JP7057523B2 - Payment support system, payment support device, payment support method, and program - Google Patents

Description

The present invention relates to a payment support system, a payment support device, a payment support method, and a program.

Conventionally, in a restaurant or the like, when a plurality of users eat and drink, each user pays the total billed amount divided by the number of users, so-called split bill settlement. Patent Document 1 discloses a system in which each of a plurality of users makes a split bill settlement using a credit card.

Japanese Unexamined Patent Publication No. 2016-151785

By the way, in recent years, a payment system using a two-dimensional code (QR code (registered trademark)) has been proposed. For example, the user terminal (for example, a mobile terminal) reads the two-dimensional code displayed on the store terminal, acquires the store ID and the billing amount of the product included in the two-dimensional code, and obtains the store ID and the billing amount. The payment process is completed based on the payment request including the user ID. There is also a payment system in which the store terminal reads the two-dimensional code displayed on the user terminal and completes the payment process based on the payment request including the user ID, the store ID, and the billing amount included in the two-dimensional code. Proposed.

In a payment system using such a QR code, the following problems occur when the split bill payment is performed. For example, each user needs to register in advance with the payment service of a common payment business operator that can be used at the store, and use the QR code issued by the payment business operator. Therefore, when each user uses a payment service of a different payment business operator, the split bill payment cannot be performed, which is inconvenient.

An object of the present invention is to provide a payment support system, a payment support device, a payment support method, and a program capable of improving the convenience of a user in the case of splitting the bill using an information code.

The payment support system according to the present invention is a reception process capable of receiving payment requests of different payment methods from the user terminals of the plurality of users for the first payment of the total billing amount to the plurality of users. Based on the unit, the authentication information acquisition unit that acquires the authentication information corresponding to the first terminal, and the authentication information acquired by the authentication information acquisition unit, each of the plurality of users regarding the first payment It is provided with a settlement processing unit that performs settlement processing of each burden billing amount to be borne.

The payment support device according to the present invention is a reception process capable of receiving payment requests of different payment methods from the user terminals of the plurality of users for the first payment of the total billing amount to the plurality of users. Based on the unit, the authentication information acquisition unit that acquires the authentication information corresponding to the first terminal, and the authentication information acquired by the authentication information acquisition unit, each of the plurality of users regarding the first payment It is provided with a settlement processing unit that performs settlement processing of each burden billing amount to be borne.

In the payment support method according to the present invention, regarding the first payment of the total billing amount to a plurality of users, payment requests of different payment methods are received from the user terminals of the plurality of users, and the first terminal is supported. The authentication information is acquired, and based on the acquired authentication information, the settlement processing of the respective burden billing amount borne by each of the plurality of users is performed for the first settlement.

The program according to the present invention corresponds to a step of accepting payment requests of different payment methods from each user terminal of the plurality of users for the first payment of the total billed amount to the plurality of users, and the first terminal. A computer performs a step of acquiring authentication information to be performed and a step of performing payment processing of each burden billing amount borne by each of the plurality of users for the first payment based on the acquired authentication information. It is a program to be executed by.

According to the present invention, there is provided a payment support system, a payment support device, a payment support method, and a program that can improve the convenience of a user when performing split bill payment using an information code.

FIG. 1 is a block diagram showing a configuration of a payment support system according to an embodiment of the present invention. FIG. 2 is a diagram showing an example of a QR code image displayed on a user terminal of the payment support system according to the embodiment of the present invention. FIG. 3 is a diagram showing an example of a check-in screen displayed on a store terminal of the payment support system according to the embodiment of the present invention. FIG. 4 is a diagram showing an example of a menu screen displayed on a store terminal of the payment support system according to the embodiment of the present invention. FIG. 5 is a diagram showing an example of an accounting screen displayed on a store terminal of the payment support system according to the embodiment of the present invention. FIG. 6 is a diagram showing an example of an amount input screen displayed on a user terminal of the payment support system according to the embodiment of the present invention. FIG. 7 is a diagram showing an example of a QR code image displayed on a user terminal of the payment support system according to the embodiment of the present invention. FIG. 8 is a diagram showing an example of an accounting procedure of the settlement support system according to the embodiment of the present invention. FIG. 9 is a diagram showing an example of an accounting procedure of the settlement support system according to the embodiment of the present invention. FIG. 10 is a diagram showing an example of an accounting procedure of the settlement support system according to the embodiment of the present invention. FIG. 11 is a diagram showing an example of an accounting procedure of the settlement support system according to the embodiment of the present invention. FIG. 12 is a diagram showing an example of an accounting procedure of the settlement support system according to the embodiment of the present invention. FIG. 13 is a diagram showing an example of an accounting procedure of the settlement support system according to the embodiment of the present invention. FIG. 14 is a diagram showing an example of payment information used in the payment support system according to the embodiment of the present invention. FIG. 15 is a diagram showing an example of user information used in the payment support system according to the embodiment of the present invention. FIG. 16 is a diagram showing an example of accounting information used in the settlement support system according to the embodiment of the present invention. FIG. 17 is a flowchart showing an example of a procedure of user terminal processing executed by the payment support system according to the embodiment of the present invention. FIG. 18 is a flowchart showing an example of a procedure of store terminal processing executed by the payment support system according to the embodiment of the present invention. FIG. 19 is a flowchart showing an example of a procedure of payment support processing executed by the payment support system according to the embodiment of the present invention. FIG. 20 is a flowchart showing an example of a payment processing procedure executed in a modified example of the payment support system according to the embodiment of the present invention. FIG. 21 is a diagram showing an example of payment information of a user used in the payment support system according to the embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings for the purpose of understanding the present invention. The following embodiments are examples that embody the present invention, and do not limit the technical scope of the present invention.

[Payment support system 100]
Hereinafter, a case where the first terminal according to the present invention is a user terminal will be described as an example. The first terminal according to the present invention may be a store terminal, and this configuration will be described later (modification example 4). The information code according to the present invention includes a one-dimensional code, a two-dimensional code, and the like. Hereinafter, the information code will be described as a “QR code”.

As shown in FIG. 1, the payment support system 100 according to the embodiment of the present invention includes a store terminal 1, a plurality of user terminals 2 (first terminal), a plurality of payment devices 3, and a payment support device 4. including. The store terminal 1, the plurality of user terminals 2, the plurality of payment devices 3, and the payment support device 4 can communicate with each other via a communication network N1 such as the Internet, LAN, WAN, or a public telephone line. The number of store terminals 1 and the number of payment support devices 4 may be plural. The plurality of payment devices 3 (3A, 3B, 3C, ...) Are devices (for example, payment servers) managed by different payment operators (A, B, C), respectively. Different payment systems S (S1, S2, S3, ...) Are introduced in each payment device 3. In the following, three payment devices 3A, 3B, and 3C will be described as an example. When one payment device is taken up and described on behalf of each payment device 3A, 3B, 3C, it is referred to as a payment device 3.

The payment support device 4 has a function of electronically paying the usage fee of the facility in response to a payment request from the user of the facility. For example, the payment support device 4 is configured to be able to communicate with a plurality of payment devices 3 via a communication network N1, and acts as an intermediary between the user and the payment device 3 to electronically charge a usage fee for the facility. Request (request) the payment to the payment device 3. It should be noted that each of the plurality of payment support devices 4 has an electronic payment function, and each payment support device 4 may execute electronic payment for the usage fee of the facility.

Hereinafter, a case where the facility is a restaurant and the usage fee of the facility is the food and drink charge of the restaurant will be described. However, the present invention is applicable not only to the settlement of food and drink charges at restaurants, but also to the settlement of usage fees of arbitrary facilities such as the settlement of accommodation charges at accommodation facilities and the settlement of play charges at golf courses.

Here, an example of a usage scene in which split bill settlement executed in the settlement support system 100 according to the embodiment of the present invention is performed is shown.

Here, in a restaurant, three users X, Y, Z (group) who use the table of the table number "01" arranged in the restaurant use the table top order terminal arranged in the table. An operation will be described in which an order for food and drink is placed, and after eating and drinking, the food and drink charges (total billed amount) of the group are shared and settled by users X, Y, and Z. Further, in the following, the case where the table top order terminal is the store terminal 1 will be described as an example. One table top order terminal is arranged for each of a plurality of tables arranged in a restaurant, for example.

