueling space at his/her own discretion.

(3) Reading and Transmission of User Terminal 30 The user holds the user terminal 30 over a reading unit such as a POS external machine that constitutes the store terminal 50 provided in the fueling space. As a result, the information indicating the type of oil, the specified quantity, the application member ID, and the information on whether or not the payment information can be used, which are stored in the user terminal 30, are input to the store terminal 50 as input information.
Based on the information input from the user terminal 30 , the store terminal 50 sets the oil type and specified quantity for the fuel pump, and transmits the application member ID and information on whether payment information can be used to the server 10 . When the information on whether or not the payment information can be used indicates that the server 10 uses the payment information, the server 10 inquires of the external device 60 whether or not the credit can be granted based on the payment information registered in association with the application member ID. , and the result is transmitted to the store terminal 50 . The server 10 also transmits privilege information registered in association with the application member ID to the store terminal 50 .
(4) Refueling Operation The user operates the refueling pump to refuel his own automobile.
(5) Settlement processing When refueling is completed, settlement processing is performed.
This completes the fueling service at the self-service SS.

Next, a specific flow of data processing of the information processing system 1 in the refueling service performed in the above flow will be described with reference to FIGS. 6 and 7. FIG.
FIG. 6 is a sequence diagram showing the flow of processing in the information processing system 1. As shown in FIG.
First, a user who provides fuel service at a self-service SS holds the user terminal 30 over the store terminal 50 . For example, the user activates an application of the information processing system 1 on the user terminal 30 to display a code (bar code or QR code (registered trademark)) representing the application member ID. This code may include information (availability information) indicating availability of refueling information and payment information.

Here, an example of a display screen on the user terminal 30 will be described with reference to FIG.
The user terminal 30 displays a home screen as shown in FIG. 7, for example. On this application, a switching button 901 is displayed that can switch whether or not to use the registered payment information according to the input operation to the user terminal 30 . In the example of FIG. 7, since use is selected, a message indicating use is displayed in area 902 . Also, a two-dimensional code 903 indicating the application member ID is displayed on the screen.

In the example of FIG. 7, this two-dimensional code 903 may include information indicating the button position of the switching button 901. In the example of FIG. For example, if the switch button 901 is positioned on the "use" side by the user's operation, that is, if the user's operation selects to use the payment information, the user terminal 30 converts this information to A two-dimensional code 903 is generated, and the generated two-dimensional code 903 is displayed on the screen.
As a result, the store terminal 50 that has read the two-dimensional code 903 can acquire the application member ID and the availability information.

The user holds the two-dimensional code 903 as shown in FIG. 7 over the code reader of the store terminal 50 . As a result, the store terminal 50 reads (acquires) the application member ID and the information indicating whether or not the payment information can be used (usability information) (step S301).
The store terminal 50 transmits the acquired application member ID and usage permission/prohibition information to the server 10 (step S302). Then, the server 10 receives the application member ID and the usability information.

Based on the received application member ID, the server 10 can identify the user who wishes to refuel by self-service SS. The server 10 confirms whether or not the received payment information availability information indicates that the payment information is used (step S303). If the received usability information indicates that the payment information is not used (No in step S303), server 10 transmits a notification indicating that the application member ID has been received to store terminal 50 (step S308). At this time, the server 10 may transmit to the shop terminal 50 a normal payment instruction such as displaying a payment method selection screen to the user. Also, at this time, the store terminal 50 may use the refueling information transmitted from the server 10 and stored in association with the application member ID to set the oil type and specified quantity to the refueling pump. Upon receiving the notification, the store terminal 50 displays a payment method selection screen and performs payment processing using the payment method selected by the user (step S309).
If the received payment information availability information indicates that the payment information is to be used (Yes in step S303), the server 10 determines the payment member ID based on the payment member ID associated with the application member ID. The payment information registered in association with is extracted (step S304). Specifically, the server 10 extracts the payment token associated with the application member ID of the payment member DB 21 . Then, the server 10 uses the extracted payment token to authenticate the payment with respect to the external device 60 (step S305).
Next, the server 10 transmits the authentication result regarding payment to the store terminal 50 that transmitted the application member ID (step S306). At this time, the store terminal 50 may set the oil type and specified quantity to the oil pump using the oil supply information stored in association with the application member ID transmitted from the server 10 .

Upon receiving the authentication result transmitted from the server 10, the shop terminal 50 uses the received authentication result to execute settlement processing (step S307). Specifically, the shop terminal 50 performs payment processing using the payment information stored in the server 10 by transmitting information necessary for payment to the server 10 .

