JP7099893B2 - Payment system, payment information management method - Google Patents

Description

The present invention relates to a payment system and a payment information management method.

There is a payment method using a machine reading code such as a barcode or a two-dimensional code (see, for example, Patent Document 1). The user displays the identification information on the display screen of a mobile terminal such as a smartphone owned by the user with a machine reading code, causes the payment terminal installed in the store to read it with a camera, etc., and from, for example, a bank account associated with the identification information. You can pay to the store by withdrawing the amount according to the payment amount.

Japanese Unexamined Patent Publication No. 2017-117387

However, in stores, a payment method different from payment using a machine reading code, such as a payment method in which payment is made by performing non-contact communication with a payment recording medium such as an IC card, is also used.
Here, some stores have introduced both a payment method using a machine reading code and a payment method using non-contact communication. In order to manage sales in such a store, it is necessary to collect both the payment result by the payment method using the machine reading code and the payment result by the payment method using non-contact communication.
Generally, the payment service companies that provide these payment services are different between the payment method using a machine reading code and the payment method using non-contact communication, and even if the payment method is the same, the payment service Since there may be multiple companies, it is necessary for the store to obtain payment results from each of those payment service companies and compile these payment results, which imposes a heavy burden on sales management.

The present invention has been made in view of such circumstances, and an object of the present invention is to provide a payment system and a payment information management method that can easily manage sales even if different payment methods are used. ..

In order to solve the above-mentioned problems, the present invention is a payment system including a user terminal, a recording medium for payment, a store-side payment terminal, a payment information collection server, a payment server, and a sales management server. The store-side payment terminal includes a first payment processing unit that performs payment processing using non-contact communication by reading the payment recording medium by a non-contact type reading unit provided in the store-side payment terminal. The machine reading code output by the first transmission unit that transmits the payment information by the first payment processing unit to the payment information collection server and the output unit provided in the store-side payment terminal is read by the terminal device. The user terminal has a second payment processing unit that performs payment processing using a machine reading code, and the payment information collection server has been subjected to payment processing by the second payment processing unit. The machine reading code payment status collection unit that acquires the payment result transmitted from the payment server, the payment information by the first payment processing unit received from the store-side payment terminal, and the machine reading code payment status collection unit. It has a second transmission unit that transmits the settlement result acquired by the above to the sales management server.

Further, the present invention is a payment information management method in a payment system including a user terminal, a payment recording medium, a store-side payment terminal, a payment information collection server, a payment server, and a sales management server. In the side payment terminal, the first payment processing unit reads the payment recording medium by the non-contact type reading unit provided in the store side payment terminal, thereby performing payment processing using non-contact communication, and the first. The transmission unit transmits the payment information by the first payment processing unit to the payment information collection server, and the machine reading code output by the second payment processing unit by the output unit provided in the store-side payment terminal is By being read by the terminal device, payment processing using the machine reading code is performed on the user terminal, and in the payment information collection server, the machine reading code payment status collection unit performs payment processing by the second payment processing unit. The payment result transmitted from the payment server is acquired in response to the execution, and the second transmission unit receives the payment information by the first payment processing unit received from the store-side payment terminal and the machine reading code. This is a payment information management method for transmitting the payment result acquired by the payment status collection unit to the sales management server.

As described above, according to the present invention, the payment information by the non-contact communication payment processing unit is transmitted from the store-side payment terminal to the information collection server, and the payment result of the payment processing using the machine reading code is described. The payment server performs payment processing in response to the payment processing using the machine reading code performed between the user terminal and the store-side payment terminal, and the payment information collection server collects the result of the payment processing. Obtained from the payment server, the payment information collection server sends these payment results to the sales management server. As a result, even when sales are managed for payment services with different payment methods, they can be managed collectively.