In addition, each user concludes a usage contract with a desired payment business operator in advance, and installs a dedicated payment application on the user terminal 2 from the payment site (payment device 3) operated by the payment business operator. As a result, the user can use the payment system S of the payment company by using the payment application.

First, the users X, Y, and Z who have visited the restaurant use the user terminals 2X, 2Y, and 2Z, respectively, to accelerate the site operated by the restaurant and perform a login operation. For example, each of the users X, Y, and Z inputs a user ID (authentication information) such as a membership number as login information on the site. Then, the QR code C1 including the user IDs of the users X, Y, and Z is displayed on each of the user terminals 2X, 2Y, and 2Z (see FIG. 2).

The check-in screen shown in FIG. 3 is displayed on the table top order terminal (hereinafter referred to as store terminal 1) arranged in each table. The users X, Y, and Z each use the QR code C1 displayed on the user terminals 2X, 2Y, and 2Z on the check-in screen of the store terminal 1 arranged in the table of the table number "01". The operation (check-in operation) of holding the reading unit (camera 15) of 1 is performed. As a result, the table number "01" is associated with the user IDs of the users X, Y, and Z, and it is recognized that the users X, Y, and Z use the table with the table number "01".

When the check-in process is completed, the menu screen shown in FIG. 4 is displayed on the store terminal 1. Users X, Y, and Z operate the store terminal 1 to order a desired product. The store terminal 1 may display order history information and the like ordered by users X, Y, and Z.

When the users X, Y, and Z finish eating and drinking, they perform an operation (accounting operation) for accounting (settlement). In the payment support system 100, the payment method of paying the total billing amount in a lump sum (“lump sum”) and the payment method of sharing the total billing amount among users X, Y, and Z (“splitting the bill”) are selected. Is possible. Here, it is assumed that the users X, Y, and Z have selected "split the bill". Further, it is assumed that the total billing amount is "10,000 yen".

When the user selects "split the bill" on the store terminal 1, the accounting screen shown in FIG. 5 is displayed on the store terminal 1. Users X, Y, and Z perform accounting operations using user terminals 2X, 2Y, and 2Z, respectively. For example, the users X, Y, and Z select the "accounting" button (see FIG. 2) displayed on the user terminals 2X, 2Y, and 2Z, respectively. Then, the user terminals 2X, 2Y, and 2Z display an amount input screen (see FIG. 6) for inputting the amount (payment amount) (payment request amount) to be borne by the user.

When the amount to be borne by the user (burden billing amount) is input on the amount input screen, the user terminal 2 includes the input amount (burden billing amount), the user ID, and the payment operator ID. An image of QR code C2 is displayed (see FIG. 7). Here, the user X inputs "3000 yen" on the amount input screen of the user terminal 2X, the user Y inputs "3000 yen" on the amount input screen of the user terminal 2Y, and the user Z Suppose that "4000 yen" is input to the amount input screen of the user terminal 2Z.

On the accounting screen shown in FIG. 5, the users X, Y, and Z display the images of the QR codes C21, C22, and C23 displayed on the user terminals 2X, 2Y, and 2Z in order on the reading unit of the store terminal 1. I will hold it (see Fig. 8).

First, when the user X holds the image of the QR code C21 displayed on the user terminal 2X on the reading unit of the store terminal 1, the input amount "3000" entered by the user X is calculated from the total billing amount "10000 yen". "Yen" is subtracted. The remaining billing amount (remaining billing amount) "7,000 yen" may be displayed on the accounting screen of the store terminal 1 (see FIG. 9).

Subsequently, when the user Y holds the QR code C22 displayed on the user terminal 2Y over the reading unit of the store terminal 1, the user X inputs from the remaining billing amount (remaining billing amount) "7000 yen". The entered amount of money "3000 yen" is subtracted. The remaining billing amount (remaining billing amount) "4000 yen" may be displayed on the accounting screen of the store terminal 1 (see FIG. 10).

Subsequently, when the user Z holds the QR code C23 displayed on the user terminal 2Z over the reading unit of the store terminal 1, the user X inputs from the remaining billing amount (remaining billing amount) "4000 yen". The entered amount of money "4000 yen" is subtracted. The remaining billing amount (remaining billing amount) "0 yen" may be displayed on the accounting screen of the store terminal 1 (see FIG. 11).

When the remaining billing amount becomes "0 yen", that is, when the total of the input amounts (burden billing amount) of each user X, Y, Z matches the total billing amount, the settlement support device 4 performs the settlement process. Execute (see FIG. 12). For example, when the user X uses the payment business A, the payment support device 4 uses the payment device 3A of the payment business A with the user ID of the user X, the store ID of the restaurant, and the amount billed. A settlement request R1 including (3000 yen) is transmitted. When the user Y uses the payment business B, the payment support device 4 uses the payment device 3B of the payment business B with the user ID of the user Y, the store ID of the restaurant, and the amount billed (3000). Send a settlement request R2 including (yen). When the user Z uses the payment operator C, the payment support device 4 uses the payment device 3C of the payment operator C with the user ID of the user Z, the store ID of the restaurant, and the amount billed (4000). Send a settlement request R3 including (yen).

When the payment process is completed, the payment support device 4 transmits a payment completion notification to each of the store terminal 1 and the user terminals 2X, 2Y, and 2Z (see FIG. 13). As a result, a message indicating that the payment has been completed is displayed on each of the store terminal 1 and the user terminals 2X, 2Y, and 2Z.

As described above, the split bill settlement is executed. According to the settlement support system 100 according to the embodiment of the present invention, the split bill settlement can be performed even when each user uses the settlement services of different settlement operators. It is possible to improve the convenience of users in the facility).

Next, a specific configuration of the settlement support system 100 for executing the split settlement will be described.

[User terminal 2]
As shown in FIG. 1, the user terminal 2 includes a control unit 21, a storage unit 22, an operation display unit 23, a communication I / F 24, a camera 25, and the like. The user terminal 2 is a mobile terminal owned by a user of a restaurant, and is an information processing device such as a smartphone, a mobile phone, or a tablet terminal.

The camera 25 is a digital camera that captures an image of a subject and outputs it as digital image data.

The communication I / F 24 connects the user terminal 2 to the communication network N1 by wire or wirelessly, and performs data communication according to a predetermined communication protocol with an external device such as a payment support device 4 via the communication network N1. It is a communication interface to execute.

The operation display unit 23 is a user interface including a display unit such as a liquid crystal display or an organic EL display that displays various information, and an operation unit such as a mouse, keyboard, or touch panel that accepts operations.

The storage unit 22 is a non-volatile storage unit such as a flash memory for storing various types of information. For example, the storage unit 22 stores a control program such as a user terminal program for causing the control unit 21 to execute a user terminal process (see FIG. 17) described later. For example, the user terminal program is non-temporarily recorded on a computer-readable recording medium such as a CD or DVD, and is a reading device such as a CD drive or a DVD drive electrically connected to the user terminal 2. (Not shown) is read and stored in the storage unit 22.

The control unit 21 has control devices such as a CPU, a ROM, and a RAM. The CPU is a processor that executes various arithmetic processes. The ROM is a non-volatile storage unit in which control programs such as a BIOS and an OS for causing the CPU to execute various processes are stored in advance. The RAM is a volatile or non-volatile storage unit that stores various types of information, and is used as a temporary storage memory (working area) for various processes executed by the CPU. Then, the control unit 21 controls the user terminal 2 by executing various control programs stored in advance in the ROM or the storage unit 22 on the CPU.

Specifically, the control unit 21 includes various processing units such as a reception processing unit 211, a code processing unit 212, and a display processing unit 213. The control unit 21 functions as the various processing units by executing various processes according to the user terminal program on the CPU. Further, a part or all the processing unit included in the control unit 21 may be composed of an electronic circuit. The user terminal program may be a program for making a plurality of processors function as the various processing units.

The reception processing unit 211 acquires the operation information operated by the user of the restaurant on the operation display unit 13 of the user terminal 2. For example, the reception processing unit 211 accepts the login operation by the user at the site operated by the restaurant, and acquires the user ID (login information) corresponding to the login operation. Further, the reception processing unit 111 acquires the information of the input amount (input amount information) input by the user in the settlement by splitting the bill in the accounting operation by the user.