As described above, according to the information processing system 1, when the user simply holds the user terminal 30 owned by the user over the store terminal 50 at the self-service SS, the server 10 uses the application member ID stored in the user terminal 30 to User's payment information can be identified.
Therefore, the user can easily and quickly make a payment for refueling by using only the user terminal 30 without using a payment information medium such as an IC tag.

In addition, by making a payment based on the usability information, for example, when the user wishes to make a payment using a credit card different from the credit card registered by the user, or when the user wishes to make a payment in cash, a simple operation can be performed. You can change the payment method with According to such a mechanism, the information processing system 1 can realize a self-fueling service with excellent operability and convenience for the user.

As described above, according to the information processing system 1 of the present embodiment, the clerk of the SS performs the conventional procedure of reading the credit card with the store device for registering the credit card, and the user terminal of the user. By obtaining the application member ID from 30 , the server 10 can associate the payment information with the application installed in the user terminal 30 .
As a result, the store does not need to install a new app payment device or the like, so the introduction cost of the device can be reduced. In addition, since the SS clerks do not have to change their operations drastically, it is possible to reduce work costs due to changes in operations.
In addition, according to the above mechanism, a user who visits an SS for self-service refueling simply holds the user terminal 30 in which an application that stores his or her own application member ID installed is held over the store terminal 50, and the user can use the application. Payment information associated with the member ID is extracted, and payment can be made using the privilege information associated with the application member ID.
Therefore, since it is not necessary to separately prepare a medium such as an IC tag for payment, the cost of the medium can be reduced. Moreover, the user can execute both the user's refueling process and the payment without needing a medium such as an IC tag for storing the payment function. Therefore, a user who wishes to refuel by self-service can reduce the risk of accidentally dropping an IC tag or smartphone without the complexity of the operation itself, which requires two terminals. A highly convenient self-fueling service can be realized.
Therefore, according to the information processing system 1 of the present embodiment, user convenience can be improved while preventing an increase in cost.

[Second embodiment]
A second embodiment of the present disclosure will be described. When the user uses the SS, it is also possible to use benefits such as coupons. Below, the flow of using the privilege on the user terminal 30 will be described.
FIG. 8 is a sequence diagram showing the flow of processing in the information processing system 1. As shown in FIG. Below, privilege information (coupon ID and coupon information) indicating available privileges (coupons) for the user is stored in the storage unit 20 in association with the application member ID as shown in FIG. 3(b). Suppose there is This privilege information may be transmitted to the user terminal 30 .
In the following description, the same reference numerals are given to the same processes as those described in FIG. 6, and the description thereof will be omitted.

As shown in FIG. 8, when the availability information indicates that the payment information is used (Yes in step S303), after step S305, the processing unit 12 of the server 10 uses the application member ID as a key, The privilege information registered in association with the application member ID is extracted from the member DB 22 (step S401).
Next, the server 10 transmits (1) the authentication result regarding payment and (2) the extracted benefit information to the store terminal 50 that transmitted the application member ID (step S402).
The reception unit 54 of the store terminal 50 receives the authentication result and privilege information transmitted from the server 10 . Then, the settlement unit 55 of the store terminal 50 executes settlement processing using the received authentication result and privilege information (step S403).

FIG. 9 shows an example of a display screen displayed on the display of the store terminal 50 in the information processing system 1. As shown in FIG.
FIG. 9 shows an example in which the settlement unit 55 uses coupons for settlement. The usable coupon “limited time: gasoline 2 yen/L” shown in FIG. 9 is a coupon extracted by the processing unit 12 in step S401. The settlement unit 55 applies the privilege indicated by the coupon to the settlement and discounts the price.

Again, returning to FIG. 8, description is given. When the usability information indicates that the payment information is not used (No in step S303), the processing unit 12 of the server 10 uses the application member ID as a key, as in the case of indicating that the payment information is used. The privilege information registered in association with the application member ID is extracted from the DB 22 (step S401).
Next, the server 10 transmits the extracted privilege information to the store terminal 50 that transmitted the application member ID (step S404). Thereby, the reception unit 54 of the store terminal 50 receives the privilege information transmitted from the server 10 . Then, the settlement unit 55 of the shop terminal 50 executes settlement processing using the privilege information (step S405).
At this time, the payment unit 55 may perform payment by applying a privilege that can be used in the payment method selected by the user from among the privilege information received by the reception unit 54 . If there is no privilege available for the payment method selected by the user, the store terminal 50 may display that effect on the display.

