JP2023164666A - Information processing device - Google Patents

Abstract

To solve the problem in which means such as proper settlement means and the like cannot be simply used.SOLUTION: An information processing device comprises: a user information storage unit in which stores user information having a settlement means identifier, a privilege award means identifier, and a user identifier are stored; a shop information storage unit in which one or more pieces of shop information having a shop identifier, settlement means usable in a shop, and privilege award means are stored; a reception unit that receives the user identifier, the shop identifier, and purchase information; a determination unit that determines two or more means usable by a user in the shop, using the settlement means identifier stored by being paired with the received user identifier and a privilege award means identifier, and two or more kind identifiers stored by being paired with the received shop identifier; a settlement unit that acquires the settlement means identifier corresponding to the settlement means of the determined two or more means, and performs settlement processing using the settlement means identifier; and other processing unit that performs processing corresponding to the privilege award means of the determined two or more means. The information processing device can simply use proper means such as the settlement means and the like.SELECTED DRAWING: Figure 3

Description

The present invention relates to an information processing apparatus and the like that perform processing using two or more means. Note that the means include, for example, cards such as credit cards and point cards, electronic money, virtual currency, and the like.

Conventionally, there has been a point granting technique that is easy to use for customers who receive point card services (see Patent Document 1).

Furthermore, there has conventionally been a credit card payment management device that centrally manages multiple member store codes and eliminates the need to install a dedicated credit card payment machine for each member store (see Patent Document 2).

JP 2018-55564 Publication JP 2017-54154 Publication

However, in the prior art, it is not possible to automatically determine which means can be used by the user and which can be used at the store, and to easily use appropriate means such as payment means.

The information processing device of the first invention identifies one or more payment method-related identification information including a payment method identifier that identifies a payment method that has a payment function, and a benefit granting device that has a function other than payment. a user information storage unit storing one or more user information having one or more privilege granting means related identification information including a privilege granting means identifier and a user identifier for identifying a user; and a store identifier for identifying a store. a store information storage unit storing one or more store information having one or more method identifiers indicating payment methods available at the store and one or more method identifiers indicating means among the reward granting means; a reception unit that receives purchase information including purchase information; payment means-related identification information and benefit provision means-related identification information stored in pairs with user identifiers received by the reception unit; and store identifiers received by the reception unit. a determining unit that determines two or more means available to the user identified by the user identifier at the store identified by the store identifier, using one or more type identifiers identified by the determining unit; Among the above means, there is a payment section that acquires a payment method identifier corresponding to a payment method from a user information storage section and uses the payment method identifier to perform a payment process that is a payment process corresponding to purchase information; The information processing device is an information processing device that includes another processing section that performs other processing that is a processing corresponding to the privilege granting means among the two or more means determined by.

With this configuration, it is possible to automatically determine which means can be used by the user and which can be used at the store, and can easily use two or more appropriate payment methods.

Further, in the information processing device of the second invention, in contrast to the first invention, the reception unit receives store identification information and a user identifier, which are information for identifying a store, from a user terminal, and stores store identification information. A code generation unit that acquires a store identifier and a user identifier corresponding to the information and generates a code corresponding to the store identifier and user identifier acquired by the reception unit; and a code transmission unit that transmits the code to the user terminal. The reception unit receives the user identifier and store identifier corresponding to the code after the code is transmitted, and the determination unit uses the user identifier and store identifier received by the reception unit to determine two or more This is an information processing device that determines the means.

With this configuration, two or more appropriate means can be easily used while ensuring security.

Further, in the information processing device of the third invention, in contrast to the first or second invention, the reception unit receives the user identifier and the store identifier from a store terminal that is a terminal of the store, and the determination unit: The information processing device determines one or more means using the user identifier and store identifier received by the reception unit.

With this configuration, it is possible to automatically determine which means can be used by the user and which can be used in the store, and easily use two or more suitable means.

Further, in the information processing device of the fourth invention, in contrast to any one of the first to third inventions, the payment means-related identification information and the benefit granting means-related identification information have a type identifier indicating the type of means. and a means information storage section in which two or more means information corresponding to or including the type identifier are stored, and a means information acquisition section that acquires means information corresponding to each of the two or more means determined by the determining section. and a means information transmitter that transmits the two or more means information acquired by the means information acquirer to the user terminal, and a means information receiver that receives the two or more means information selected by the user of the user terminal. , the payment unit obtains a means identifier corresponding to the means information of the payment means from the user information storage section among the two or more means information received by the means information receiving section, performs payment processing using the means identifier, and performs payment processing using the means identifier. The processing section is an information processing device that performs other processing corresponding to the means information of the privilege granting means among the two or more means information received by the means information receiving section.

With this configuration, two or more means selected by the user from available means can be easily used.

Further, in the information processing device of the fifth invention, in contrast to the fourth invention, the means information transmitting section is configured to transmit two or more means information acquired by the means information acquiring section, and corresponds to each of the two or more means information. This is an information processing device that transmits to a user terminal two or more pieces of means information that can identify the type of means used.

With this configuration, the user can easily select two or more means.

Further, in the information processing device of the sixth invention, priority information indicating the priority regarding the use of two or more means is stored for any one of the first to third inventions, and the determining unit After determining two or more means available at the store, if all of the two or more means cannot be used, the information processing apparatus determines the means according to priority information corresponding to each of the two or more means.

With this configuration, two or more means can be easily and appropriately selected and used.

Further, in the information processing device of the seventh invention, usage conditions regarding the use of two or more means are stored for any one of the first to sixth inventions, and the determining unit is configured to This is an information processing device that determines two or more means available at a store.

With this configuration, two or more means can be easily and appropriately selected and used.

Further, in the information processing device of the eighth invention, in contrast to any one of the first to seventh inventions, the other processing unit acquires benefit information regarding benefits, and transfers the benefit information to a user identified by a user identifier. This is an information processing device that performs privilege granting processing.

With this configuration, it is possible to automatically determine the means that can be used by the user and the means that can be used at the store, and perform the process of granting benefits to the user.

Moreover, the information processing apparatus of the ninth invention is an information processing apparatus in which the other processing section performs a point addition process of acquiring points to be added and adding the points, in contrast to the eighth invention.

With this configuration, it is possible to automatically determine which means can be used by the user and which can be used at the store, and perform two processes: payment and point addition.

Further, in the information processing device of the tenth invention, in contrast to the eighth invention, the other processing unit performs a discount process of determining a discount amount and acquiring discount amount information indicating the discount amount, and the payment unit , is an information processing device that performs payment processing using a means identifier for an amount obtained by subtracting a discount amount indicated by discount amount information.

With this configuration, it is possible to automatically determine which means can be used by the user and which can be used at the store, and then make a payment after discounting the method.

Further, the user terminal of the eleventh invention includes a user storage section in which a user identifier is stored, a user processing section that acquires store specifying information that is information for specifying a store, and a user terminal and a store specifying information. a user transmitting unit that transmits the information to the information processing device; a user receiving unit that receives a code corresponding to the user identifier and the store specific information from the information processing device in response to the transmission of the user identifier and the store specific information; The user terminal is equipped with a user output unit that outputs a user output unit.

With this configuration, it is possible to provide a user terminal that can easily utilize two or more suitable means.

Further, the store terminal of the twelfth invention includes a store reception section that receives purchase information including a code corresponding to a user identifier and a store identifier, and an amount, and an information processing device that receives the user identifier, store identifier, and purchase information. A store terminal comprising: a store transmitter that transmits to the store; a store receiver that receives payment completion information indicating that the payment has been completed in response to the transmission from the store transmitter; and a store output section that outputs the payment completion information. be.

With this configuration, it is possible to provide a store terminal that allows the user to easily use two or more appropriate means.

According to the information processing device according to the present invention, it is possible to automatically determine which means can be used by the user and which can be used at the store, and can easily use appropriate means such as payment means.

Conceptual diagram of information processing system A in Embodiment 1 Block diagram of the information processing system A Block diagram of the information processing device 1 Flowchart explaining an example of the operation of the information processing device 1 Flowchart explaining an example of the same means determination process Flowchart explaining an example of the operation of the user terminal 2 Flowchart explaining an example of the operation of the store terminal 3 Diagram showing the same method information management table Diagram showing the same store information management table Diagram showing the same user information management table Diagram showing an example of the same output Diagram showing an example of the same output Diagram showing an example of the same output Overview of the computer system Block diagram of the computer system

Hereinafter, embodiments of an information processing device and the like will be described with reference to the drawings. Note that in the embodiments, constituent elements with the same reference numerals perform similar operations, and therefore, repeated explanation may be omitted.