The code processing unit 212 generates the QR codes C1 and C2 according to the operation of the user. Specifically, the code processing unit 212 generates the QR code C1 including the user ID based on the login operation by the user. For example, when the user performs the login operation on the site operated by the restaurant on the user terminal 2, the QR code C1 including the user ID is generated. When the QR code C1 is generated, the user can see the QR code C1 (FIG. 2) displayed on the user terminal 2 on the check-in screen of the store terminal 1 arranged in the table of the table number "01". Refer to) is held over the reading unit (camera 15) of the store terminal 1 to perform an operation (check-in operation).

Further, the code processing unit 212 generates the QR code C2 based on the accounting operation by the user. For example, when the user performs the accounting operation (for example, the operation of selecting the "accounting" button shown in FIG. 2) on the user terminal 2, a desired payment site (payment device 3) installed on the user terminal 2 is performed. Payment application starts. When the user performs a login operation in the payment application and the user is authenticated in the payment device 3, the payment device 3 issues a QR code for a business operator and transmits the QR code to the payment support device 4.

Here, the QR code for a business operator includes a user ID and identification information for identifying a payment business operator (payment method) (for example, a payment business operator ID or an image showing a payment business operator). The QR code for the business operator may be a so-called one-time QR code in which an available valid time is set. For example, when the valid time of the QR code for the business operator is set to 3 minutes, the payment device 3 can be used only for 3 minutes after issuing the QR code for the business operator. Therefore, for example, when 3 minutes have passed since the payment device 3 issued the QR code for the business operator, the payment device 3 requests payment by the QR code C2 generated based on the QR code for the business operator. Restrict (reject) authentication to. That is, the QR code C2 can also function as a one-time QR code. The payment device 3 stores contract information regarding a contract between a payment business operator and a user. The contract information includes a user ID and payment information of the user (for example, information of a credit card company) required for payment for each user. The contract information is registered, for example, when the user concludes a usage contract with a settlement business operator. The payment business ID is an example of payment identification information that identifies the payment method used by the user.

When the code processing unit 212 acquires the QR code for the business operator from the payment device 3, the code processing unit 212 acquires the user ID included in the QR code for the business operator, and the user ID and the input amount entered by the user. Generate a QR code C2 containing information. The information included in the QR code C2 is an example of the authentication information of the present invention.

The display processing unit 213 causes the operation display unit 23 to display various types of information. For example, the display processing unit 213 causes the operation display unit 23 to display the images of the QR codes C1 and C2 (see FIGS. 2 and 7). Further, the display processing unit 213 causes the operation display unit 23 to display a message prompting the reading unit (camera 15) of the store terminal 1 to hold the QR codes C1 and C2 displayed on the operation display unit 23. .. The display processing unit 213 causes the operation display unit 23 to display various other messages.

In another embodiment, the processing unit of the code processing unit 212 may be provided in the payment support device 4.

[Store terminal 1]
As shown in FIG. 1, the store terminal 1 includes a control unit 11, a storage unit 12, an operation display unit 13, a communication I / F 14, a camera 15, and the like. The store terminal 1 is a table top order terminal arranged for each table, and is mainly operated by a user who uses the table. The store terminal 1 may be an information processing device such as a mobile phone, a smartphone, a tablet terminal, or a personal computer. Further, the store terminal 1 may be arranged at the entrance / exit of a restaurant as, for example, one stationary terminal (registration terminal).

The communication I / F 14 connects the store terminal 1 to the communication network N1 by wire or wirelessly, and executes data communication according to a predetermined communication protocol with an external device such as a payment support device 4 via the communication network N1. It is a communication interface for doing.

The operation display unit 13 is a user interface including a display unit such as a liquid crystal display or an organic EL display that displays various information, and an operation unit such as a mouse, keyboard, or touch panel that accepts operations.

The storage unit 12 is a non-volatile storage unit such as a flash memory for storing various types of information. For example, the storage unit 12 stores a control program such as a store terminal program for causing the control unit 11 to execute the store terminal processing (see FIG. 18) described later. For example, the store terminal program is non-temporarily recorded on a computer-readable recording medium such as a CD or DVD, and is a reading device such as a CD drive or a DVD drive electrically connected to the store terminal 1. (In the figure), it is read and stored in the storage unit 12.

Further, the storage unit 12 stores order history information (see FIG. 4) including a list of products ordered for each table arranged in the restaurant.

Further, the storage unit 12 stores check-in information according to the check-in operation. For example, when the user X, Y, Z performs the check-in operation on the store terminal 1 arranged in the table of the table number "01", for example, the information (table information) of the table number "01" and Check-in information associated with each user ID of the user X, Y, and Z is stored in the storage unit 12.

The control unit 11 has control devices such as a CPU, a ROM, and a RAM. The CPU is a processor that executes various arithmetic processes. The ROM is a non-volatile storage unit in which control programs such as a BIOS and an OS for causing the CPU to execute various processes are stored in advance. The RAM is a volatile or non-volatile storage unit that stores various types of information, and is used as a temporary storage memory (working area) for various processes executed by the CPU. Then, the control unit 11 controls the store terminal 1 by executing various control programs stored in advance in the ROM or the storage unit 12 on the CPU.

Specifically, the control unit 11 includes various processing units such as a reception processing unit 111, a reading processing unit 112, an order processing unit 113, a calculation processing unit 114, and a display processing unit 115. The control unit 11 functions as the various processing units by executing various processes according to the store terminal program on the CPU. Further, a part or all of the processing units included in the control unit 11 may be composed of an electronic circuit. The store terminal program may be a program for allowing a plurality of processors to function as the various processing units.

The reception processing unit 111 acquires the operation information operated by the user of the restaurant on the operation display unit 13 of the store terminal 1. For example, the reception processing unit 111 acquires information such as an operation of selecting a product and an operation of selecting an accounting method by a user on a menu screen (see FIG. 4).

The reading processing unit 112 captures images of the QR codes C1 and C2 (see FIGS. 2 and 7) displayed on the operation display unit 23 of the user terminal 2 by the camera 25, and obtains the image from the captured digital image data. Read the QR codes C1 and C2.

For example, when the users X, Y, and Z perform the check-in operation, the reading processing unit 112 acquires each user ID from each QR code C1, and the reception processing unit 111 obtains the user X, Y. , Z The check-in information in which the user IDs and the information (table information) of the table number "01" are associated with each other is stored in the storage unit 12. Further, the reception processing unit 111 transmits the check-in information to the payment support device 4.

The order processing unit 113 accepts orders from users for each table. For example, when the table with the table number "01" is used by three users, orders from the three users are accepted in association with the table. The contents of the order by the user are input by the user, for example, through the operation display unit 13 of the store terminal 1. Alternatively, the contents of the order by the user may be input through the order entry terminal carried by the employee. The order contents received by the order processing unit 113 are transmitted to, for example, a kitchen terminal (not shown) or a kitchen printer. Then, the product corresponding to the order content is provided to the user. Further, the order history information (see FIG. 4) is updated based on the order received by the order processing unit 113.

The calculation processing unit 114 calculates the total billing amount for each table based on the order contents received by the order processing unit 113. For example, the calculation processing unit 114 totals the total price of all the products ordered by the plurality of users who use the table based on the price information indicating the price of each food and drink provided at the restaurant. Calculated as the billed amount. The calculation processing unit 114 stores the information of the total billed amount in the storage unit 12. Further, the calculation processing unit 114 transmits the information on the total billing amount to the settlement support device 4.

The display processing unit 115 causes the operation display unit 13 to display a check-in screen (see FIG. 3), a menu screen (see FIG. 4), an accounting screen (see FIG. 5), and the like.

In another embodiment, the payment support device 4 is provided with a reception processing unit 111, a reading processing unit 112, an order processing unit 113, a calculation processing unit 114, and a part or all processing units of the display processing unit 115. May be good. Further, the store terminal 1 may have any other functions such as an accounting function in addition to the above-mentioned various functions.

[Payment support device 4]
As shown in FIG. 1, the payment support device 4 is a server computer including a control unit 41, a storage unit 42, an operation display unit 43, a communication I / F 44, and the like. The payment support device 4 is not limited to one computer, and may be a computer system in which a plurality of computers cooperate to operate. Further, various processes executed by the payment support device 4 may be distributed and executed by one or a plurality of processors.