Note that the privilege information may include electronic value information including a predetermined monetary value, for example, in addition to discount information and point awarding.
Here, electronic value is typically represented by virtual currency, but it can be used as value information that can be converted into cash, such as the above-mentioned application points, or as electronic money for so-called smartphone payment (cashless payment). Points and the like can also be included in the electronic value information in the present disclosure.
The settlement unit 55 may perform settlement processing using such privilege information for settlement. Specifically, the settlement unit 55 may give points (predetermined points instead of benefits such as coupons) for the amount of the settlement based on the privilege information. In this manner, the settlement unit 55 may perform settlement processing in which the privilege information is directly reflected in the settlement amount, or may perform settlement processing in which the privilege information is used for monetary value other than the amount, such as points.

In addition, in FIG. 9, it is explained that information on available coupons is transmitted from the server 10 to the shop terminal 50 and used for payment by simply holding the user terminal 30 over it. The use of the coupon may be selectably indicated on the display for confirmation prior to purchase. In this case, the user can start the refueling service or the like by performing a touch operation or the like on the display of the store terminal 50 to select a coupon to be used.
Also, there may be multiple available coupons. In this case, the store terminal 50 may selectably display these multiple coupons on the display. For example, the shop terminal 50 may display information on a plurality of coupons received from the server 10 as usable coupons on the display of the shop terminal 50 .

In addition, the user operates the user terminal 30 at home or the like before entering the SS and before using the user terminal 30 after entering the SS to select a coupon that can be used at the relevant SS. Then, privilege information indicating the coupon can be transmitted to the server 10 . As a result, the privilege information corresponding to the selected coupon among the usable benefit information (coupon information) registered in the app member DB 22 is stored differently from the app member DB 22 or the app member DB. stored in the area.

Further description will be made with reference to FIG. FIG. 10 is an explanatory diagram showing transition of display screens displayed on a user terminal in the information processing system 1. As shown in FIG.
The user operates his or her user terminal 30 to activate the application of the information processing system 1 before coming to the self service station or before refueling after coming to the service station. As a result, a home screen as shown in FIG. 10A is generated and displayed on the user terminal 30, for example.
On this application, according to the input operation to the user terminal 30, the home screen is changed to the store selection screen of the SS, and the user can select the store of the SS desired by the user.
Specifically, on the user terminal 30, for example, a selection screen of SSs registered in "my shop" and selectable SSs as shown in FIG. 10(b) is generated and displayed. The SS desired by the user is determined.

For SSs other than the selection candidates, a store search screen as shown in FIG. 10C is generated and displayed. SSs located around or near the user's current position are displayed as selection candidates. This allows the user to select a desired SS.
Also, the user terminal 30 may automatically select the self-SS where the user is located based on the acquired GPS signal. For example, the user terminal 30 may select information indicating the user's location (user terminal location) identified based on the GPS signal and the SS located at a predetermined distance.

Depending on the user's current position, a display such as "candidates for selection: 0" may be output. Also, when the user terminal 30 is set not to receive GPS signals, the store search may not be performed. In such a case, SS is selected from the selection candidate screen as shown in FIG. 10(b).
For the SS selected by the store search, for example, a "my store" registration screen as shown in FIG. 10(d) is generated and displayed, and any SS can be registered as "my store".
When the user selects a self-service SS shop to visit, the user terminal 30 displays, for example, as shown in FIG. can be displayed.

As a result, the user terminal 30 selects a coupon that can be used at the relevant self-service SS according to the input operation.
After that, according to the user's input operation, the user's identification information (application member ID), information indicating the SS used by the user (SS base number), and privilege information indicating the selected coupon are transmitted to the server 10. be. As a result, the server 10, based on the received application member ID, selects the coupon corresponding to the selected coupon among the usable benefit information (coupon information) registered in the application member DB 22 (FIG. 3B). It is possible to store the special privilege information in the app member DB 22 or a storage area different from the app member DB.

In this way, when a coupon to be used is selected in advance by the user, the processing unit 12 indicates that the selected privilege information is stored in the application member DB 22 or a storage area different from the application member DB. Information may be extracted, and privilege information associated with the extracted information may be extracted in step S401.
The number of coupons selected by the user may be one, or may be plural. Further, as described above, the store terminal 50 may selectably display the use of the selected coupon on the display for confirmation.