(Embodiment 1)
In this embodiment, a user identifier and a store identifier are accepted, and two or more means-related identification information stored in pairs with the user identifier is used to identify two or more means available at the store identified by the store identifier. An information processing system including an information processing device that determines the payment method and performs payment processing and other processing other than payment using the two or more means will be described. Note that processes other than payment include, for example, giving points, giving discounts, and giving benefits.

Furthermore, in this embodiment, an information processing system will be described in which a one-time code is issued to a user terminal and two or more available means are determined using the code.

Further, in this embodiment, an information processing system will be described in which the user is asked which method to use from among a plurality of available methods. Further, in this case, an information processing system having a technique of presenting a plurality of means for each type of means will be described.

Furthermore, in this embodiment, an information processing system will be described in which the priority of means is managed and the means to be used is selected using the priority.

Furthermore, in this embodiment, an information processing system will be described in which usage conditions of a plurality of means are managed and a means is selected using the usage conditions.

Note that the term "means" refers to something that can be used at a store or the like, and includes, for example, a card, electronic money, virtual currency, QR code (registered trademark), etc., and is broadly understood.

FIG. 1 is a conceptual diagram of an information processing system A in this embodiment. The information processing system A includes an information processing device 1, one or more user terminals 2, and one or more store terminals 3. The information processing device 1 is, for example, a server device here, but its type does not matter. The information processing device 1 is, for example, a so-called cloud server, an ASP server, or the like. The user terminal 2 is a user's terminal, and is, for example, a smartphone, a tablet terminal, or a notebook computer, but the type thereof does not matter. The store terminal 3 is a store terminal, and is, for example, a smartphone, a tablet terminal, a notebook computer, or a cash register terminal, but the type thereof does not matter.

FIG. 2 is a block diagram of the information processing system A in this embodiment. FIG. 3 is a block diagram of the information processing device 1 that constitutes the information processing system A.

The information processing device 1 includes a storage section 11 , a reception section 12 , a processing section 13 , a transmission section 14 , and a reception section 15 .

The storage unit 11 includes a means information storage unit 111, a store information storage unit 112, and a user information storage unit 113.

The processing unit 13 includes a code generation unit 131 , a determination unit 132 , a means information acquisition unit 133 , a payment unit 134 , and another processing unit 135 .

The transmitter 14 includes a code transmitter 141 and a means information transmitter 142.

The receiving section 15 includes a means information receiving section 151.

The user terminal 2 includes a user storage section 21 , a user reception section 22 , a user processing section 23 , a user transmission section 24 , a user reception section 25 , and a user output section 26 .

The store terminal 3 includes a store storage section 31 , a store reception section 32 , a store processing section 33 , a store transmission section 34 , a store reception section 35 , and a store output section 36 .

A storage unit 11 that constitutes the information processing device 1 stores various types of information. The various types of information include, for example, means information, which will be described later, store information, which will be described later, and user information, which will be described later.

The means information storage section 111 stores two or more pieces of means information. The means information storage unit 111 usually stores two or more pieces of means information that correspond to or include a type identifier.

Means information is information regarding means. As described above, the means include, for example, a card, electronic money, virtual currency, QR code (registered trademark), and the like. Note that the QR code means a means of payment using a QR code. The means may be physically existing means or virtual means.

The card is usually used in commercial transactions, and includes, for example, a credit card, a point card, a debit card, a cash card, and a card that can provide benefits. The card is, for example, a physical card, but may also be a virtual card.

The type identifier is information indicating the type of card. The type identifier may be, for example, "credit card", "point card", "privilege card", "electronic money", "virtual currency", "QR code", etc., or "VISA (registered trademark)", "Ponta card", etc. (registered trademark),” “T Point Card (registered trademark),” “JAF (registered trademark),” etc. The means information may include, for example, a means image that is a pattern that specifies the means. The means image is, for example, a card image that is a pattern of a card.

The means information may include, for example, conditions for using the means. The usage condition of the means is, for example, a type identifier that specifies the types of means that cannot be used together. The usage conditions of the means are, for example, information regarding the store where it can be used, such as the store identifier that is the identifier of the store where it can be used, the store type information that shows the type of store where it can be used, the conditions of the payment amount that can be used (for example, "X yen or more), only one means corresponding to the same type identifier (same type of means) can be used, only one credit card can be used, only one payment method can be used, etc. That is, the means information storage unit 111 may store usage conditions that specify means that cannot be used simultaneously. In such a case, the usage condition is, for example, information on a set of two or more type identifiers.

Process specifying information that specifies the process to be performed by the payment unit 134 or other processing unit 135 may be stored in association with the type identifier included in the means information. The process specific information is, for example, a program, a function name, a method name, etc. The process specified by the process specifying information is a payment process or other process, which will be described later.

Note that the usage conditions of the means information storage section 111 may be referred to as means-specific usage conditions. Note that the usage conditions include usage conditions specific to such means and usage conditions for store settings, which will be described later.

The store information storage section 112 stores one or more store information. Store information is information regarding a store. The store information includes information specifying the types of means that can be used at the store. The store information includes a store identifier and one or more type identifiers. The store identifier is information that identifies a store, and is, for example, a store ID, a store name, etc. The type identifier is, for example, VISA, JCB, T point card, Ponta card, JAF card, etc. The store information includes, for example, a store identifier, one or more type identifiers, a store type identifier, location information, an address, and usage conditions. The conditions of use here are, for example, conditions regarding the use of two or more types of means. The type identifier included in the store information is information indicating the type of means available at the store. Usage conditions include, for example, ``a condition indicating that the means of type identifier A (e.g., a point-granting card) and the means of type identifier B (e.g., a discount card) cannot be used together'', ``the means of other processing is A condition that indicates that only one can be used. Note that the method of writing the conditions of use, the data structure, etc. do not matter. Note that the usage conditions of the store information storage section 112 may also be referred to as the usage conditions of store settings. Further, the store type identifier is information that identifies the type of store, such as information that identifies the type of business, information that identifies the level of scale, and the like.

The store information may include priority information indicating the priority regarding the use of two or more means. This priority information is priority information set by the store. The priority information may be associated with a type identifier. The priority information may be information indicating the priority among means of the same type, or may be information indicating the priority among all available means.

The user information storage unit 113 stores one or more payment method related identification information including a payment method identifier that identifies a payment method that has a payment function, and a benefit granting means identifier that identifies a benefit granting means that has a function other than payment. One or more pieces of user information having one or more pieces of privilege granting means-related identification information including one or more pieces of privilege granting means-related identification information and a user identifier that identifies the user is stored.

The user information storage unit 113 stores one or more pieces of user information. User information is information related to users. The user information includes information regarding the means available to the user. The means that the user can use may be referred to as the user's means, and does not need to be held at present, but may be an electronically managed card, electronic money, or the like. The user information includes a user identifier that identifies the user. The user identifier may be, for example, a user ID, name, telephone number, email address, etc., and any information that can identify the user may be used. The user information includes two or more means-related identification information. The means-related identification information is information regarding means. The means-related identification information is payment means-related identification information or benefit provision means-related identification information. The payment method related identification information has a method identifier that identifies the payment method. Among the payment means related identification information, information on means having a payment function is appropriately referred to as payment means related identification information. Among the means-related identification information, information on means having functions other than payment is appropriately referred to as benefit granting means-related identification information. Further, the means identifier included in the payment means related identification information is appropriately referred to as a payment means identifier. Further, the means identifier included in the privilege providing means related identification information is appropriately referred to as a privilege providing means identifier. The means identifier is, for example, a card number or an ID of the means. The payment method related identification information includes, for example, a payment method identifier, expiration date, security code, and type identifier. Further, the privilege granting means related identification information includes a privilege granting means identifier and a type identifier.

It is preferable that the user information is included in priority information indicating the priority of two or more means. This priority information is priority information set by the user. The priority information may be information given to each of a plurality of means of the same type, or may be information given to each means included in user information. Priority information does not need to be stored in association with all means identifiers.

The privilege provision means related identification information may include point information. Point information is information indicating points given to a user. Point information is usually a positive integer, but may also be information indicating rank. It is preferable that the priority information be associated with a means identifier (exist for each means), but it may also be associated with a user identifier (it may be one point for a user). .

The benefit provision means related identification information may include benefit information. The benefit information is information indicating a benefit given to the user. Privilege information is, for example, information on complimentary tickets, information on discount tickets, information that a bonus will be given, etc., and is information that contributes to the benefit of the user, and is broadly understood.

The reception unit 12 receives various instructions, information, and the like. The reception unit 12 receives, for example, a user identifier and a store identifier. The reception unit 12 receives, for example, a user identifier, a store identifier, and purchase information. Here, the reception unit 12 may receive the user identifier, store identifier, and purchase information together or separately. In other words, the timing at which each piece of information is received does not matter.