The communication I / F 44 connects the payment support device 4 to the communication network N1 by wire or wirelessly, and is predetermined between the store terminal 1, the user terminal 2, the payment device 3 and other external devices via the communication network N1. It is a communication interface for executing data communication according to a communication protocol.

The operation display unit 43 is a user interface including a display unit such as a liquid crystal display or an organic EL display that displays various information, and an operation unit such as a mouse, keyboard, or touch panel that accepts operations.

The storage unit 42 is a non-volatile storage unit including a semiconductor memory for storing various types of information, an HDD (Hard Disk Drive), an SSD (Solid State Drive), and the like. Specifically, the storage unit 42 stores payment information regarding a payment method that can be used by the user at the restaurant. For example, as shown in FIG. 14, the storage unit 42 contains payment information (identification information, payment system information, access information) related to payment devices 3A, 3B, 3B, ... Etc.) are remembered. The payment information is stored in the storage unit 42 by, for example, a restaurant manager or the like based on a setting operation in the store terminal 1. The payment information may be stored in the storage unit 42 and the storage unit 12 of the store terminal 1.

Further, as shown in FIG. 15, the storage unit 42 may store user information (authentication information) regarding the user. The user information includes a user ID, payment information (for example, information of a credit card company), information of a payment business operator used by the user, and the like for each user. Such information may be stored in the storage unit 42 by, for example, a user registering as a member in advance on a site operated by a restaurant, or by visiting a restaurant and visiting the site operated by the restaurant. It may be stored in the storage unit 42 by performing a login operation. The user information may be stored in the storage unit 42 and the storage unit 12 of the store terminal 1.

Further, in the storage unit 42, when the user X, Y, Z performs the check-in operation at the store terminal 1 arranged in the table of the table number "01", for example, the information of the table number "01" ( The check-in information associated with the user IDs of the users X, Y, and Z) and the user IDs of the users X, Y, and Z is stored. The payment support device 4 acquires the check-in information from the store terminal 1.

Further, when the user X, Y, Z performs the accounting operation (for example, the operation of selecting the “splitting bill” shown in FIG. 4) on the store terminal 1, the storage unit 42 is based on the accounting operation. Therefore, accounting information related to accounting at restaurants is stored. As shown in FIG. 16, the accounting information includes information (input amount information) such as a user ID, a table number, a total billing amount, and an input amount input by the user.

As another embodiment, the payment information (see FIG. 14), the user information (see FIG. 15), and a part or all of the accounting information (see FIG. 16) are partially or entirely from the payment support device 4 on the communication network. It may be stored in another server accessible via N1. Then, the control unit 41 of the payment support device 4 may acquire various information from the server as necessary and execute each processing such as payment support processing (see FIG. 19) described later. Further, as another embodiment, the payment information, the user information, and a part or all of the accounting information may be stored in the store terminal 1. Then, the control unit 41 of the payment support device 4 may acquire various information from the store terminal 1 as necessary and execute each processing such as payment support processing (see FIG. 19) described later. Further, as another embodiment, the payment information, the user information, and a part or all of the accounting information may be stored in both the payment support device 4 and the store terminal 1.

Further, the storage unit 42 stores a control program such as a payment support program for causing the control unit 41 to execute the payment support process (see FIG. 19) described later. For example, the payment support program is non-temporarily recorded on a computer-readable recording medium such as a CD or DVD, and is read by a reading device (not shown) such as a CD drive or a DVD drive included in the payment support device 4. It is stored in the storage unit 42.

The control unit 41 has control devices such as a CPU, a ROM, and a RAM. The CPU is a processor that executes various arithmetic processes. The ROM is a non-volatile storage unit in which control programs such as a BIOS and an OS for causing the CPU to execute various arithmetic processes are stored in advance. The RAM is a volatile or non-volatile storage unit that stores various types of information, and is used as a temporary storage memory (working area) for various processes executed by the CPU. Then, the control unit 41 controls the payment support device 4 by executing various control programs stored in advance in the ROM or the storage unit 42 on the CPU.

Specifically, as shown in FIG. 1, the control unit 41 includes various processing units such as a reception processing unit 411, a determination processing unit 413, and a settlement processing unit 414. The control unit 41 functions as the various processing units by executing various processes according to the payment support program on the CPU. Further, a part or all of the processing units included in the control unit 41 may be composed of an electronic circuit. The payment support program may be a program for allowing a plurality of processors to function as the various processing units.

The reception processing unit 411 acquires information based on the contents operated by the user of the restaurant on the user terminal 2 (mobile terminal) from the user terminal 2 and the store terminal 1. For example, when the user performs the check-in operation on the check-in screen (see FIG. 3), the reception processing unit 411 and the user ID acquired from the QR code C1 by the check-in operation from the store terminal 1. , Acquires the check-in information associated with the table number information (table information).

Further, for example, when the user performs the accounting operation, the reception processing unit 411 inputs the user ID and the settlement operator ID acquired from the QR code C2 by the accounting operation from the store terminal 1. Get the amount information and. Further, based on the accounting operation, the reception processing unit 411 acquires information on the payment method (“lump sum”, “splitting the bill”), information on the total billing amount, and the like from the store terminal 1. The reception processing unit 411 is an example of the input amount acquisition unit of the present invention.

The reception processing unit 411 stores the check-in information (user ID, table information), accounting information (see FIG. 16) in which the total billing amount information and the input amount information are associated with each other in the storage unit 42. Remember. The reception processing unit 411 is an example of the authentication information acquisition unit of the present invention.

The determination processing unit 413 determines whether or not the total of the input amounts (burden billing amount) of the plurality of users matches the total billing amount (food and drink charges) in the split bill settlement.

The settlement processing unit 414 performs settlement processing based on the determination result of the determination processing unit 413. For example, when the total of the input amounts of the plurality of users matches the total billing amount, the payment processing unit 414 is the payment device 3 of the payment business used by each user based on the payment business ID. (Payment server) is specified, and a payment request R including a user ID, a store ID of a restaurant, and information on the amount to be charged is transmitted to each of the specified payment devices 3, and each user bears the burden. Settle the input amount (see FIG. 12). When the total of the input amounts of the plurality of users matches the total billed amount, the settlement processing unit 414 approves the settlement. On the other hand, if the total of the input amounts does not match the total billing amount, the payment processing unit 414 may send a payment error message to each user terminal.

A part or all of the reception processing unit 411, the determination processing unit 413, and the settlement processing unit 414 may be provided in the store terminal 1.

[User terminal processing]
Hereinafter, the user terminal processing executed by the control unit 21 of the user terminal 2 will be described with reference to FIG. For example, the control unit 21 starts the execution of the user terminal process by starting the execution of the user terminal program in response to the user's operation. The user terminal process may be terminated in the middle according to a predetermined operation on the user terminal 2.

The present invention can be regarded as an invention of a payment support method for executing one or a plurality of steps included in the user terminal processing, the payment support processing described later, and the store terminal processing described later.

Further, one or a plurality of steps included in the user terminal processing described here may be omitted as appropriate. Further, the execution order of each step in the user terminal processing may be different as long as the same action and effect are produced. Further, here, a case where each step in the user terminal processing is executed by the control unit 21 will be described as an example, but in another embodiment, each step in the user terminal processing is distributed by a plurality of processors. May be executed.

Further, here, the user terminal processing will be described according to the above-mentioned usage scene.

<Step S11>
In step S11, the control unit 21 (reception processing unit 211) accepts the user's login operation at the site operated by the restaurant. Specifically, the control unit 21 acquires a user ID (login information) corresponding to the login operation.

<Step S12>
When the login operation is performed, in step S12, the control unit 21 (code processing unit 212) generates a QR code C1 including a user ID. The control unit 21 (display processing unit 213) causes the operation display unit 23 to display the QR code C1 (see FIG. 2).

Each of the users X, Y, and Z holds the image of the QR code C1 on the reading unit (camera 15) on the check-in screen (see FIG. 3) displayed on the store terminal 1 (for example, a table top order terminal). Check-in operation is performed.

When the check-in process of the users X, Y, Z is completed, the users X, Y, Z are displayed on the table top order terminal (store terminal 1) arranged in the table of the table number "01". (See FIG. 4), order the desired product.