Also, the privilege information included in the application member DB 22 may include information specifying an SS for which the coupon indicated by the coupon information can be used.
In this case, when the user selects a coupon in advance, the user terminal 30 transmits information indicating the selected store to the server 10 together with the application member ID. Then, the user terminal 30 can selectably display on the display unit 35 the privilege information associated with the information indicating the application member ID and the store, which are transmitted from the server 10 .
Then, in the SS, in step S301, the transmission unit 52 transmits the SS base number of the SS where the store terminal 50 that read the application member ID is provided to the server 10 along with the application member ID. After that, in step S401, the processing unit 12 extracts the privilege information indicating the shop where the transmitted base number and the information indicating the selected shop are the same.

In addition, in the case where the privilege information includes information specifying an SS where the coupon indicated by the coupon information can be used, if the SS user has not previously selected a coupon that can be used, the processing unit 12 can be used by the store terminal 50 Coupon information indicating usable coupons may be extracted based on the SS base number transmitted together with the application member ID. Thereby, the store terminal 50 can display coupons that can be used in the SS used by the user in a selectable manner. Further, when there is no usable coupon in the SS used by the user, the processing unit 12 may extract information indicating that there is no usable coupon or the like as privilege information. Then, the store terminal 50 may display information to the effect that there is no usable coupon on the display.

Moreover, the reception unit 51 may acquire privilege information together with the application member ID. In this case, the processing unit 12 may or may not perform step S401 described above. When the processing unit 12 extracts privilege information in step S<b>401 and the transmission unit 13 transmits the privilege information to the store terminal 50 , the store terminal 50 receives the privilege information acquired from the user terminal 30 and the privilege information transmitted from the server 10 . You may collate it with the special privilege information. Then, the store terminal 50 may use the privilege indicated by the privilege information for payment only when the same privilege is indicated. In addition, when the matching result indicates different benefits, the store terminal 50 may display on the display such that the user can select which benefit is to be used.

Also, in the example of FIG. 7 of the present embodiment, it has been described that the two-dimensional code 903 is used to make a payment. However, for example, if the screen of the user terminal 30 is dirty or cracked and the store terminal 50 cannot read the code well, or if the code reader of the store terminal 50 fails to read due to a problem, a code reader is installed. There may be cases where an SS that is not set is used. In the following, we will explain how to make a payment using a registered payment method even in such a case.
FIG. 11 is a sequence diagram showing the flow of processing in the information processing system 1. As shown in FIG. FIG. 12 is a diagram showing an example of a display screen on the user terminal 30. As shown in FIG. Among the members in FIG. 12, functions similar to those in FIG. 7 are denoted by the same reference numerals, and descriptions thereof are omitted. The flow of processing when the store terminal 50 cannot read the application member ID in step S301 of FIGS. 6 and 8 will be described below. In this case, the store terminal 50 may display a message indicating that it could not be read on the display.

When the store terminal 50 cannot read the application member ID, the user terminal 30 accepts a request to display the one-time ID (step S501). Specifically, when the store terminal 50 cannot read the application member ID, the user presses the button 904 in FIG. accept requests. Here, the button 904 in FIG. 12(a) is an object that accepts a onetime ID display request.
Here, the one-time ID is a unique character string that is generated for each SS using a predetermined function and valid only for a predetermined period (for example, 5 minutes). A one-time ID is also called a one-time code or a one-time password. The one-time ID is a character string consisting of at least one of letters and numbers, which is easy to memorize and easy to input. For example, the one-time ID is a 2- to 4-digit number. In order to improve security, it is preferable to use a large number of digits and character types.

The communication unit 33 of the user terminal 30 transmits a one-time ID generation request to the server 10 together with the application member ID, usage availability information, and information indicating the SS used by the user (SS base number) (step S502). .
When the receiving unit 11 of the server 10 receives the one-time ID generation request transmitted from the user terminal 30, the processing unit (extracting means) 12 extracts the corresponding user's registration information (see FIG. 3) based on the application member ID ) and confirm that the received application member ID is registered. Also, the processing unit 12 identifies the SS used by the user based on the received SS base number (step S503). If the information indicating the SS is not the SS base number but information indicating the position of the SS (for example, longitude and latitude), the server 10 stores the SS position stored in the storage unit 20 in association with the SS base number. The SS may be identified by referring to information (not shown) indicating the .

Then, the processing unit 12 generates, for example, a one-time ID (step S504). The processing unit 12 stores the generated one-time ID in the storage unit 20 together with the generated date and time (issuance date and time), information indicating the SS (SS base number), availability information and application member ID. Note that the processing unit 12 may register these pieces of information in the application member DB 22 or in a database different from the application member DB 22 .
After that, as a response to the one-time ID generation request, the transmission unit 13 transmits the generated one-time ID to the user terminal 30 that transmitted the generation request (step S505).