In addition, accepting information is, for example, receiving, but may also be accepting input, reading from a recording medium, acquiring information, etc. as long as information exists. If the acceptance is reception, the source that transmits the user identifier, store identifier, purchase information, etc. may be the store terminal 3, the user terminal 2, or another terminal. Further, for example, the reception unit 12 may receive the user identifier from the user terminal 2 and the store identifier from the store terminal 3. In other words, the source device that receives each piece of information does not matter.

Moreover, the purchase information includes the amount. Purchase information is typically information regarding products or services purchased by the user. Note that the amount of money is usually the amount of money for purchasing a product, service, or the like. The purchase information includes, for example, product information regarding purchased products. The product information includes, for example, a product identifier for identifying the product and a quantity.

The reception unit 12 may receive the store specific information and the user identifier from the user terminal 2, and may acquire the store identifier corresponding to the store specific information. Store specific information is information for specifying a store. The store specific information may be, for example, a store identifier, location information, an IP address, a beacon ID, or the like. The position information is position information indicating a position. The location information is, for example, (latitude, longitude). The location information is, for example, information indicating the location of the user terminal 2 or the store terminal 3, or information indicating the location of the store. In addition, when the store specific information and the store identifier are different, information on a pair of the store specific information and the store identifier is stored in the storage unit 11.

If the store specific information is location information, the reception unit 12 uses the received store specific information to acquire a store identifier. For example, the reception unit 12 acquires from the store information storage unit 112 a store identifier paired with the received store specifying information and position information indicating the closest position.

It is preferable that the reception unit 12 receives a user identifier and a store identifier corresponding to the code, which will be described later, after the code is transmitted to the user terminal 2. Note that the code is, for example, a QR code (registered trademark), a barcode, etc., but may also be a character string such as an ID.

The reception unit 12 may receive the user identifier and the store identifier from the store terminal 3, which is a store terminal. The reception unit 12 may receive the user identifier, store identifier, and purchase information from the store terminal 3.

The processing unit 13 performs various processes. The various processes are, for example, processes performed by the code generation section 131, the determination section 132, the means information acquisition section 133, the payment section 134, and the other processing section 135.

The code generation unit 131 generates a code corresponding to the user identifier and store identifier acquired by the reception unit 12. The user identifier and store identifier acquired by the reception unit 12 may be, for example, the user identifier and store identifier received by the reception unit 12, or the user identifier and store identification information received by the reception unit 12. It may also be a store identifier etc. acquired using Note that the code corresponding to the user identifier and store identifier is a code from which the user identifier and store identifier can be obtained. Further, the code may be a graphic code (for example, a QR code or barcode) in which a user identifier and a store identifier are embedded, or an ID (character string) corresponding to a combination of a user identifier and a store identifier. , a URL or link that allows access to the user identifier and store identifier.

The determining unit 132 selects the payment means-related identification information and the bonus granting means-related identification information stored in pairs with the user identifier received by the reception unit 12, and the store identifier received by the reception unit 12. Using the above type identifier, two or more means available to the user at the store are determined. Note that determining the means includes, for example, obtaining a means identifier, obtaining an ID of means information, obtaining a link to means information, etc., and may be any process that can identify the means.

More specifically, the determining unit 132 selects, for example, one or more pairs of a type identifier indicating a means having a payment function from means-related identification information stored in pairs with the user identifier received by the receiving unit 12. A payment method identifier is acquired from the user information storage unit 113. Further, the determining unit 132 determines, for example, one or more benefit granting means paired with a type identifier indicating a means having a function other than payment, from the means-related identification information stored in pairs with the user identifier received by the receiving unit 12. The identifier is acquired from the user information storage unit 113. Then, the determining unit 132 acquires, for example, one or more means identifiers that are paired with the store identifier accepted by the receiving unit 12 from among the acquired one or more payment means identifiers. Further, the determining unit 132 acquires, for example, one or more means identifiers that are paired with the store identifier received by the receiving unit 12 from among the acquired one or more privilege granting means identifiers.

The determining unit 132 determines two or more means using the user identifier and store identifier received by the receiving unit 12. An example of the process of using a user identifier and a store identifier to determine two or more means that the user identified by the user identifier can use at the store identified by the store identifier is as described above.

The determining unit 132 may determine one means using the user identifier and store identifier received by the receiving unit 12. An example of the process for determining one means is also similar to the process described above.

After determining two or more means that can be used at the store, the determining unit 132 determines the means according to the priority information if all of the two or more means cannot be used.

The determining unit 132 determines two or more means using, for example, a user identifier and a store identifier. If there are two or more means that indicate the same type identifier (for example, "payment", "point", etc.) among the determined means, the priority information included in the user information corresponds to the higher priority. Obtain the means identifier paired with the information.

Further, the determining unit 132 determines two or more means using, for example, the user identifier and the store identifier. If there are two or more means that indicate the same type identifier (for example, "payment", "point", etc.) among the determined means, the priority information included in the store information corresponds to the higher priority. Obtain the means identifier paired with the information. Note that when using the store's priority information, it is preferable that the user's priority information does not exist.

It is preferable that the determining unit 132 determines two or more means available at the store so as to meet the usage conditions.

For example, the determining unit 132 determines two or more means available at the store so as to match the usage conditions (usage conditions of store settings) corresponding to the store identifier received by the reception unit 12. Further, the determining unit 132 obtains, for example, the usage conditions of the means information storage unit 111, and determines two or more means that can be used at the store so as to match the usage conditions.

The means information acquisition unit 133 acquires means information corresponding to each of the two or more means determined by the determining unit 132. For example, the means information acquisition unit 133 acquires, from the user information storage unit 113, a type identifier paired with each of the two or more means identifiers acquired by the determining unit 132, and acquires means information corresponding to each of the two or more type identifiers. All or part of the information is acquired from the means information storage unit 111. It is preferable that all or part of the means information includes a means image. All or part of the means information includes, for example, a type identifier.

The means information acquisition unit 133 acquires means information corresponding to each of the two or more means determined by the determining unit 132. For example, the means information acquisition unit 133 acquires, from the user information storage unit 113, a type identifier paired with each of the two or more means identifiers acquired by the determining unit 132, and acquires means information corresponding to each of the two or more type identifiers. All or part of the information is acquired from the means information storage unit 111. It is preferable that all or part of the means information includes a means image. All or part of the means information includes, for example, a type identifier.

The means information acquisition unit 133 may acquire means information corresponding to each of the two or more means determined by the determining unit 132 only when a predetermined condition is satisfied. If the predetermined conditions are met, it is necessary to transmit the means information to the user terminal 2 and inquire of the user about the means to be used.

The predetermined condition is, for example, that a "flag indicating an inquiry" is stored in the user information storage unit 113 in association with the user identifier. The predetermined condition is, for example, that two or more means identifiers paired with a type identifier indicating that the payment method is a means for payment have been acquired. The predetermined condition is, for example, that two or more method identifiers paired with a type identifier indicating that the method is a payment method are obtained, and priority information associated with the user identifier of the user does not exist. That's true. The predetermined condition is, for example, that among the means identifiers of the determined means, there are two or more means identifiers that pair with the same type identifier. The predetermined condition is, for example, that among the means identifiers of the determined means, there are two or more means identifiers that are paired with the same type identifier, and the priority information associated with the user identifier is It doesn't exist.

The payment unit 134 obtains from the user information storage unit 113 a means identifier corresponding to the means used for payment among the two or more means determined by the determining unit 132, and uses the means identifier to cause the reception unit 12 to make an acceptance request. Performs payment processing, which is payment processing corresponding to the purchased purchase information. The payment unit 134 selects, for example, information indicating the type of means used for payment (for example, “payment” or “credit card”) among the type identifiers paired with the two or more means identifiers acquired by the determination unit 132. A certain type identifier is searched and one or more means identifiers paired with the type identifier are acquired. Here, for example, if the payment unit 134 is able to acquire two or more means identifiers, it selects the means identifier that is paired with the priority information indicating the highest priority. Then, the payment unit 134 uses the acquired means identifier to perform payment processing for the amount included in the purchase information received by the reception unit 12. Note that payment processing is processing for payment, such as sending payment information (e.g., means identifier and amount) to a payment server (not shown), and using a credit card number as a means identifier. This includes payment processing, etc. Since the payment process is a publicly known technique, detailed explanation will be omitted.

For example, the payment unit 134 obtains, from the user information storage unit 113, a means identifier corresponding to the means information of the means used for payment among the two or more means information received by the means information receiving unit 151, and stores the means identifier. to process payments.