<Step S13>
In step S13, when the user performs an accounting operation (for example, an operation of selecting the “accounting” button shown in FIG. 2), the control unit 21 (acceptance processing unit 211) accepts the accounting operation.

<Step S14>
In S14, the control unit 21 (display processing unit 213) displays the amount input screen (see FIG. 6) on the operation display unit 23, and accepts the input of the amount (burden billing amount) to be borne by the user.

<Step S15>
In S15, when the user inputs the amount to be borne by the user into the amount input screen of the user terminal 2, the control unit 21 (reception processing unit 211) inputs the input amount information (input amount information). get. Each of the users X, Y, and Z inputs the amount of money to be borne by the user terminals 2X, 2Y, and 2Z.

<Step S16>
The control unit 21 (code processing unit 212) acquires the QR code for the business operator issued from the payment device 3 based on the accounting operation by the user, and the user ID and the user ID included in the QR code for the business operator. The QR code C2 including the settlement company ID and the input amount information is generated.

As shown in FIG. 7, the control unit 21 (display processing unit 213) causes the operation display unit 23 to display the image of the QR code C2. The users X, Y, and Z respectively display the images of the QR codes C21, C22, and C23 displayed on the user terminals 2X, 2Y, and 2Z in order on the accounting screen (see FIG. 5) displayed on the store terminal 1. It is held over the reading unit (camera 15) (see FIGS. 8 to 12). In this way, the user terminals 2X, 2Y, and 2Z each transmit a payment request for the input amount to the payment support device 4 via the store terminal 1.

<Step S17>
When the payment processing is executed in the payment support device 4 and the payment processing is normally completed (when the payment is approved), the control unit 21 acquires the payment completion notification from the payment support device 4 and controls the control unit 21 (display). The processing unit 213) displays a message to the effect that the payment has been completed on the operation display unit 23 (see FIG. 13). If the settlement is not approved, the control unit 21 causes the operation display unit 23 to display a predetermined error message. Then, the user terminal processing is terminated.

[Store terminal processing]
Next, with reference to FIG. 18, the store terminal processing executed by the control unit 11 of the store terminal 1 will be described. Here, it is assumed that the store terminal 1 is a table top order terminal. For example, the control unit 11 starts the execution of the store terminal processing by starting the execution of the store terminal program in response to the operation of the user. The store terminal process may be terminated in the middle according to a predetermined operation in the store terminal 1. The control unit 11 individually and in parallel executes the store terminal processing for each table arranged in the restaurant (that is, for each customer who uses the restaurant or for each group of users).

In addition, one or a plurality of steps included in the store terminal processing described here may be omitted as appropriate. Further, the execution order of each step in the store terminal processing may be different within a range in which the same action and effect are produced. Further, here, a case where each step in the store terminal processing is executed by the control unit 11 will be described as an example, but in another embodiment, each step in the store terminal processing is dispersed by a plurality of processors. It may be executed.

<Step S21>
In step S21, the control unit 11 (reception processing unit 111) receives the check-in operation from the user on the check-in screen (see FIG. 3). For example, the control unit 11 (reading processing unit 112) reads the QR code C1 from the user terminals 2X, 2Y, and 2Z, and the control unit 11 (reception processing unit 111) acquires the user ID included in the QR code C1.

The control unit 11 correlates the user IDs of the users X, Y, and Z with each other, and the store terminal 1 associates the information (table information) of the table number "01" of the arranged table with each other. Then, the control unit 11 stores the check-in information in which the user ID and the table information are associated with each other in the storage unit 12. The control unit 11 transmits the check-in information to the payment support device 4.

<Step S22>
In step S22, the control unit 11 (order processing unit 113) determines whether or not an order from the user has been input. For example, the control unit 11 determines whether or not an order has been input to the menu screen (see FIG. 4) from the users X, Y, and Z in the table (table number "01") in which the store terminal 1 is arranged. .. Then, when it is determined that the order from the user has been input (S22: YES), the process proceeds to step S23.

<Step S23>
When the user performs an accounting operation (for example, an operation of selecting the “splitting bill” shown in FIG. 4) in step S23 (S23: YES), the process proceeds to step S24.

<Step S24>
In step S24, the control unit 11 (calculation processing unit 114) charges the users X, Y, and Z the total amount (the total billed amount) based on the order contents from the users X, Y, and Z. calculate. The control unit 11 transmits the information on the total billing amount calculated in step S24 to the settlement support device 4.

<Step S25>
In step S25, the control unit 11 (display processing unit 115) causes the operation display unit 13 to display the accounting screen (see FIG. 5).

<Step S26>
In step S26, the control unit 11 (reading processing unit 112) reads the QR codes C21, C22, and C23 in order from the user terminals 2X, 2Y, and 2Z, and the use included in the QR codes C21, C22, and C23. Person ID, the settlement company ID, and the input amount information are acquired. The control unit 11 transmits each acquired information to the payment support device 4. After that, the payment support device 4 executes the above-mentioned payment processing.

<Steps S27, S28>
When the payment corresponding to each user is approved and the payment process is completed (S27: YES), the control unit 11 obtains a completion notification to the effect that the payment has been completed from the payment support device 4, and in step S28, the control unit 11 obtains a completion notification. 11 (display processing unit 115) causes the operation display unit 13 to display the payment completion screen. Then, the store terminal is terminated.

[Payment support processing]
Next, with reference to FIG. 19, the settlement support process executed by the control unit 41 of the settlement support device 4 will be described. For example, the control unit 41 starts the execution of the payment support process by starting the execution of the payment support program in response to the access from the user terminal 2. When the control unit 41 is accessed from a plurality of user terminals 2, the settlement support process may be individually executed in parallel for each user terminal 2.

In addition, one or a plurality of steps included in the settlement support process described here may be omitted as appropriate. Further, the execution order of each step in the settlement support process may be different as long as the same action and effect are produced. Further, here, a case where each step in the payment support process is executed by the control unit 41 will be described as an example, but in another embodiment, each step in the payment support process is distributed by a plurality of processors. It may be executed.

<Step S31>
In step S31, when the user holds the image of the QR code C1 on the check-in screen of the store terminal 1 (see FIG. 3), the control unit 41 (reception processing unit 411) receives the QR code from the store terminal 1. The check-in information in which the user ID included in C1 and the table information are associated with each other is acquired.

For example, when the users X, Y, and Z perform the check-in operation on the table top order terminal (store terminal 1) arranged in the table of the table number "01", the control unit 41 controls the store terminal 1. The check-in information in which the information of the table number "01" (table information) and the user IDs of the users X, Y, and Z are associated with each other is acquired and stored in the storage unit 42.

<Step S32>
In step S32, when the user performs the accounting operation and holds the image of the QR code C2 on the reading unit (camera 15) of the accounting screen (see FIG. 5) of the store terminal 1, the control unit 41 (reception processing unit) 411) acquires the user ID, the payment operator ID, and the input amount information, which are the information of the QR code C2 read by the store terminal 1, from the store terminal 1. Further, the control unit 41 (reception processing unit 411) acquires the information on the total billing amount from the store terminal 1.

The control unit 41 (reception processing unit 411) provides accounting information (see FIG. 16) in which the check-in information (user ID, table information), the total billing amount information, and the input amount information are associated with each other. It is stored in the storage unit 42.

The process of step S32 is individually performed by the user terminals 2X, 2Y, and 2Z of the users X, Y, and Z. For example, the control unit 41 (reception processing unit 411) performs the payment processing of the total billing amount from the user terminal 2X of the user X to the user ID of the user X and the payment operator A (for example, the first payment method). ) And the payment request of the input amount information "3000 yen" are accepted. Further, the control unit 41 (reception processing unit 411) performs the settlement processing of the total billing amount from the user terminal 2Y of the user Y to the user ID of the user Y and the settlement operator B (for example, the second settlement method). The identification information of the above and the settlement request of the input amount information "3000 yen" are accepted. Further, the control unit 41 (reception processing unit 411) performs the settlement processing of the total billing amount from the user terminal 2Z of the user Z to the user ID of the user Z and the settlement operator C (for example, a third settlement method). The identification information of the above and the settlement request of the input amount information "4000 yen" are accepted.

That is, the control unit 41 (reception processing unit 411) can receive payment requests of different payment methods from the user terminals 2 of the plurality of users for the payment processing of the total billed amount to the plurality of users. It is possible.