When the communication unit 33 of the user terminal 30 receives the one-time ID transmitted from the server 10, the display unit 35 displays the one-time ID on the display as a response to the display request of step S501 (step S506). The display unit 35 displays, for example, the one-time ID "9876" at the position where the button 904 was displayed, as shown in an area 905 in FIG. 12(b). Thereby, the user can input the generated one-time ID to the store terminal 50 .

After that, when the user operates the numeric keypad or the like of the POS terminal of the store terminal 50 to input the one-time ID displayed on the user terminal 30, the accepting unit 51 of the store terminal 50 accepts the entered one-time ID. (Step S506). The transmission unit 52 of the store terminal 50 transmits the received one-time ID (transmission ID) to the server 10 together with store identification information (SS base number, etc.) (step S508).

When the receiving unit 11 of the server 10 receives the one-time ID and the SS base number transmitted by the store terminal 50, the processing unit 12 determines that the following (A) and (B) match: (Step S509).
(A) SS base number received in step S502 and SS base number received in step S508 (B) Onetime ID received in step S508 and onetime ID generated in step S504
Note that the processing unit 12 may delete the one-time ID from the storage unit 20 when the effective period of the one-time ID has passed so that the above (B) does not match, or ( A) In addition to the determination of (B), it may be determined whether or not the period is valid.
After that, when the determination result in step S509 indicates that (A) and (B) match, the server 10 proceeds to the process of step S303 in FIG. 6 or 8 . If the determination result in step S509 indicates that the above (A) or (B) do not match, the server 10 transmits an instruction to display an error message, a one-time ID re-creation message, or the like on the store terminal 50. You may

As described above, the information processing system 1 can make a payment using the registered payment information based on the one-time ID requested and displayed on the user terminal 30 operated by the user himself/herself. As a result, the user who has received the fuel service can smoothly complete the payment even if the code displayed on the user terminal 30 is not successfully read.

[Third embodiment]
A third embodiment of the present disclosure will be described. In this embodiment, another example of the process of associating the settlement member ID and the application member ID, the flow of which is shown in FIGS. 4 and 5, will be described.
FIG. 13 is a block diagram showing the configuration of the information processing system 1 according to this embodiment. As shown in FIG. 13, the user terminal 30 of the information processing system 1 according to this embodiment further includes an acquisition unit 34 in addition to the user terminal 30 of the first embodiment. Further, the registration terminal 40 of the information processing system 1 according to this embodiment further includes an output unit 44 in addition to the registration terminal 40 of the first embodiment.

The receiving unit 11 of the server 10 in the present embodiment further receives the application member ID and the output information read by the user terminal 30 (described later) from the user terminal 30 .
The processing unit 12 of the server 10 in this embodiment further compares the output information received from the user terminal 30 by the receiving unit 11 with the output information stored in the storage unit 20 . If the collation result indicates that the output information transmitted from the user terminal 30 and the output information stored in the storage unit 20 do not match, a message or the like to that effect is displayed on the display screen of the user terminal 30. create data to When the collation result indicates that the output information transmitted from the user terminal 30 and the output information stored in the storage unit 20 match, the application member ID and the settlement member ID received by the receiving unit 11 are stored in association with each other to update the settlement member DB 21.
The storage unit 20 of the server 10 may also include output information (described later) associated with payment information such as a payment token. In this case, this output information may be included in the settlement member DB 21 or managed in a database separate from the settlement member DB 21 .

The communication unit 42 of the registration terminal 40 in this embodiment further transmits the card information and the output information generated by the processing unit 43 in association with the card information to the server 10 .
The processing unit 43 of the registration terminal 40 according to the present embodiment generates output information based on the card information when the result of the credit approval determination indicates that the credit for the credit card transaction has been approved. Specifically, the processing unit 43 generates a predetermined character string generated in association with the card information as the output information. The information generated by the processing unit 43 is not limited to a character string, and may be generated in association with the card information. For example, it may be a predetermined character string itself generated in association with the card information, or may be a code such as a QR code (registered trademark) that expresses information including the character string. The processing unit 43 may generate output information according to a mode in which the output unit 44 outputs the output information.
The output information preferably includes a period until the start of user registration processing (described later) (the date and time indicating the end of the valid state). As a result, when the date and time when the output information is received from the user terminal 30 is before the date and time included in the output information, the server 10 can match the output information transmitted from the registration terminal 40 with the output information transmitted from the user terminal 30. Match the output information. Alternatively, the server 10 deletes the output information stored in the storage unit 20 after the period has passed.
As a result, it is possible to shorten the time until the user's registration process, so that it is possible to prevent the withdrawal from the payment member due to the user forgetting to process the registration.