The payment unit 134 uses the means identifier to perform payment processing, for example, on an amount obtained by subtracting a discount amount indicated by discount amount information, which will be described later, from an amount included in the purchase information. Note that the discount amount information is information acquired by the other processing unit 135. Further, the discount amount information may be information specifying the discount amount or information specifying the discount rate.

The other processing unit 135 performs other processing, which is processing corresponding to the means having functions other than payment, among the two or more means determined by the determination unit 132. Note that the other processing is processing other than the payment processing, and may be referred to as a benefit granting processing. The benefit granting process is a process that provides some kind of benefit to the user. The benefit granting process is, for example, a point addition process, which will be described later, a discount process, which will be described later, and another benefit acquisition process, which will be described later.

The other processing unit 135 performs other processing corresponding to the means information of the means having functions other than payment, among the two or more pieces of means information received by the means information receiving unit 151.

The other processing unit 135, for example, obtains a function or method paired with the type identifier corresponding to the means information from the means information storage unit 111, and performs other processing by executing the function or method.

Note that it is preferable that the other processing unit 135 performs other processing by giving the amount included in the purchase information to a function or method and executing the function or method. By doing so, the user can obtain benefits commensurate with the purchase amount.

The other processing unit 135 performs, for example, point addition processing corresponding to the means information of a means having a function other than payment among the two or more means information received by the means information receiving unit 151. The point addition process is a process for adding points. The point addition process is, for example, a process of acquiring points to be added using the amount of money included in the purchase information, adding the points to the points indicated by the point information, and acquiring and accumulating new point information. Point information is information included in user information. The point addition process is, for example, a process of transmitting information including an amount and a user identifier included in purchase information to a server (not shown) that manages points. Further, the point addition process is, for example, a process of acquiring points to be added using the amount included in the purchase information and transmitting information including the points and a user identifier to a server (not shown) that manages points. Note that the point addition process only needs to add points, and the content of the process does not matter.

The other processing unit 135 performs, for example, a discount process corresponding to the means information of a means having a function other than payment among the two or more means information received by the means information receiving unit 151. The discount process is a process of determining a discount amount and acquiring discount amount information indicating the discount amount. The algorithm used to determine the discount amount does not matter. The other processing unit 135 may determine the discount amount using, for example, an increasing function that uses the amount included in the purchase information as a parameter. The other processing unit 135, for example, refers to a correspondence table having two or more pieces of correspondence information, which is pair information of a price range and a discount amount, searches for a price range that matches the price included in the purchase information, and searches the corresponding price range. Obtain the discount amount that is paired with the amount range from the correspondence table. Note that the correspondence table is stored in the storage unit 11.

For example, the other processing unit 135 performs other benefit acquisition processing corresponding to the means information of a means having a function other than payment, among the two or more means information received by the means information receiving unit 151. The other benefit acquisition process is a process for giving some kind of benefit to the user. Other privilege acquisition processing includes, for example, processing for issuing a discounted electronic ticket that can be used for future shopping, processing for generating information for receiving bonus products, and the like. For example, the other processing unit 135 acquires bonus information in response to receiving purchase information, and stores the bonus information in association with a user identifier. It is preferable that the benefit information differs depending on the amount of money included in the purchase information. The benefit information is, for example, information for receiving discounted electronic tickets and bonus products that can be used for future shopping.

The transmitter 14 transmits various information or instructions. The destination of various information etc. is, for example, the user terminal 2, but may also be the store terminal 3. Various types of information are, for example, codes and means information.

The code transmitter 141 transmits the code generated by the code generator 131 to the user terminal 2. Note that the user terminal 2 to which the code is sent is the user terminal 2 that sent the user identifier and the like.

The means information transmitting unit 142 transmits the two or more pieces of means information acquired by the means information acquiring unit 133 to the user terminal 2. The user terminal 2 to which the means information is sent is the user terminal 2 that sent the user identifier and the like.

The means information transmitter 142 transmits to the user terminal 2 the two or more means information that is the two or more means information acquired by the means information acquisition section 133 and allows the type of means corresponding to each of the two or more means information to be grasped. .

For example, the means information transmitting unit 142 groups the two or more pieces of means information acquired by the means information acquiring unit 133 using the type identifier corresponding to the means information, and sends the two or more pieces of means information that have been divided into groups, Two or more pieces of means information are transmitted so that they are output to the user terminal 2 in a manner that allows the group to be identified. For example, the means information transmitting unit 142 sorts the two or more pieces of means information acquired by the means information acquiring unit 133 using the type identifier corresponding to the means information as a key, and transmits the sorted two or more pieces of means information to the user terminal. Send to 2.

The receiving unit 15 receives various information, instructions, and the like. The receiving unit 15 receives various information, instructions, etc. from the user terminal 2, for example. The receiving unit 15 receives various information, instructions, etc. from the store terminal 3, for example.

The means information receiving unit 151 receives two or more means information selected by the user of the user terminal 2. Note that such means information may be part of the means information. The means information received by the means information receiving section 151 and the means information transmitted by the means information transmitting section 142 may not be the same information. For example, the means information received by the means information receiving section 151 is a means image and a type identifier, and the means information transmitted by the means information transmitting section 142 may be only a type identifier. The means information receiving unit 151 only needs to receive information that allows identification of the means selected by the user.

A user storage unit 21 that constitutes the user terminal 2 stores various types of information. Various types of information include, for example, a user identifier, a code, and means information.

The user reception unit 22 receives various instructions, information, and the like. Various instructions, information, etc. are, for example, a start instruction. The start instruction is an instruction to start an operation. The start instruction is, for example, a double click to start an application. Acceptance here includes, for example, accepting information input from input devices such as keyboards, mice, and touch panels, receiving information transmitted via wired or wireless communication lines, and receiving information such as optical disks, magnetic disks, semiconductor memory, etc. This concept includes receiving information read from a recording medium. Furthermore, any means for inputting various instructions and information may be used, such as a touch panel, keyboard, mouse, or menu screen. The user reception unit 22 may be realized by a device driver for input means such as a touch panel or a keyboard, control software for a menu screen, or the like.

The user processing unit 23 performs various processes. The user processing unit 23 acquires store specifying information, which is information for specifying a store, for example. The user processing unit 23 acquires store specific information, which is location information, using a GPS receiver, for example. The user processing unit 23 receives store identification information, which is a store identifier, by, for example, wireless communication means. The method of acquiring store specific information does not matter.

The user processing unit 23 configures information to be transmitted, for example. Further, the user processing unit 23 configures the information to be output from the received information, for example.

The user transmitting unit 24 transmits the user identifier in the user storage unit 21 and the store specific information acquired by the user processing unit 23 to the information processing device 1.

The user transmitting unit 24 may transmit the user identifier in the user storage unit 21 , the store specific information acquired by the user processing unit 23 , and the purchase information received by the user receiving unit 22 to the information processing device 1 .

The user transmitting unit 24 may transmit the means information selected by the user (the meaning may be a part of the means information) to the information processing apparatus 1.

In response to the transmission of the user identifier and store specific information, the user receiving unit 25 receives a code corresponding to the user identifier and store specific information from the information processing device 1 . The user receiving unit 25 may receive payment completion information, which is information indicating that the payment has been completed, from the information processing device 1. The user receiving unit 25 may receive information regarding other processing from the information processing device 1. The information regarding other processing may be, for example, information on points awarded to the user or information on benefits granted to the user.

The user output section 26 outputs the code received by the user reception section 25. The user output unit 26 outputs, for example, payment completion information. The user output unit 26 outputs, for example, information regarding other processing.

Here, output usually refers to display on a display, but it also includes projection using a projector, printing with a printer, sound output, transmission to an external device, storage on a recording medium, other processing devices, etc. This concept includes passing processing results to other programs.

A store storage unit 31 that constitutes the store terminal 3 stores various types of information. The various types of information are, for example, store identifiers.

The store reception section 32 receives various information, instructions, and the like. Various information, instructions, etc. are, for example, codes corresponding to a user identifier and a store identifier. The various information, instructions, etc. are, for example, purchase information including price. Various information, instructions, etc. are, for example, transmission instructions. The transmission instruction is a process of transmitting a user identifier, a store identifier, and purchase information to the information processing device 1.

The store reception section 32 reads the code, for example. In such a case, the store reception section 32 is realized by a code reader. Further, the store reception section 32 may receive the code. The store reception unit 32 may receive the code from the user terminal 2 or the information processing device 1, for example. The store reception unit 32 may, for example, accept a code input by a store clerk or the like.

The store processing unit 33 performs various processes. The various processes are, for example, a process of acquiring a user identifier embedded in the code received by the store reception unit 32. The various processes are, for example, a process of acquiring, from a code received by the store reception unit 32, a user identifier and a store identifier embedded in the code. The various processes are, for example, processes that configure information to be transmitted using the acquired user identifier, the store identifier in the store storage section 31, and the received purchase information.