When the control unit 41 (reception processing unit 411) acquires information on the billing amount "3000 yen" (first burden billing amount) borne by the user X, for example, the control unit 11 (display processing unit) of the store terminal 1 115) may display the remaining billing amount "7,000 yen" obtained by subtracting the first burden billing amount from the total billing amount "10,000 yen".

<Step S33>
In step S33, the control unit 41 (determination processing unit 413) determines whether or not the total of the input amounts of each user matches the total billed amount. The processing of steps S32 and S33 is repeated until the total of the input amounts of each user matches the total billing amount, and when the total of the input amounts matches the total billing amount (S33: YES), the processing is step S34. Move to.

<Step S34>
In step S34, the control unit 41 (payment processing unit 414) requests the payment device 3 of the payment operator used by the user to include the user ID, the store ID, and the burden billing amount (input amount). R is transmitted (see FIG. 12). Here, the control unit 41 transmits the settlement request R1 to the settlement device 3A, the settlement request R2 to the settlement device 3B, and the settlement request R3 to the settlement device 3C.

<Step S35>
In step S35, when each payment is approved by each payment device 3, the control unit 41 acquires payment approval information from each payment device 3 and notifies each user terminal 2 and the store that the payment is completed. Send to terminal 1. Then, the settlement support process is terminated.

In step S33, if the total of the input amounts does not match the total billed amount (S33: NO), the payment processing unit 414 may send a payment error message to each user terminal.

The present invention is not limited to the above-described embodiment, and may be in the form shown below (hereinafter referred to as “variation example”).

[Modification 1]
In the above-described embodiment, one store terminal 1 is arranged as the table top order terminal for each of a plurality of tables arranged in a restaurant. In the first modification, the store terminal 1 may be arranged at the entrance / exit of a restaurant as one stationary terminal (registration terminal). In this case, for example, the user performs the accounting operation when finishing eating and drinking and leaving the store. Here, for example, a user different from the group is used in the store terminal 1 before the payment process is started for the payment (first payment) for the group including the users X, Y, and Z and the payment processing is completed. For example, it is also possible to accept the accounting operation of the settlement (second settlement) for the user M). In this case, the settlement support device 4 stores the settlement status (intermediate status) of the first settlement at the time when the accounting operation of the second settlement is received, and the settlement process of the second settlement (so-called interrupt settlement). ) May be performed. Then, the payment processing unit 414 of the payment support device 4 restarts the remaining payment processing for the first payment after the payment processing for the second payment is completed.

[Modification 2]
Further, in the settlement processing (FIG. 19) in the above-described embodiment, when the total of the input amounts does not match the total billing amount (S33: NO), in the modification 2, the settlement processing unit 414 executes the following processing. You may.

For example, the payment processing unit 414 may notify each user terminal of the shortage amount. Further, when some users do not perform the operation of reading the QR code C2 in the accounting process (in the case of unsettled), the settlement processing unit 414 performs the operation of reading the QR code C2 (settled). ) Other users may be settled for the burden billing amount (unsettled amount) that some of the users should bear.

Further, for example, the control unit 41 of the payment support device 4 acquires the position information of the user terminal 2, and the position of the user terminal 2 of some of the unsettled users is out of the predetermined range (for example, in the store). In that case, the settlement processing unit 414 may perform settlement processing of the unsettled amount for the other user who has already settled. The control unit 41 is an example of the position information acquisition unit of the present invention.

Further, for example, when some users do not read the QR code C2 in the accounting process (in the case of unsettled), the settlement processing unit 414 reads the QR code C2 by the other user. When a predetermined time has elapsed since the operation was performed (or after the payment process was completed), the amount charged to the other users who had already settled was to be borne by some of the users. (Unsettled amount) may be settled.

Further, for example, even if the other user who has already settled has the store terminal 1 read the QR code C2 displayed on the user terminal 2 a plurality of times in succession to perform the settlement processing of the unsettled amount. good. In this case, it is preferable that the store terminal 1 and the payment support device 4 have a configuration capable of accepting the use of the QR code C2 a plurality of times. When allowing continuous use multiple times, the time from the completion of the first reading process to the acceptance of the second reading process is set so that erroneous reading (misrecognition) is not performed. It is preferable that it is configured so that it can be set.

[Modification 3]
Further, in the above-described embodiment, the user terminal 2 is configured to generate the QR codes C1 and C2. In the third modification, the payment support device 4 may generate the QR codes C1 and C2. For example, when the user performs the login operation on the user terminal 2, the control unit 41 of the payment support device 4 generates a QR code C1 including a user ID based on the login operation.

Further, when the user performs the accounting operation on the user terminal 2, the control unit 41 of the payment support device 4 acquires the QR code for the business operator from the payment device 3 and uses the information of the QR code for the business operator. , A QR code C2 to which the information of the input amount input by the user to the user terminal 2 is added is generated. The control unit 41 of the payment support device 4 transmits the generated QR code C2 to the user terminal 2.

[Modification 4]
Further, in the above-described embodiment, the store terminal 1 reads the QR codes C1 and C2 displayed on the user terminal 2. In the fourth modification, the QR codes C1 and C2 may be displayed on the store terminal 1 and the user terminal 2 may read the QR codes C1 and C2. That is, the first terminal according to the present invention may be a store terminal 1.

In this case, the payment process is performed as follows, for example, the check-in process is completed by the user terminal 2 reading the QR code C1 displayed on the store terminal 1. The QR code C1 includes information on the table number.

Further, the accounting process is performed by the user terminal 2 reading the QR code C2 displayed on the store terminal 1. The QR code C2 includes information on the amount billed (authentication information). For example, when the users X, Y, and Z perform the accounting operation (for example, the operation of selecting the "splitting bill" shown in FIG. 4) on the tabletop order terminal (store terminal 1), the payment support device 4 may perform the accounting operation. , The amount billed by dividing the total billing amount by the number of users or the number of user terminals 2 (the number of user terminals 2 that send payment requests, the number of user terminals 2 that have been checked in). A plurality of QR codes C2 (for example, QR codes C21, C22, C23) including information on the amount billed for the burden are generated and transmitted to the store terminal 1. The store terminal 1 displays the images of the QR codes C21, C22, and C23 in order or in a list.

The user terminals 2X, 2Y, and 2Z read the QR codes C21, C22, and C23, respectively. When the total of the read burden billing amounts matches the total billing amount, the payment support device 4 considers that the payment conditions are satisfied, and displays the user ID and the user ID on the payment device 3 of the payment operator used by each user. A settlement request R including the store ID of the restaurant and the information on the amount billed is transmitted.

When the payment support device 4 acquires the input amount information, the payment support device 4 may generate a QR code C2 including the input amount information for each user.

[Modification 5]
Further, in the above-described embodiment, the payment support device 4 acquires the QR code for the business operator from the payment device 3, and the user inputs the QR code information for the business operator to the user terminal 2. This is a configuration in which QR code C2 is generated by adding information on the amount of money. Here, the QR code for the business operator is issued for each settlement business operator, and it is conceivable that the information included in the QR code cannot be updated depending on the format. In this case, for example, the user terminal 2 cannot add the input amount information to the QR code for the business operator when generating the QR code C2.

Therefore, in the modification 5, the user terminal 2 causes the reading unit (camera 15) to read the QR code for the business operator including the user ID on the accounting screen (see FIG. 5) displayed on the store terminal 1. At the same time, the input amount information is transmitted to the payment support device 4. That is, the payment support device 4 acquires the user ID from the store terminal 1 based on the QR code for the business operator, and acquires the input amount information from the user terminal 2.

[Modification 6]
In the sixth modification, the payment support system 100 may have a configuration in which the user can set the split bill on the store terminal 1 or the user terminal 2 when performing the split bill settlement. For example, on the screen shown in FIG. 4, buttons such as "equal", "number of people to settle", and "payment user" are displayed as detailed settings for split bill settlement. For example, when the user selects "equal", the payment support device 4 sets the total billing amount as the number of users or the number of user terminals 2 (the number of user terminals 2 that send payment requests, check-in processing). The amount (equal amount) divided by (the number of user terminals 2) is settled to the amount billed by each user.