The output unit 44 outputs the output information generated by the processing unit 43 in a predetermined form. The output unit 44 may, for example, print the output information on a predetermined sheet, or display the output information in a predetermined format using a display or the like.
Also, the output unit 44 may output the output information by e-mail or a message application available on the user terminal 30 . In this case, the output section 44 may be implemented by the communication section 42 .

The communication unit 33 of the user terminal 30 in this embodiment further transmits the output information acquired by the acquisition unit 34 to the server 10 .
The acquisition unit 34 of the user terminal 30 in this embodiment acquires output information based on the operation signal received by the reception unit 32 . For example, in the case where the output information is a QR code (registered trademark) printed on a predetermined sheet, the user terminal 30 reads the output information using a code reader within or outside the application, and obtains the output information. get. For example, when the output information is sent to the user terminal 30 by e-mail or a message on a message application, the user terminal 30 acquires the output information according to the described contents.
Note that the acquisition unit 34 may be implemented by the reception unit 32 . For example, if the output information is a character string displayed on the registration terminal 40, and the character string is transcribed on a predetermined form by a store clerk and received, the character string input by the user is accepted. The acquisition unit 34 acquires output information.

[motion]
Next, the flow of processing for registering card information by the information processing system 1 according to this embodiment will be described with reference to FIGS. 14 and 15. FIG. 14 and 15 are sequence diagrams showing the flow of processing in the information processing system 1 according to this embodiment. In addition, in the present embodiment, the same processes as those shown in FIGS. 4 and 5 are denoted by the same reference numerals, and description thereof will be omitted.
In step S104, the registration terminal 40 that has received the credit approval/disapproval determination result indicates that the credit approval has been granted (the credit has been approved) (YES in step S104). ), the registration terminal 40 generates output information based on the card information (step S601) and outputs it in a predetermined manner (step S602).
Also, the registration terminal 40 transmits the card information and the output information to the server 10 (step S603). 4, the server 10 generates a settlement member ID (step S106), associates the generated settlement member ID with settlement information, and registers them in the settlement member DB 21 (step S107).

Next, transitioning to FIG. 15, the processing of the information processing system 1 after step S108 will be described. In addition, in the process shown in FIG. 15, it demonstrates that the application is already installed in the user terminal 30, and application member ID is already registered into application member DB22.
It should be noted that the processing shown in FIG. 15 is preferably performed in the store where the credit card is presented. As a result, it is possible for the clerk of the SS to provide support until the user completes registration.
The user receives the output information output in step S602. When the registration terminal 40 outputs the QR code (registered trademark) on a predetermined form in step S602, the user receives the form. When the registration terminal 40 outputs output information to the user terminal 30 in a predetermined format and display method, the user receives the output information on the user terminal 30 .

Then, the user terminal 30 acquires output information by operating the user terminal 30 (step S701).
Then, the user terminal 30 transmits the acquired output information to the server 10 together with the application member ID (step S702).
When receiving the application member ID and the output information from the user terminal 30, the server 10 compares the output information with the output information stored in the storage unit 20 (step S703). Here, the output information stored in the storage unit 20 is output information transmitted from the registration terminal 40 to the server 10 . If the collation result indicates that the output information transmitted from the user terminal 30 and the output information stored in the storage unit 20 do not match (NO in step S703), the display screen of the user terminal 30 A series of processing is completed by creating and transmitting data for displaying a message to that effect.

If the collation result indicates that the output information transmitted from the user terminal 30 and the output information stored in the storage unit 20 match (YES at step S703), the server 10 stores the settlement member DB 21 And update the application member DB 22 (step S204). Specifically, the server 10 identifies a record in which the card information associated with the output information stored in the storage unit 20 is stored from the settlement member DB 21, and adds the card information to the record in the app member DB 22 in step S204. By adding the same value as the application member ID registered in , the payment member ID and the application member ID are associated. Also, the server 10 adds the settlement member ID to the corresponding record in the application member DB 22 . Thereby, cooperation can be taken between the settlement member DB 21 and the application member DB 22 . In this embodiment, the application member ID is used to link the two databases, but the present invention is not limited to this, and any method for linking information contained in each database is used. Any method may be used.
After that, the server 10 transmits a notification indicating that the registration has been completed to the user terminal 30 (step S704). Upon receiving this notification, the user terminal 30 may display a screen indicating completion.
In the information processing system 1 according to this embodiment, the processing from the user's visit to the self-service SS to the completion of refueling and payment processing is the same as in each of the above-described embodiments.