The store transmitter 34 transmits the user identifier, store identifier, and purchase information to the information processing device 1 . The store transmitting unit 34 transmits information, which is information configured by the store processing unit 33 and includes a user identifier, a store identifier, and purchase information, to the information processing device 1, for example.

The store reception unit 35 receives payment completion information indicating that the payment has been completed in response to the transmission from the store transmission unit 34. The transmission by the store transmitter 34 is the transmission of information including a user identifier, a store identifier, and purchase information. The store receiving unit 35 may also receive information regarding other processes, such as information on points added to the user and information on benefits given to the user.

The store output unit 36 outputs payment completion information. The payment completion information is information received by the store reception unit 35. The payment completion information may be information configured by the store processing section 33 to output from information received by the store receiving section 35. The store output unit 36 may output the information regarding other processes received by the store reception unit 35.

The storage unit 11, the means information storage unit 111, the store information storage unit 112, the user information storage unit 113, the user storage unit 21, and the store storage unit 31 are preferably non-volatile recording media; But it is possible.

The process by which information is stored in the storage unit 11 or the like does not matter. For example, information may be stored in the storage unit 11 or the like via a recording medium, or information transmitted via a communication line or the like may be stored in the storage unit 11 or the like. Alternatively, information input via an input device may be stored in the storage unit 11 or the like.

The reception unit 12 is realized by, for example, wireless or wired communication means. The reception unit 12 may be configured with, for example, means for reading information or means for accepting input.

The processing unit 13, code generation unit 131, determination unit 132, means information acquisition unit 133, payment unit 134, other processing unit 135, user processing unit 23, and store processing unit 33 can usually be realized by an MPU, memory, etc. . The processing procedures of the processing unit 13 and the like are usually realized by software, and the software is recorded on a recording medium such as a ROM. However, it may be realized by hardware (dedicated circuit).

The transmitter 14, the code transmitter 141, the means information transmitter 142, the user transmitter 24, and the store transmitter 34 are usually realized by wireless or wired communication means, but may also be realized by broadcast means.

The receiving unit 15, the means information receiving unit 151, the user receiving unit 25, and the store receiving unit 35 are usually realized by wireless or wired communication means, but may also be realized by means for receiving broadcasts.
teeth,

The user reception unit 22 and the store reception unit 32 may be configured with input reception means, for example. The user reception section 22 and the store reception section 32 may be realized by, for example, wireless or wired communication means.

The user output section 26 and the store output section 36 may or may not include output devices such as a display and a speaker. The user output unit 26 and the like can be realized by output device driver software, output device driver software and the output device, or the like.

Next, the operation of the information processing system A will be explained. First, an example of the operation of the information processing device 1 will be described using the flowchart of FIG. 4.

(Step S401) The reception unit 12 determines whether or not the user identifier and store specific information have been received. If the user identifier and store specific information are received, the process goes to step S402, and if the user identifier and store specific information are not received, the process returns to step S401. Note that the device that has transmitted the user identifier and store specific information is usually the user terminal 2, but it may also be the store terminal 3.

(Step S402) The code generation unit 131 acquires a store identifier corresponding to the store specific information accepted in step S401. Here, for example, the code generation unit 131 acquires from the store information storage unit 112 a store identifier that is paired with location information indicating the closest location to the store specifying information, which is location information. Further, for example, the code generation unit 131 acquires a store identifier that is store specific information.

(Step S403) The code generation unit 131 acquires the user identifier accepted in step S401. Then, the code generation unit 131 generates a code corresponding to the user identifier and the store identifier acquired in step S402. The code corresponding to the user identifier and the store identifier is, for example, a graphic code (for example, a QR code or a barcode) in which the user identifier and the store identifier are embedded.

(Step S404) The code transmitter 141 transmits the code generated in step S403. Note that the destination is usually the user terminal 2, but it may also be the store terminal 3. If the device that sent the user identifier and store specific information is different from the device to which the code is sent, the code transmitter 141 acquires the store destination information that is paired with the store identifier corresponding to the store specific information. , or obtain user destination information paired with the user identifier from the user information storage unit 113. Note that the store destination information may be, for example, an IP address, an e-mail address, a telephone number, etc., and any information that specifies the destination of information transmission may be used. The user destination information may be, for example, an e-mail address, a telephone number, etc., and may be any information that specifies the destination of information transmission.

(Step S405) The reception unit 12 determines whether purchase information or the like has been received in response to the transmission of the code in step S404. If purchase information, etc. has been received, the process goes to step S406, and if purchase information, etc. has not been received, the process returns to step S405. Note that the purchase information and the like are, for example, purchase information, a user identifier, and a store identifier.

(Step S406) The determining unit 132 acquires the user identifier and store identifier received in step S405.

(Step S407) The determining unit 132 performs a process of determining the means to be used for payment and other processing using the user identifier and store identifier acquired in step S406. This method determination process will be explained using the flowchart of FIG.

(Step S408) The means information acquisition unit 133 determines whether to inquire about the means to be used. If the inquiry is to be made, the process goes to step S409; if the inquiry is not to be made, the process goes to step S412. Note that the means information acquisition unit 133 determines to inquire about the means to be used when a predetermined condition is satisfied, for example. For example, if a "flag indicating to inquire" is stored in the user information storage unit 113 in association with the user identifier, the means information acquisition unit 133 determines to inquire about the means to be used. Further, for example, if there are two or more means identifiers that are paired with the type identifier that is the means identifier acquired in step S407 and indicates that it is a means for payment, the means information acquisition unit 133 selects the means to be used. I decide to inquire. Further, for example, if there are two or more means identifiers that are paired with the type identifier that is the means identifier acquired in step S407 and indicates that it is a payment means, and the means identified by such means identifiers, the user If priority information associated with the identifier does not exist, the means information acquisition unit 133 determines to inquire about the means to be used. Further, for example, if there are two or more means identifiers that are the means identifier acquired in step S407 and pair with the same type identifier, the means information acquisition unit 133 determines to inquire about the means to be used. For example, the means identifier acquired in step S407, where there are two or more means identifiers paired with the same type identifier, and the means identified by such means identifier, the user identifier If the associated priority information does not exist, the means information acquisition unit 133 determines to inquire about the means to be used. Note that the method to be used may always be inquired.

(Step S409) The means information acquisition unit 133 acquires two or more pieces of means information corresponding to each of the two or more means identifiers acquired in step S407 from the means information storage unit 111. Note that the means information is, for example, only the means image, or the means image and the type identifier. Further, the means information acquired here may be part of the stored means information. Even some data can be called instrumental information.

(Step S410) The means information transmitting unit 142 transmits the two or more pieces of means information acquired in step S409 to the user terminal 2. Note that this user terminal 2 is the user terminal 2 of the user identified by the user identifier of interest.

(Step S411) The means information receiving unit 151 receives one or more means information. Note that the means information received here does not have to be the same as the means information transmitted in step S410. The received means information may be part of the means information transmitted in step S410 (for example, a type identifier), or may be information that specifies the means information transmitted in step S410 (for example, an ID). . In other words, the means information received here may be any information as long as it can identify the means selected by the user.

(Step S412) The payment unit 134 acquires the means identifier of the payment means among the means corresponding to the means information received in step S411 or the means determined in step S407. For example, the payment unit 134 determines whether the type identifier of the means identifier corresponding to the means information received in step S411 or the means identifier of the means determined in step S407 is, for example, a means corresponding to "payment means". Get the instrument identifier of.

(Step S413) The payment unit 134 acquires the purchase information received in step S405.

(Step S414) The other processing unit 135 assigns 1 to the counter i.

(Step S415) The other processing unit 135 determines that the means identifier of the i-th other processing means is among the means identifiers corresponding to the means information received in step S411 or the means identifiers of the means determined in step S407. Determine whether it exists or not. If the means identifier of the i-th other processing means exists, the process goes to step S416, and if it does not exist, the process goes to step S421.

(Step S416) The other processing unit 135 acquires the means identifier of the i-th other processing means.

(Step S417) The other processing unit 135 determines whether the means identified by the means identifier acquired in step S416 is a means related to payment. If the means is related to payment, the process goes to step S418, and if the method is not related to payment, the process goes to step S419. Note that the other processing unit 135, for example, acquires a type identifier paired with the means identifier acquired in step S416, and matches the type identifier to one or more payment-related type identifiers stored in the storage unit 11 (for example, “ It is determined whether or not the method is related to payment based on whether the method matches the terms of "discount" or "discount".