It is a schematic block diagram which shows the structure of the payment system 1 by one Embodiment of this invention. It is a functional block diagram explaining the functional configuration of a user terminal 10. It is a functional block diagram explaining the functional structure of the store-side payment terminal 20. It is a figure which shows the concept of the 1st settlement process. It is a figure which shows the concept of the 2nd settlement process. It is a functional block diagram explaining the functional configuration of the payment information collection server 40. It is a sequence diagram explaining the operation of the payment system 1 in the case of performing the payment processing based on the first payment processing. It is a figure which shows an example of the information stored in the sales management server 50. It is a sequence diagram explaining the operation of the payment system 1 in the case of performing the payment processing based on the second payment processing. It is a sequence diagram explaining the operation of the payment system 1 in the case of performing payment processing using non-contact communication between the IC card 15 and the store-side payment terminal 20.

Hereinafter, the payment system according to the embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a schematic block diagram showing a configuration of a payment system 1 according to an embodiment of the present invention.
In this figure, the payment system 1 includes a user terminal 10, an IC (integrated circuit card) card 15, a store-side payment terminal 20, a network 30, a payment information collection server 40, a sales management server 50, a brand server 60a, and a brand server 60b. It includes a brand server 60c (hereinafter, simply referred to as a brand server 60 unless otherwise specified), a prepaid account server 80a, a credit account server 80b, a bank account server 80c, and a store-side management terminal 90.

The user terminal 10 is, for example, a smartphone, a mobile phone, or the like, and is carried by the user. In this embodiment, the case where the user is a person who purchases goods or services will be described as an example.
The user terminal 10 has a payment function for making a payment by exchanging information with the store-side payment terminal 20 or the brand server 60.
Here, FIG. 2 is a functional block diagram illustrating a functional configuration of the user terminal 10. The user terminal 10 includes, for example, an image pickup unit 101, a display unit 102, an input unit 103, a control unit 105, and a communication unit 106.
The image pickup unit 101 captures a machine reading code (for example, a two-dimensional bar code) displayed on the screen of the store-side payment terminal 20. The machine reading code displayed on the screen of the store-side payment terminal 20 is information issued for payment in response to the purchase of a product or service. The machine reading code can be issued by the brand server 60 of the brand to be paid, or the application software for payment installed on the user terminal 10 can be executed and issued by this application software. can.
The machine-reading code can include various information. For example, the machine reading code includes the payment amount, which is the amount to be settled, the user identification information that identifies the user who uses the user terminal 10, the store identification information that identifies the store where the store side payment terminal 20 is installed, or the store side. It is possible to include payment terminal identification information that identifies the payment terminal 20, brand identification information that identifies the brand to be settled, payment identification information that individually identifies the payment process, and the like, but all of these information are not necessarily used. No need.

The display unit 102 displays an input screen for inputting information necessary for making a payment using a machine reading code. For example, when it is necessary to input the payment amount on the user terminal 10, an input screen for inputting the payment amount is displayed. The input unit 103 accepts data input to an input field on the input screen displayed on the display unit 102. The display unit 102 and the input unit 103 may be configured by a touch panel, or the display unit 102 may be configured by a liquid crystal display device, and the input unit 103 may be configured by an input button such as a numeric keypad.

The control unit 105 controls each unit in the user terminal 10. The control unit 105 takes an image of the machine reading code displayed on the store-side payment terminal 20 by the image pickup unit 101, and performs a process for making a payment according to the machine reading code.
The control unit 105 performs payment processing using a machine reading code on the brand server 60 via, for example, the payment information collection server 40. As a result, the control unit 105 makes a payment using either the charge point of the user registered in advance in the prepaid account server 80a, the credit account server 80b, the bank account server 80c, or the charged cash, the bank account, or the credit account. Can be done.
The control unit 105 stores user identification information that identifies a user who uses the user terminal 10 in a memory area provided in the control unit 105. This user identification information is assigned by registering a user when starting to use the payment system 1. Since the user identification information may be used as long as the user can be individually identified, the telephone number of the user terminal 10, the individual identification number of the user terminal 10, or the like may be used. Further, when the user uses both the user terminal 10 and the IC card 15, the medium ID stored in the IC card 15 can be used as the user identification information. The medium ID is information individually assigned to the IC card 15 and can be used as identification information for identifying the IC card 15. For example, by associating the individual identification number of the user terminal 10 with the medium ID of the IC card 15 and storing it as user information in at least one of the payment information collection server 40, the brand server 60, and the sales management server 50. Regardless of whether the user terminal 10 or the IC card 15 is used, the user can be identified by uniquely specifying the user who used the user terminal 10.
The communication unit 106 communicates with each external device.