As described above, according to the information processing system 1 of the embodiment, the SS store clerk performs the conventional procedure of reading the credit card with the store device for registering the credit card. Outputs output information based on the card information of the card. By reading this output information with the user terminal 30, the payment information and the application installed in the user terminal 30 can be linked.
As a result, the store does not need to install a new app payment device or the like, so the introduction cost of the device can be reduced. In addition, since the SS clerks do not have to change their operations drastically, it is possible to reduce work costs due to changes in operations.

In addition, refueling information and usage information such as the type of fuel to be refueled and the amount of refueling may be stored in the storage unit 20 of the server 10 in association with the application member ID, or may be stored in the user terminal 30. good too. For example, when refueling information and usage information are received by the store terminal 50, the store terminal 50 receives the app member ID from the user terminal 30 and transmits the app member ID and the refueling information to the server 10. may be associated. Also, if refueling information or usage information is registered at the time of associating the payment member ID and the application member ID, the refueling information, etc. will be transferred to the application member ID at the timing of associating the payment member ID and the application member ID. may be associated. As a result, the server 10 can transmit the oil type and specified quantity associated with the received application member ID to the store terminal 50 .

Although the preferred embodiments of the present invention have been described above, it goes without saying that the present invention is not limited to the above-described embodiments, and that various modifications are possible within the scope of the present disclosure.
For example, in the above-described embodiment, as an SS to which the present disclosure is directed, a self-service gas station having a self-service gas station where the user himself/herself performs refueling work has been described as an example. Of course, it is also possible to apply the present disclosure to full service.

Further, although the information processing system 1 has been described as being composed of a plurality of information processing apparatuses, it can also be composed of a single information processing apparatus (for example, one personal computer or the like).

1 information processing system 10 server (information processing device)
11 Receiving Unit 12 Processing Unit (Extraction Means)
13 transmission unit 20 storage unit (storage means)
21 Settlement member DB
22 App member database
30 user terminal 31 processing unit 32 reception unit 33 communication unit (communication means)
34 acquisition unit (acquisition means)
35 display unit 40 registration terminal (store device)
41 Acquisition Unit (First Acquisition Means)
42 communication unit (communication means)
43 processing unit (processing means)
44 output section (output means)
50 store terminal (store device)
51 reception unit (acquisition means, second acquisition means)
52 transmitting unit 53 display unit 54 receiving unit 55 payment unit (payment means)

Claims (10)