(Step S418) The other processing unit 135 acquires payment information, which is information corresponding to the means identifier of the i-th other processing means. For example, the other processing unit 135 acquires a type identifier paired with the means identifier of the i-th other processing means, and acquires information for payment paired with the type identifier (for example, discount rate, discount amount calculation information, etc.). function name, method name, etc.) from the means information storage unit 111.

(Step S419) The other processing unit 135 performs other processing using the means identifier of the i-th other processing means.

(Step S420) The other processing unit 135 increments the counter i by 1. Return to step S415.

(Step S421) The payment unit 134 performs payment processing using the amount included in the purchase information and the means identifier of the means for payment. Note that the payment unit 134 calculates the amount to be actually paid using the information for payment (for example, discount rate, discount amount, etc.) acquired in step S418 and the amount included in the purchase information, and calculates the amount to be actually paid. It is preferable to perform payment processing using .

(Step S422) The processing unit 13 acquires payment completion information, etc., including payment completion information that is information indicating that payment has been completed. Note that the payment completion information and the like may be only payment completion information, or may be information including payment completion information and other processing result information indicating the results of other processing performed by the other processing unit 135. Other processing result information includes, for example, information indicating added points, information indicating a discount rate, information indicating a discount amount, information specifying an added benefit, and the like.

(Step S423) The transmitter 14 transmits the payment completion information etc. acquired in step S422. Note that it is preferable that the destination of the payment completion information, etc. is the device (store terminal 3 or user terminal 2) that transmitted the purchase information, etc. received in step S405; The purchase information and the like received in step S405 may be sent to a different device from the one that sent the purchase information (store terminal 3 or user terminal 2). Note that the different devices are the user terminal 2 when the device that has transmitted the purchase information, etc. is the store terminal 3, and the different device is the store terminal 3, when the device that has transmitted the purchase information, etc. is the user terminal 2.

Note that in the flowchart of FIG. 4, the process is ended by turning off the power or by an interrupt to end the process.

Next, an example of the means determination process in step S406 will be explained using the flowchart of FIG.

(Step S501) The determining unit 132 acquires two or more sets of a means identifier paired with the acquired user identifier and a type identifier paired with the means identifier from the user information storage unit 113 or the like, and stores them in a buffer (not shown). accumulate at least temporarily.

(Step S502) The determining unit 132 assigns 1 to the counter i.

(Step S503) The determining unit 132 determines whether an i-th pair exists among the means identifier and type identifier pairs acquired in step S501. If the i-th group exists, the process goes to step S504; if the i-th group does not exist, the process goes to step S507.

(Step S504) The determining unit 132 determines whether the type of means specified by the type identifier in the i-th set can be used at the store. If it is usable, the process goes to step S506, and if it is not usable, the process goes to step S505. Note that the determining unit 132 uses information in the store information storage unit 112 to determine, for example, whether the type identifier in the i-th group is a pair with the acquired store identifier.

(Step S505) The determining unit 132 deletes the i-th set of information from the buffer from the set of information acquired in step S501.

(Step S506) The determining unit 132 increments the counter i by 1. Return to step S503.

(Step S507) The determining unit 132 examines the type identifier in the buffer and determines whether there are multiple payment methods. If there are more than one, go to step S508; if there are no more than one, go to step S511.

(Step S508) The determining unit 132 is a means of the user and has priority information corresponding to the payment method of interest, or a means of the store and there is priority information corresponding to the payment method of interest. Determine whether or not. If any one or more priority information exists, the process goes to step S509, and if none of the priority information exists, the process goes to step S510. Note that the determining unit 132 determines, for example, whether or not priority information is stored in association with the acquired user identifier and the means identifier of the user's payment means. Further, the determining unit 132 determines whether or not priority information is stored in association with, for example, the acquired store identifier and the type identifier paired with the method identifier of the user's payment method. do. Note that when both the user's priority information and the store's priority information exist, it is preferable that the payment method is determined according to the user's priority information.

(Step S509) The determining unit 132 determines the means according to the priority information, and acquires the means identifier of the means. For example, the determining unit 132 acquires, from the user information storage unit 113, priority information associated with the acquired user identifier and the identifier of at least one of two or more payment methods of the user, and The method identifier corresponding to the highest priority indicated by the priority information is acquired. In addition, priority information corresponding to two or more payment methods of the user does not exist in the user information storage unit 113, and the priority information corresponding to the acquired store identifier and the type identifier of the payment method of interest If the priority information is stored in the store information storage unit 112, the type identifier with the highest priority indicated by the priority information is determined, and the means identifier paired with the type identifier is acquired.

(Step S510) The determining unit 132 acquires one means identifier from two or more means identifiers of the payment means in the buffer. Here, the method by which the determining unit 132 selects one means identifier does not matter. The determining unit 132 may randomly obtain one method identifier from the method identifiers of the plurality of payment methods in the buffer, or may obtain one method identifier existing in the storage area with the smallest address in the buffer. It may be equal.

(Step S511) The determining unit 132 assigns 1 to the counter j.

(Step S512) The determining unit 132 determines whether the j-th usage condition exists. If the j-th usage condition exists, the process advances to step S513; if the j-th usage condition does not exist, the process returns to the upper level process. Note that the usage conditions may be store-set usage conditions or means-specific usage conditions.

The determining unit 132 acquires, for example, the usage conditions that are paired with the acquired store identifier and are stored in the store information storage unit 112. Further, the determining unit 132 acquires, from the means information storage unit 111, for example, a type identifier that is paired with one or more acquired means identifiers and a usage condition that is paired with the type identifier. Further, the determining unit 132 acquires, from the means information storage unit 111, usage conditions related to the type of means, for example, corresponding to a type identifier that is paired with one or more acquired means identifiers. Then, from all the acquired usage conditions, it is determined whether or not the j-th usage condition exists.

(Step S513) The determining unit 132 determines whether or not there is a set that does not match the j-th use condition among the acquired sets of means identifier and type identifier, which are information in the buffer. If there is a set that does not match the j-th use condition, the process goes to step S514, and if there is no set that does not match the j-th use condition, the process goes to step S516. Note that if the j-th usage condition is not met, it is assumed here that the means cannot be used.

(Step S514) The determining unit 132 acquires the type identifier or the means identifier of the means that does not match the j-th usage condition.

(Step S515) The determining unit 132 deletes the type identifier or means identifier set acquired in step S514 from the buffer.

(Step S516) The determining unit 132 increments the counter j by 1. Return to step S512.

Next, an example of the operation of the user terminal 2 will be described using the flowchart of FIG. 6.

(Step S601) The user reception unit 22 determines whether a start instruction has been received. If the start instruction is accepted, the process goes to step S602, and if the start instruction is not accepted, the process returns to step S601.

(Step S602) The user processing unit 23 acquires the user identifier from the user storage unit 21.

(Step S603) The user processing unit 23 acquires store specific information.

(Step S604) The user processing unit 23 configures information to be transmitted using the user identifier acquired in step S602 and the store specific information acquired in step S603. The user transmitter 24 transmits the configured information to the information processing device 1.

(Step S605) The user receiving unit 25 determines whether or not the code has been received from the information processing device 1. If the code is received, the process goes to step S606; if the code is not received, the process returns to step S605.

(Step S606) The user output unit 26 outputs the code received in step S605.

(Step S607) The user receiving unit 25 determines whether payment completion information and the like have been received from the information processing device 1. If payment completion information, etc. is received, the process goes to step S608, and if payment completion information, etc. is not received, the process returns to step S607.

(Step S608) The user output unit 26 outputs the payment completion information etc. received in step S607. Finish the process.

In addition, in the flowchart of FIG. 6, the user terminal 2 may receive one or more means information from the information processing apparatus 1 and output it. Then, the user terminal 2 may accept the user's selection of means information and transmit information regarding the selected means information to the information processing device 1. In such a case, the means for information regarding the selected means information is the means used.

Next, an example of the operation of the store terminal 3 will be explained using the flowchart of FIG.

(Step S701) The store reception unit 32 determines whether or not the code has been accepted. If the code is accepted, the process goes to step S702; if the code is not accepted, the process returns to step S701.

(Step S702) The store processing unit 33 acquires a user identifier from the code received in step S701.

(Step S703) The store processing unit 33 acquires a store identifier. The store processing unit 33 acquires the store identifier from the code received in step S701, for example. The store processing unit 33 acquires a store identifier from the store storage unit 31, for example.

(Step S704) The store reception unit 32 determines whether or not purchase information has been received. If the purchase information is accepted, the process goes to step S705, and if the purchase information is not accepted, the process returns to step S704.

(Step S705) The store processing unit 33 configures information to be transmitted using the user identifier acquired in step S702, the store identifier acquired in step S703, and the purchase information received in step S704.