Next, FIG. 3 is a functional block diagram illustrating the functional configuration of the store-side payment terminal 20. The store-side payment terminal 20 includes a communication unit 201, an image pickup unit 202, an input unit 203, an output unit 204, a control unit 205, a storage unit 206, and a non-contact reading unit 207. One store-side payment terminal 20 may be installed in one store, or a plurality of these may be installed in one store.
The store referred to here is a facility where the store-side payment terminal 20 is installed. This store is, for example, a retail store, a transportation station, a bicycle parking lot, a parking lot, a game center, or the like. Here, the store is not limited to a facility for the purpose of selling products or providing services, but may be at least a facility capable of selling products or providing services. For example, it may be a facility such as a commercial complex or a theme park in which a plurality of stores are accommodated.
The facility referred to here may be a facility controlled by a corporation, a facility controlled by a branch office in each region, or a facility controlled by a building. The unit to be controlled and the scale of the facility are arbitrary.

Although the case where there is one store-side payment terminal 20 is described in FIG. 3, a plurality of store-side payment terminals 20 can be provided in the payment system 1. Payment terminal identification information for identifying each of the store-side payment terminals 20 is assigned to the store-side payment terminals 20. In addition, store identification information can be assigned to the store-side payment terminal 20. Both the payment terminal identification information and the store identification information may be assigned, or only one of them may be assigned. When both are assigned, sales can be aggregated for each store and for each store-side payment terminal 20.
Further, here, as the store identification information, information for individually identifying the store may be used, information for identifying the company to which the store belongs may be used, or information including both may be used. For example, when a company is a convenience store, one or both of the information for identifying the convenience store and the information for identifying the store belonging to the convenience store (for example, the XX store of convenience store A) may be used. Can be used.

The communication unit 201 communicates with each external device.
The communication unit 201 receives a machine reading code associated with the user identification information and issued for payment in response to the purchase of a product or service. Here, the machine reading code issuing function for issuing the machine reading code can be provided in, for example, the brand server 60, the user terminal 10, or another server device.
Further, the communication unit 201 has a function of transmitting payment information related to payment processing using a payment recording medium and non-contact communication to the payment information collection server 40, and payment processing using a machine reading code for the user terminal 10. It has a function of transmitting the corresponding payment information to the payment information collection server 40.

The image pickup unit 202 reads a machine reading code issued for payment in response to the purchase of a product or service. A camera can be used as the image pickup unit 202, for example.

The input unit 203 inputs various information. The input unit 203 may be, for example, an input button, or may be a touch panel and may accept touch input.

The output unit 204 outputs various information. For example, the output unit 204 may use any one or a plurality of display devices such as a liquid crystal display device, electronic paper, and a touch panel.
Further, the output unit 204 has a function of transmitting information to an external device by the communication unit 201.
Further, the output unit 204 can also output information to the printing device for printing.
The output unit 204 outputs, for example, a machine reading code.

The control unit 205 controls each unit in the store-side payment terminal 20.
The control unit 205 can perform payment processing corresponding to a plurality of types of payment methods.
The control unit 205 has a machine reading code payment processing function that performs payment processing using a machine reading code for the user terminal 10. More specifically, the control unit 205 reads the machine reading code output to the user terminal 10 by the image pickup unit 202, and sets the payment terminal identification information or the store identification information, the reading result, and the amount of money to identify the store-side payment terminal 20. The payment process is performed by either the first payment process of transmitting the payment acceptance information based on the payment information collection server 40 to the payment information collection server 40 or the second payment process of outputting the machine reading code in a state where the user terminal 10 can read it by the output unit 204. conduct. Here, the settlement route (procedure) is different between the first settlement process and the second settlement process.
Further, the control unit 205 has a non-contact communication settlement processing function that performs a third settlement process, which is a settlement process using non-contact communication with respect to the settlement recording medium. More specifically, the control unit 205 performs payment processing using the IC card 15 by communicating with the external IC card 15 by the non-contact reading unit 207.