A store device for registering information for settling a fee for a refueling service provided to a user who uses a service station that provides the refueling service,
A credit inquiry request for the transaction by the user's credit card is made to an external device that approves credit for the transaction by the credit card, and the determination result of whether or not the transaction by the credit card received as a response is determined by the credit card. When indicating that the credit for the transaction has been approved, the card information of the credit card is transmitted to the information processing device together with the first store information indicating the store device,
The information processing device
storing payment information based on the card information in association with first identification information that identifies a user who makes payment using the credit card;
The store device
Acquiring second identification information identifying a user who owns the user terminal from the user terminal owned by the user;
transmitting the second identification information to the information processing device together with second store information indicating the store device;
The information processing device
when the first store information and the second store information match, storing the first identification information and the second identification information in association with each other;
The store device
obtaining the second identification information from the user terminal when providing a fuel service to the user;
The information processing device
extracting the payment information based on the first identification information associated with the second identification information;
The store device
performing payment processing using the payment information extracted by the information processing device;
An information processing method characterized by: The information processing device confirms whether or not the second identification information is received within a predetermined period after receiving the card information before associating the first identification information and the second identification information, If it is within a predetermined time, the first identification information and the second identification information are associated and stored;
2. The information processing method according to claim 1, wherein: A store device for registering information for settling a fee for a refueling service provided to a user who uses a service station that provides the refueling service,
A credit inquiry request for the transaction by the user's credit card is made to an external device that approves credit for the transaction by the credit card, and the determination result of whether or not the transaction by the credit card received as a response is determined by the credit card. generating output information based on the card information of the credit card when indicating that credit for the transaction has been approved;
outputting the generated output information in a predetermined manner;
transmitting the card information of the credit card and the output information to an information processing device;
The information processing device
storing payment information based on the card information in association with first identification information that identifies a user who makes payment using the credit card;
A user terminal owned by the user,
Acquiring output information output from the store device,
transmitting the acquired output information and the second identification information identifying the user who owns the user terminal to the information processing device;
The information processing device
when the output information transmitted from the store device and the output information transmitted from the user terminal match, storing the first identification information and the second identification information in association with each other;
The store device
obtaining the second identification information from the user terminal when providing a fuel service to the user;
The information processing device
extracting the payment information based on the first identification information associated with the second identification information;
The store device
performing payment processing using the payment information extracted by the information processing device;
An information processing method characterized by: The store device generates output information including a date and time when the output information is valid,
When the date and time when the output information is received from the user terminal is before the date and time included in the output information, the information processing device combines the output information transmitted from the store device with the output transmitted from the user terminal. to match the information;
4. The information processing method according to claim 3, characterized by: The store device acquires availability information indicating availability of payment information when providing the user with a fuel service,
When the availability information indicates that the
The information processing device extracts the payment information, the store device performs payment processing using the payment information extracted by the information processing device,
When the availability information indicates not to be used,
The store device performs payment processing using a payment method selected by the user on a screen that allows selection of a payment method.
5. The information processing method according to any one of claims 1 to 4, characterized in that: The information processing device
storing privilege information usable at the service station and the second identification information in association with each other;
When providing the refueling service to the user,
The information processing device extracts the privilege information based on the second identification information,
The store device performs payment processing using the privilege information extracted by the information processing device;
6. The information processing method according to any one of claims 1 to 5, characterized in that: When providing the refueling service to the user,
The store device acquires privilege information that can be used at the service station from the user terminal, and performs settlement processing using the privilege information.
6. The information processing method according to any one of claims 1 to 5, characterized in that: When the store device cannot acquire the second identification information from the user terminal when providing the fuel service to the user,
The information processing device
receiving location information of the user terminal;
Generate a one-time ID that satisfies predetermined conditions,
transmitting the one-time ID to the user terminal;
The user terminal
displaying the one-time ID;
The store device
receiving an input from a user, transmitting the received information as a transmission ID to the information processing device together with SS identification information for identifying a service station having the store device;
The information processing device
determining that the SS identification information and the identification information of the service station specified by the location information match, and that the transmission ID and the one-time ID match;
Extracting the payment information if the result of the determination indicates that they all match;
8. The information processing method according to any one of claims 1 to 7, characterized by: A shop device for registering information for settling the consideration for the refueling service provided to the user who uses the service station that provides the refueling service, a user terminal held by the user, and capable of communicating with the shop device and the user terminal and a connected information processing device,
The store device is
A credit inquiry request for the transaction by the user's credit card is made to an external device that approves credit for the transaction by the credit card, and the determination result of whether or not the transaction by the credit card received as a response is determined by the credit card. communication means for transmitting the card information of the credit card to the information processing device together with the first store information indicating the store device when indicating that the credit for the transaction has been approved;
a first acquisition means for acquiring, from a user terminal owned by the user, second identification information identifying a user who owns the user terminal,
The communication means transmits the second identification information to the information processing device together with second store information indicating the store device,
The information processing device is
storing payment information based on the card information in association with first identification information that identifies a user who makes payment using the credit card;
storage means for storing the first identification information and the second identification information in association with each other when the first shop information and the second shop information match;
When providing the user with a refueling service, the store device includes:
a second obtaining means for obtaining the second identification information from the user terminal;
further comprising payment means for performing payment processing using the payment information extracted by the information processing device;
An information processing system characterized by: A shop device for registering information for settling the consideration for the refueling service provided to the user who uses the service station that provides the refueling service, a user terminal held by the user, and capable of communicating with the shop device and the user terminal and a connected information processing device,
The store device is
A credit inquiry request for the transaction by the user's credit card is made to an external device that approves credit for the transaction by the credit card, and the determination result of whether or not the transaction by the credit card received as a response is determined by the credit card. processing means for generating output information based on card information of said credit card when indicating that credit for a transaction has been approved;
output means for outputting the generated output information in a predetermined manner;
a communication means for transmitting the card information of the credit card and the output information to an information processing device;
The user terminal is
Acquisition means for acquiring output information output from the store device;
a communication means for transmitting the acquired output information and the second identification information for identifying the user who owns the user terminal to the information processing device;
The information processing device is
Payment information based on the card information is stored in association with first identification information for identifying a user who makes payment using the credit card, and output information transmitted from the store device and transmitted from the user terminal are stored. storage means for associating and storing the first identification information and the second identification information when the output information matches;
extracting means for extracting the payment information based on the first identification information associated with the second identification information;
When providing the user with a refueling service, the store device includes:
Acquisition means for acquiring the second identification information from the user terminal;
further comprising payment means for performing payment processing using the payment information extracted by the information processing device;
An information processing system characterized by:

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