Further, for example, the number of users who make a payment by selecting the "number of payments" or the number of user terminals 2 (the number of user terminals 2 for transmitting payment requests, the number of user terminals 2 for which check-in processing has been performed). ) Is input, the payment support device 4 calculates the total billing amount by the number of people entered or the number of user terminals 2 entered (the number of user terminals 2 sending a payment request, check-in processing). The amount divided by the number of user terminals 2) is determined as the amount billed by each user to be settled.

Further, for example, when the user selects the "payment user" and selects the user ID of the user who makes the payment, the payment support device 4 determines the burden billing amount for the user of the selected user ID. In this case, the payment support device 4 may be configured not to accept the payment operation corresponding to the user ID that has not been selected.

Further, a "remaining settlement" button may be provided on the accounting screen shown in FIG. For example, if the last user among a plurality of users selects the "remaining settlement" button without inputting the burden billing amount to be borne by himself / herself, the settlement support device 4 charges all of the remaining billing amount. Is determined by the user as the amount to be charged and the settlement process is performed. This can save the user time and effort.

Further, for example, the reception processing unit 411 acquires the amount information of the input amount (first burden billing amount) (for example, "3000 yen") input to the user terminal 2X by the user X (first user). When the amount information of the input amount is not acquired from other users Y and Z, the settlement processing unit 414 may perform the following processing. For example, the settlement processing unit 414 uses the remaining billing amount (“7000 yen”) obtained by subtracting the first burden billing amount (“3000 yen”) from the total billing amount (for example, “10000 yen”) for another user Y. The amount (“3500 yen”) divided by the number of people in Z or the number of user terminals 2Y and 2Z in other users Y and Z is determined as the amount to be charged by each of the users Y and Z.

[Modification 6]
Further, in the above-described embodiment, the QR code for the business operator includes the payment business operator ID. However, depending on the format, the QR code for the business operator may not be able to include the payment business operator ID. In this case, the QR code for the business operator includes only the user ID.

When the QR code for the business operator includes only the user ID, the payment support device 4 cannot specify the payment business operator used by the user only with the QR code for the business operator. Therefore, the payment support device 4 performs payment processing by, for example, the following method.

As a first method, when the payment support device 4 has the user information (authentication information) (see FIG. 15), the payment support device 4 refers to the user information stored in the storage unit 42 and refers to the user information. The payment device 3 of the payment company associated with the user ID included in the QR code for the business is specified, and a payment request is made to the payment device 3. The payment request includes a user ID, a restaurant ID, and information on the amount billed.

As a second method, when the payment support device 4 does not have the user information (authentication information), the payment support device 4 is registered in the payment information (see FIG. 14) stored in the storage unit 42. A payment request is made to each of the payment devices 3A, 3B, and 3C of a plurality of payment operators. The second method will be described with reference to specific examples.

Here, the user concludes a usage contract with a desired payment business operator in advance, and installs a dedicated payment application on the user terminal 2 from the payment site (payment device 3) operated by the payment business operator. As a result, the user can use the payment system S of the payment company by using the payment application.

Next, when the user activates (logs in) the payment application at the restaurant, the user terminal 2 acquires a QR code (a QR code for a business operator) issued by the payment site. The user causes the store terminal 1 to read the QR code for the business operator. When the payment support device 4 acquires the authentication information including the user ID and the store ID included in the QR code for the business operator from the store terminal 1, the payment support device 4 transmits the authentication method to each of the payment devices 3A, 3B, and 3C. do. Each payment device 3A, 3B, 3C performs a user authentication process based on the user ID. The QR code for the business operator may or may not include the store ID.

Specifically, the payment device 3 includes a user ID included in the QR code for the business operator transmitted to the user terminal 2, that is, a user ID for which the QR code for the business operator has been issued, and a payment support device 4. It is determined whether or not the user ID obtained from the above matches. If the user IDs match each other, the payment device 3 determines that the authentication is successful, and if they do not match, it determines that the authentication error. The payment device 3 transmits an authentication result (“authentication success” or “authentication error”) to the payment support device 4. The payment device 3 transmits the authentication result to the corresponding store terminal 1 based on the store ID included in the authentication information.

Hereinafter, the procedure of payment processing corresponding to the second method will be specifically described with reference to FIG. 20. Here, among a plurality of users X, Y, and Z using one table, the processing related to the user X will be given as an example.

Here, the user X concludes a usage contract with the payment operator B in advance, and installs a dedicated payment application on the user terminal 2X from the payment site (payment device 3B) operated by the payment operator B. It is assumed that it is. Further, it is assumed that the user X does not use the payment application of the payment devices 3A and 3C. In addition, the user X shall make a QR code payment for the payment of the amount (billing amount) borne by himself / herself in the split bill payment.

<Step S101>
In step S101, the user X of the user terminal 2X activates the payment application of the payment device 3B and executes a login operation. When the login operation is executed, the user terminal 2X transmits the user ID of the user X to the payment device 3B.

<Step S102>
In step S102, the payment device 3B acquires the user ID from the user terminal 2X of the user X.

<Step S103>
In step S103, the payment device 3B performs the user authentication process of the user X based on the user ID. For example, the payment device 3B determines whether or not the user ID is registered in the storage unit (see FIG. 21), authenticates if it is registered, and rejects authentication if it is not registered. ..

<Step S104>
When the user X is authenticated, in step S104, the payment device 3B generates a QR code for the business operator including the user ID (“user.x”) of the user X. The payment device 3B transmits the generated image data of the QR code for the business operator to the user terminal 2X of the user X.

When the payment device 3B transmits (issues) the QR code for the business operator to the user terminal 2X of the user X, the QR code issuance status of the storage unit is set to "issued" (see FIG. 21). It is assumed that the payment devices 3A and 3C do not transmit (issue) the QR code for the business operator to the user terminal 2 of the user X.

<Step S105>
In step S105, the user terminal 2 acquires the QR code image data for the business operator.

<Step S106>
In step S106, the display processing unit 213 of the user terminal 2 displays the QR code for the business operator corresponding to the QR code image data for the business operator on the operation display unit 23.

<Step S107>
When the user X holds the QR code for the business operator displayed on the operation display unit 23 on the reading unit (camera 15) of the store terminal 1, in step S107, the reading processing unit 112 of the store terminal 1 is the above-mentioned thing. The image of the QR code for the trader is captured by the camera 25, and the QR code for the trader is read from the captured digital image data.

<Step S108>
In step S108, the payment support device 4 acquires the user ID of the user X from the QR code for the business operator read by the store terminal 1.

<Step S109>
In step S109, the payment processing unit 414 of the payment support device 4 executes the authentication information transmission process. Specifically, the payment processing unit 414 of the payment support device 4 transmits the acquired authentication information including the user ID and the store ID to each of the payment devices 3A, 3B, and 3C.

<Step S110>
In step S110, the payment processing units 414 of the payment devices 3A, 3B, and 3C acquire the authentication information from the payment support device 4.

<Step S111>
In step S111, the payment processing units 414 of the payment devices 3A, 3B, and 3C perform authentication processing for the user X. Specifically, the payment processing units 414 of the payment devices 3A, 3B, and 3C each have a user ID (see FIG. 21) for which the QR code for the business operator has been issued and a user ID acquired from the payment support device 4. Judges whether or not matches with. Here, in the payment device 3B, the QR code for the business operator is issued to the user X (“issued”), and the user ID of the user X and the user ID acquired from the payment support device 4 are issued. Since it matches with, it is judged that the authentication is successful. On the other hand, in the payment devices 3A and 3C, since the QR code for the business operator is not issued to the user X, it is determined as an authentication error.

<Step S112>
In step S112, the payment processing units 414 of the payment devices 3A, 3B, and 3C have authenticated the payment support device 4 based on the store ID included in the authentication information (“authentication success” or “authentication error”). To send.

<Step S113>
In step S113, the payment support device 4 acquires the authentication result from each of the payment devices 3A, 3B, and 3C. Here, the payment support device 4 acquires "authentication success" from the payment device 3A and acquires "authentication error" from the payment devices 3A and 3B.