(Step S706) The store transmitting unit 34 transmits the information configured in step S705 to the information processing device 1.

(Step S707) The store reception unit 35 determines whether payment completion information and the like have been received from the information processing device 1. If payment completion information, etc. is received, the process goes to step S708, and if payment completion information, etc. is not received, the process returns to step S707.

(Step S708) The store output unit 36 outputs the payment completion information etc. received in step S707. Return to step S701.

Note that in the flowchart of FIG. 7, the process is ended by turning off the power or by an interrupt to end the process.

The specific operation of the information processing system A in this embodiment will be described below. A conceptual diagram of the information processing system A is shown in FIG.

Currently, the means information management table shown in FIG. 8 is stored in the means information storage unit 111. The means information management table stores two or more records having "ID" and "means information." The "means information" includes a "type identifier," "means image," and "conditions of use." "ID" is information that identifies a record. The "type identifier" includes a "higher type identifier," a "middle type identifier," and a "lower type identifier." "Superordinate type identifier" is a type identifier of the highest level concept. The "intermediate type identifier" is a type identifier of an intermediate concept. “Lower type identifier” This is a type identifier of a lower level concept, and is information indicating a specific type such as a card name. Note that empty attribute values are indicated by "-". Moreover, the usage conditions here are the usage conditions that the means has. The usage condition "1000 yen or more" means that the purchase price is 1000 yen or more.

Further, the store information storage unit 112 stores a store information management table shown in FIG. The store information management table stores two or more records having "ID" and "store information." "Store information" includes "store identifier," "location information," "type identifier," "conditions of use," and "priority information." Note that the "type identifier" here is the "lower type identifier" in the means information management table. In addition, the "priority information" here indicates the priority between the means set by the store, and "VISE>JCV" indicates that the means "VISE" is used with priority over the means "JCV". .

Furthermore, the user information storage unit 113 stores a user information management table shown in FIG. The user information management table stores two or more records having "ID" and "user information." The "user information" includes a "user identifier," "name," "means-related identification information," "type identifier," and "priority information." The "means-related identification information" here is a means identifier. The means identifier here is a card identifier or the like. In addition, the "priority information" here indicates the priority for use among the means set by the user, and "M1>VISE>JCV" means "M1", "VISE", "JCV" as the payment method. Indicates that priority is given in this order.

In this situation, the following specific example will be explained.

It is now assumed that the user "Ako Yamada" is visiting a certain store (the store with the store identifier "S01") and is about to purchase a product.

It is assumed that Ako Yamada starts the payment application on her user terminal 2. Then, the user reception unit 22 of Ako Yamada's user terminal 2 receives the start instruction. Next, the user processing unit 23 reads the user identifier “U01” from the user storage unit 21.

Next, the user processing unit 23 of the user terminal 2 acquires store specific information (x _a , y _a ), which is position information, using the GPS receiver. Note that here, the user processing unit 23 may receive the store identifier "S01" from a terminal, beacon, hot spot, etc. in the store. Here, the user processing unit 23 only needs to be able to acquire store specific information.

Next, the user processing unit 23 uses the user identifier "U01" and the store specific information (x _a , y _a ) to configure information "U01, store specific information (x _a , y _a )" to be transmitted. . The user transmitting unit 24 transmits the information “U01, store specific information (x _a , y _a )” to the information processing device 1 .

Next, the receiving unit 12 of the information processing device 1 receives the information "U01, store specific information (x _a , y _a )" including the user identifier and the store specific information.

Next, the code generation unit 131 calculates the distance between the received store specific information (x _a , y _a ) and the position information of each record in the store information management table shown in FIG. Determine information (x ₁ , y ₁ ). Next, the code generation unit 131 obtains the store identifier "S01" that is paired with the location information (x ₁ , y ₁ ) from the store information management table. Then, the code generation unit 131 generates a code (here, for example, a QR code) in which the user identifier "U01" and the store identifier "S01" are embedded.

Next, the code transmitter 141 transmits the generated code to Ako Yamada's user terminal 2.

Next, the user receiving unit 25 of Ako Yamada's user terminal 2 receives the code from the information processing device 1 . Then, the user output section 26 outputs the code received by the user reception section 25. An example of such an output is shown in FIG.

Next, the store reception section 32 of the store terminal 3 reads the code displayed on Ako Yamada's user terminal 2. In such a case, the store reception section 32 is realized by a code reader, for example. Note that the code or the user identifier and store identifier corresponding to the code may be transmitted from Ako Yamada's user terminal 2 to the store terminal 3, and the store terminal 3 may receive the code.

Next, the store processing unit 33 acquires the user identifier "U01" from the read code. The store processing unit 33 also acquires the store identifier "S01" from the read code.

Next, it is assumed that the store clerk inputs the purchase information "Product name: AAA, Product identifier: G01, Quantity: 1, Price: 3800 yen" into the store terminal 3. Note that this input may be performed manually or by reading a code (for example, a barcode) attached to the product, and any means of input may be used.

Next, assume that the user presses the send button 1201 in FIG. 12. Then, the store reception unit 32 of the store terminal 3 receives purchase information "Product name: AAA, Product identifier: G01, Quantity: 1, Price: 3800 yen".

Next, the store processing unit 33 uses the user identifier "U01", the store identifier "S01", and the purchase information to send the information "user identifier: U01, store identifier: S01, product name: AAA, product identifier: G01, quantity: 1, price: 3800 yen". Next, the store transmitter 34 transmits the configured information to the information processing device 1.

Next, in response to the transmission of the code, the reception unit 12 of the information processing device 1 transmits information including purchase information such as "User identifier: U01, Store identifier: S01, Product name: AAA, Product identifier: G01, Quantity: 1, Price: 3,800 yen".

Next, the determining unit 132 acquires the received user identifier "U01", store identifier "S01", and purchase information "Product name: AAA, Product identifier: G01, Quantity: 1, Price: 3800 yen". Then, the determining unit 132 uses the acquired information to perform a process of determining the means to be used for payment and other processing, as described below.

That is, the determining unit 132 first selects a set of a means identifier paired with the user identifier "U01" and a type identifier paired with the means identifier ("1234567811112345, VISE", "5555123487601111, JCV", "1234567895, M1", "212121396000123, Ponte Card" "311130000771, JAV Card") is obtained from the table in FIG.

Next, the determining unit 132 refers to the table in FIG. 9 and selects the type identifiers "VISE", "JCV", and "Ponte Card" that are paired with the store identifier "S01" among the type identifiers in the acquired set. ” and “JAV card”. Note that the determining unit 132 may delete "1234567895, M1" from the acquired set of means identifier and type identifier.

Next, the determining unit 132 inspects the five acquired type identifiers, refers to the table in FIG. The upper type identifier ``point addition means'' corresponding to ``payment means'', ``ponte card'', and the upper type identifier ``point addition means'' corresponding to ``JAV card'' are obtained from the table in FIG. Then, the determining unit 132 determines that there are multiple payment methods.

Next, the determining unit 132 determines that priority information paired with the user identifier "U01" and the type identifiers "VISE" and "JCV" exists. Then, the determining unit 132 reads priority information "M1>VISE>JCV" that is paired with the user identifier "U01" and the type identifiers "VISE" and "JCV".

Next, the determining unit 132 selects the means identifier "VISE" with the highest priority indicated by the priority information among the acquired type identifiers "VISE" and "JCV" according to the priority information "M1>VISE>JCV". get. That is, the determining unit 132 determines "VISE" as the payment method. Note that here, the determining unit 132 determines that the usage condition paired with "VISE" does not exist in the tables of FIGS. 8 and 9, and does not perform processing regarding the usage condition.

Next, the determining unit 132 determines that among the acquired type identifiers "VISE", "JCV", "Ponte Card", and "JAV Card", "Ponte Card" and "JAV Card" are means other than payment methods. , determine whether the usage conditions are met. Here, regarding the "JAV card", since the amount of money "3,800 yen" included in the purchase information does not satisfy the usage condition "5,000 yen or more" paired with the store identifier "S01", the determining unit 132 determines that "JAV card" does not meet the usage conditions.

Then, the determining unit 132 deletes "JAV card" from the acquired type identifier. As a result, only ``Ponte Card'' remains as a means other than payment.

Next, it is assumed that the means information acquisition unit 133 determines to inquire about the means to be used. Here, it is assumed that when two or more means are acquired, the means information acquisition unit 133 determines to inquire about the means to be used.

Next, the means information acquisition unit 133 acquires means information corresponding to the acquired means identifiers "VISE" and "Ponte Card" from the means information management table shown in FIG. Here, it is assumed that the acquired means information is a means image and a type identifier (upper type identifier, middle type identifier, lower type identifier).