<Step S114>
In step S114, the payment support device 4 requests the payment device 3B (first payment device) that has succeeded in authenticating the user X among the payment devices 3A, 3B, and 3C, including the information on the billing amount. To send. The payment support device 4 may send a deletion request requesting the deletion of the authentication information to the payment devices 3A and 3C that have failed to authenticate the user X. Further, if there are a plurality of payment devices 3 that have succeeded in authenticating the user X, or if there is no payment device 3 that has succeeded in the authentication of the user X, the payment support device 4 transmits the payment request. Instead, the user terminal 2X of the user X may be notified of the authentication error.

<Step S115>
In step S115, the payment device 3B acquires the payment request from the payment support device 4.

<Step S116>
In step S116, the payment device 3B executes the payment processing of the billed amount by the payment method according to the payment information (see FIG. 21) of the user X. For example, the payment support device 4 executes credit card payment by the credit card CR1 of the user X.

<Step S117>
When the payment process is completed, in step S117, the payment device 3B notifies the payment completion (settlement completion notification) to the payment support device 4, the store terminal 1, and the user terminal 2X of the user X. Send to.

<Step S118>
In step S118, the user terminal 2X of the user X acquires the payment completion notification from the payment device 3B. The display processing unit 213 of the user terminal 2X displays a message corresponding to the payment completion notification on the operation display unit 23. Further, the store terminal 1 acquires the payment completion notification from the payment device 3B. The control unit 11 of the store terminal 1 displays a message corresponding to the payment completion notification on the operation display unit 13. As described above, the payment process is executed.

1: Store terminal 2: User terminal 3: Payment device 4: Payment support device 11: Control unit 12: Storage unit 13: Operation display unit 14: Communication I / F
15: Camera 21: Control unit 22: Storage unit 23: Operation display unit 24: Communication I / F
25: Camera 33: Operation display unit 41: Control unit 42: Storage unit 43: Operation display unit 100: Payment support system 111: Reception processing unit 112: Reading processing unit 113: Order processing unit 114: Calculation processing unit 115: Display processing Unit 211: Reception processing unit 212: Code processing unit 213: Display processing unit 411: Reception processing unit 413: Judgment processing unit 414: Payment processing unit C1: QR code C2: QR code

Claims (18)

A payment support system that includes a store terminal, a user terminal, and a payment support device.
The first information code corresponding to the user information is displayed on the store terminal or the user terminal.
The payment support device is
When the first information code displayed on the store terminal is read by each of the plurality of user terminals, or the first information code displayed on each of the plurality of user terminals is the store terminal. The first reception processing unit that acquires a plurality of the user information when it is read by
Based on the plurality of user information acquired by the first reception processing unit, the burden billing amount borne by each user for the settlement of the total billing amount to the plurality of users corresponding to the plurality of user information. The decision processing unit that determines
After receiving the first settlement request including the burden billing amount of each of the plurality of users determined by the determination processing unit from each of the plurality of user terminals, the settlement processing of each of the burden billing amounts is performed . With the payment processing unit that executes
A payment support system equipped with. The first reception processing unit acquires the user information from each of the plurality of user terminals when each of the plurality of user terminals reads the first information code displayed on the store terminal in order. death,
The determination processing unit determines the total billing amount divided by the number of the user terminals specified based on the plurality of user information to the burden billing amount of each user.
The payment support system according to claim 1. The first reception processing unit acquires the user information from each of the plurality of user terminals when each of the plurality of user terminals reads the first information code displayed on the store terminal in order. Further, the amount information input in each of the plurality of user terminals is acquired, and the amount information is acquired.
The determination processing unit determines the amount of the amount information input in each of the plurality of user terminals as the burden billing amount of each user.
The payment support system according to claim 1. The first information code includes identification information of a table used by the plurality of users corresponding to the total billed amount.
The payment support system according to claim 2 or 3. When the store terminal reads the first information code displayed on each of the plurality of user terminals in order, the first reception processing unit may use each of the plurality of user terminals from the store terminal. Get personal information,
The determination processing unit determines the total billing amount divided by the number of the user terminals specified based on the plurality of user information to the burden billing amount of each user.
The payment support system according to claim 1. When the store terminal reads the first information code displayed on each of the plurality of user terminals in order, the first reception processing unit may use each of the plurality of user terminals from the store terminal. Person information is acquired, and further, the amount information input in each of the plurality of user terminals is acquired.
The determination processing unit determines the amount of the amount information input in each of the plurality of user terminals as the burden billing amount of each user.
The payment support system according to claim 1. The first information code includes the user information which is the identification information of the user .
The payment support system according to claim 5 or 6. The user terminal is made to display a plurality of second information codes including information on the burden billing amount of each user determined by the determination processing unit.
The payment support device further includes a second reception processing unit that acquires the burden billing amount of each user when each of the plurality of user terminals reads the corresponding second information code in order. Prepare,
The settlement processing unit executes the settlement processing of each of the burden billing amounts after receiving the first settlement request including the burden billing amount of each of the plurality of users acquired by the second reception processing unit. do,
The payment support system according to any one of claims 1 to 7. The payment support device further includes a determination processing unit for determining whether or not the total of the burden billing amounts of the plurality of users acquired by the second reception processing unit matches the total billing amount. ,
The settlement processing unit executes processing according to the determination result by the determination processing unit.
The payment support system according to claim 8. When the total of the burden billing amount of each of the plurality of users acquired by the second reception processing unit matches the total billing amount, the settlement processing unit is the said of each of the plurality of users. Execute the settlement process of the burden billing amount,
The payment support system according to claim 9. A process of acquiring the burden billing amount by the second reception processing unit until the total of the burden billing amounts of each of the plurality of users acquired by the second reception processing unit matches the total billing amount. , The process of determining whether or not the total of the burden billed amounts of each of the plurality of users by the determination processing unit matches the total billed amount is repeated.
The payment support system according to claim 9 or 10. When the total of the burden billing amounts of the plurality of users acquired by the second reception processing unit does not match the total billing amount, the payment processing unit provides information on the payment error to each user. Send to the user terminal,
The payment support system according to any one of claims 9 to 11. When the total of the burden billing amounts of the plurality of users acquired by the second reception processing unit does not match the total billing amount, the settlement processing unit provides information on the shortage amount of each user. Send to the user terminal,
The payment support system according to any one of claims 9 to 12. The second information code includes payment identification information that identifies the payment method used by the user.
The payment processing unit identifies the payment method used by the user based on the payment identification information, and executes the payment processing of the burden billing amount borne by the user by the specified payment method.
The payment support system according to any one of claims 8 to 13. Further provided with a display processing unit that displays information on the total billing amount.
When the second reception processing unit acquires the first burden billing amount borne by the first user included in the plurality of users, the display processing unit calculates the first burden billing amount from the total billing amount. Display the deducted remaining billing amount,
The payment support system according to any one of claims 8 to 14. The settlement processing unit transmits a second settlement request regarding the burden billing amount to the settlement device of the settlement business used by each of the plurality of users, and executes the settlement processing of each of the burden billing amounts.
The payment support system according to any one of claims 1 to 15. It is a payment support method that makes payments between a store terminal, a user terminal, and a payment support device.
Displaying the first information code corresponding to the user information on the store terminal or the user terminal
When the first information code displayed on each of the plurality of user terminals is read by the store terminal, or when the first information code displayed on the store terminal is read by the store terminal, each of the plurality of user terminals. To acquire a plurality of the above-mentioned user information when it is read by
Based on the acquired plurality of the user information, the burden billing amount to be borne by each user for the settlement of the total billing amount to the plurality of users corresponding to the plurality of the user information is determined.
After receiving the first settlement request including the burden billing amount of each of the determined multiple users from each of the plurality of user terminals, the settlement processing of each of the burden billing amounts is executed . ,
A payment support method performed by a computer. It is a program that makes payments between a store terminal, a user terminal, and a payment support device.
Displaying the first information code corresponding to the user information on the store terminal or the user terminal
When the first information code displayed on each of the plurality of user terminals is read by the store terminal, or when the first information code displayed on the store terminal is read by the store terminal, each of the plurality of user terminals. To acquire a plurality of the above-mentioned user information when it is read by
Based on the acquired plurality of the user information, the burden billing amount to be borne by each user for the settlement of the total billing amount to the plurality of users corresponding to the plurality of the user information is determined.
After receiving the first settlement request including the burden billing amount of each of the determined multiple users from each of the plurality of user terminals, the settlement processing of each of the burden billing amounts is executed . ,
A program that lets your computer run.

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