Next, the means information transmitting unit 142 transmits the acquired two pieces of means information to Ako Yamada's user terminal 2.

Next, the user receiving unit 25 receives two pieces of means information. Then, the user output unit 26 outputs two means information. An example of such output is shown in FIG. In FIG. 13, it is assumed that Ako Yamada checked the check boxes 1301 and 1302 for two means (cards) and pressed the send button 1303.

Next, the user processing unit 23 acquires the checked means information (here, only the lower type identifier) "VISE, Ponte Card" in response to the user's operation. Then, the user transmitting unit 24 transmits the means information “VISE, Ponte Card” to the information processing device 1.

Next, the means information receiving unit 151 receives two pieces of means information “VISE, Ponte Card” from the user terminal 2.

Next, the payment unit 134 obtains the means identifier "1234567811112345" of the payment means corresponding to the received means information "VISE".

Next, the payment unit 134 acquires the received purchase information "Product name: AAA, Product identifier: G01, Quantity: 1, Price: 3800 yen".

Next, the other processing unit 135 acquires the means identifier "212121396000123" which is a means identifier paired with the user identifier "U01" and corresponds to the means of other processing "Ponte Card".

Next, the other processing unit 135 determines that the means "Ponte Card" identified by the acquired means identifier is not a means related to payment. Note that it is assumed that the other processing unit 135 has a program for making such a determination. Further, the other processing unit 135 obtains the upper type identifier "point addition means" that is paired with "Ponte Card" from the table in FIG. You may decide that it is not a related method.

Next, the other processing unit 135 performs point addition processing using the means identifier "212121396000123" of the other processing means "Ponte Card". That is, the other processing unit 135 calculates the points to be added by substituting, for example, the amount "3,800 yen" included in the purchase information into the point addition calculation formula "points to be added=f (amount)". It is assumed that the arithmetic expression f is an increasing function using the amount of money as a parameter, and is stored in the storage unit 11.

Next, the other processing unit 135 transmits information including the means identifier "212121396000123" and the points to be added to a point management server (not shown). It is assumed that the point addition is completed by such processing.

Next, the payment unit 134 performs payment processing using the amount "3,800 yen" included in the purchase information and the means identifier "1234567811112345" of the means for payment. Note that the content of the payment process does not matter as described above.

Through the above process, when purchasing a product, the user can appropriately and easily use a plurality of means, such as a card that he or she owns, that can be used at the store where the product is purchased.

As described above, according to the present embodiment, it is possible to automatically determine which means can be used by the user and which can be used at the store, and can easily use two or more appropriate payment methods.

Further, according to the present embodiment, two or more suitable means can be easily used while ensuring security.

Further, according to the present embodiment, two or more means selected by the user from available means can be easily used.

Further, in the present embodiment, two or more means information acquired by the means information acquisition unit 133 and capable of grasping the type of means corresponding to each of the two or more means information are transmitted to the user terminal 2. However, by allowing the user to select, it becomes easier for the user to select two or more methods.

Furthermore, according to the present embodiment, it is possible to automatically determine which means can be used by the user and which can be used at the store, and to provide benefits to the user.

Note that the processing in this embodiment may be realized by software. Then, this software may be distributed by software download or the like. Furthermore, this software may be recorded on a recording medium such as a CD-ROM and distributed. Note that this also applies to other embodiments in this specification. Note that the software that implements the information processing device 1 in this embodiment is the following program. In other words, this program includes, for example, one or more payment method-related identification information including a payment method identifier that identifies a payment method that has a payment function, and a benefit granting means that identifies a benefit granting means that has a function other than payment. a user information storage unit storing one or more user information having one or more privilege granting means related identification information including an identifier and a user identifier for identifying a user; a store identifier for identifying a store; A computer capable of accessing a store information storage unit storing one or more store information having one or more method identifiers indicating available payment methods and reward granting means, is connected to a user identifier and a store. a reception unit that accepts purchase information including an identifier and an amount; payment method-related identification information and benefit granting unit-related identification information stored in pairs with the user identifier received by the reception unit; and stores accepted by the reception unit. a determining unit that uses the identifier and one or more type identifiers stored in pairs to determine two or more means available to the user identified by the user identifier at the store identified by the store identifier; and obtains a payment method identifier corresponding to the payment method from the user information storage section out of the two or more methods determined by the determination section, and uses the payment method identifier to process the payment corresponding to the purchase information. This is a program for functioning as a payment unit that performs a payment process, and an other processing unit that performs another process that is a process corresponding to a benefit granting unit among the two or more means determined by the determination unit.

Further, FIG. 14 shows the external appearance of a computer that executes the programs described in this specification and realizes the information processing apparatuses and the like of the various embodiments described above. The embodiments described above may be implemented in computer hardware and computer programs executed thereon. FIG. 14 is an overview diagram of this computer system 300, and FIG. 15 is a block diagram of the system 300.

In FIG. 14, computer system 300 includes a computer 301 including a CD-ROM drive, a keyboard 302, a mouse 303, and a monitor 304.

In FIG. 15, the computer 301 includes, in addition to a CD-ROM drive 3012, an MPU 3013, a bus 3014 connected to the CD-ROM drive 3012, a ROM 3015 for storing programs such as a boot-up program, and an MPU 3013. It is connected and includes a RAM 3016 for temporarily storing application program instructions and providing temporary storage space, and a hard disk 3017 for storing application programs, system programs, and data. Although not shown here, the computer 301 may further include a network card that provides connection to a LAN.

A program that causes the computer system 300 to execute the functions of the information processing device 1 and the like of the embodiment described above may be stored in the CD-ROM 3101, inserted into the CD-ROM drive 3012, and further transferred to the hard disk 3017. . Alternatively, the program may be transmitted to the computer 301 via a network (not shown) and stored on the hard disk 3017. The program is loaded into RAM 3016 during execution. The program may be loaded directly from CD-ROM 3101 or the network.

The program does not necessarily include an operating system (OS) or a third party program that causes the computer 301 to execute the functions of the information processing apparatus 1 of the above-described embodiment. The program need only contain those parts of the instructions that call the appropriate functions (modules) in a controlled manner to achieve the desired results. How computer system 300 operates is well known and will not be described in detail.

Further, the number of computers that execute the above program may be one or more. That is, centralized processing or distributed processing may be performed.

Furthermore, in each of the above embodiments, it goes without saying that two or more communication means existing in one device may be physically realized by one medium.

Further, in each of the embodiments described above, each process may be realized by being centrally processed by a single device, or may be realized by being distributedly processed by a plurality of devices.

It goes without saying that the present invention is not limited to the above-described embodiments, and that various modifications can be made, and these are also included within the scope of the present invention.

As described above, the information processing device according to the present invention has the effect of automatically determining the means that can be used by the user and that can be used at the store, and allowing the user to easily use an appropriate means such as a payment method. , useful as a payment server, etc.

1 Information processing device 2 User terminal 3 Store terminal 11 Storage unit 12 Reception unit 13 Processing unit 14 Transmission unit 15 Receiving unit 21 User storage unit 22 User reception unit 23 User processing unit 24 User transmission unit 25 User reception unit 26 User output unit 31 Store storage section 32 Store reception section 33 Store processing section 34 Store transmission section 35 Store reception section 36 Store output section 111 Means information storage section 112 Store information storage section 113 User information storage section 131 Code generation section 132 Determination section 133 Means information acquisition section 134 Payment section 135 Other processing section 141 Code transmission section 142 Means information transmission section 151 Means information reception section

Claims (1)

One or more payment method-related identification information including a payment method identifier that identifies a payment method that has a payment function, and one or more payment method-related identification information that includes a benefit granting method identifier that identifies a benefit granting means that has a function other than payment. a user information storage unit in which one or more pieces of user information having privilege granting means related identification information and a user identifier for identifying the user are stored;
a store information storage section in which one or more store information having a store identifier that identifies a store and one or more method identifiers that indicate a payment method and a benefit granting method that can be used at the store;
a reception unit that receives purchase information including a user identifier, a store identifier, and an amount;
payment means-related identification information and benefit provision means-related identification information stored in pairs with the user identifier received by the reception section; and one or more types stored in pairs with the store identifier received by the reception section. a determining unit that uses the identifier to determine two or more means that the user identified by the user identifier can use at the store identified by the store identifier;
A payment method identifier corresponding to a payment method among the two or more methods determined by the determining section is obtained from the user information storage section, and the payment method corresponding to the purchase information is processed using the payment method identifier. A payment department that processes payments;
An information processing device comprising: an other processing unit that performs other processing that is a process corresponding to the privilege granting means among the two or more means determined by the determination unit.

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