Here, FIG. 4 is a diagram showing the concept of the first settlement process. In the first payment process, when the user terminal 10 inputs information necessary for generating a machine reading code (for example, payment amount, user identification information, etc.), a machine reading code generation request is sent to various payment processes in the present invention. When the machine reading code transmitted from the brand server 60 is transmitted to the payment server corresponding to the brand to be settled (reference numeral S1), the machine reading code is displayed on the screen (reference numeral S2). The store-side payment terminal 20 captures the displayed machine reading code (reference numeral S3), and setstles the payment terminal identification information for identifying the store-side payment terminal 20 or the payment acceptance information based on the store identification information, the reading result, and the amount of money. It is transmitted to the information collection server 40 (reference numeral S4). When the payment is completed according to this payment process, the payment completion notification is transmitted from the brand server 60 to the user terminal 10 (reference numeral S5), and the payment completion notification is sent from the brand server 60 to the store via the payment information collection server 40. It is transmitted to the side payment terminal 20 (reference numeral S6).

FIG. 5 is a diagram showing the concept of the second settlement process.
When the store-side payment terminal 20 inputs information necessary for generating a machine reading code (for example, payment amount, payment terminal identification information, etc.), a brand corresponding to the target brand for making a payment for a machine reading code generation request. When the machine reading code transmitted to the server 60 and received from the brand server 60 is received (reference numeral S11), the machine reading code is displayed on the screen in a state in which the user terminal 10 can be read (reference numeral S12).
The user terminal 10 captures the displayed machine reading code (reference numeral S13) and transmits the payment acceptance information based on the information included in the machine reading code to the brand server 60 corresponding to the brand to be settled (reference numeral S14). ). When the payment is completed according to this payment process, the payment completion notification is transmitted from the brand server 60 to the user terminal 10 (reference numeral S15), and the payment completion notification is sent from the brand server 60 to the store via the payment information collection server 40. It is transmitted to the side payment terminal 20 (reference numeral S16).

Whether to settle in the first settlement process, the second settlement process, or the third settlement process is selected by the user, or if the settlement method specified by the brand used for the settlement is followed, the settlement process. It may be either the case of following the payment method specified at the store where the payment is made, or the case of following the payment method specified according to the amount of payment. In this embodiment, a case where the user specifies a desired payment process among the first payment process, the second payment process, and the third payment process in the store where the store-side payment terminal 20 is installed will be described. Further, in the store, any of the first payment processing, the second payment processing, and the third payment processing can be supported, and the store-side payment terminal 20 can be operated according to any of the payment processing according to the user's designation. Use to process payment.

The storage unit 206 stores various information. For example, the storage unit 206 stores the history of payments made with the IC card 15 using the store-side payment terminal 20. Further, the storage unit 206 stores the payment terminal identification information and the store identification information assigned to the own store side payment terminal 20.
The non-contact type reading unit 207 communicates with the non-contact type IC card. For example, the non-contact type reading unit 207 performs wireless communication with the IC card 15 brought close to the store-side payment terminal 20 within a predetermined distance.

FIG. 6 is a functional block diagram illustrating a functional configuration of the payment information collection server 40.
The payment information collection server 40 includes a communication unit 401, a machine reading code payment management unit 402, a machine reading code payment status collection unit 403, a non-contact communication electronic money payment unit 404, a control unit 405, and a storage unit 406.
The payment information collection server 40 has a function of collecting and storing information related to payments made using the user terminal 10 and the store-side payment terminal 20.

The communication unit 401 communicates with other devices via the network 30.
The communication unit 401 collects payment information, which is information related to payment processing using non-contact communication received from the store-side payment terminal 20, and payment results acquired by the machine reading code payment status collection unit 403, which will be described later, in the sales management server 50. It has a function of transmitting to, a function of receiving payment information corresponding to a payment process using a machine reading code transmitted from a store-side payment terminal 20, and a function of transmitting the received payment information to a payment server (brand server 60). .. Here, by transmitting the payment information corresponding to the payment processing using the machine reading code transmitted from the store-side payment terminal 20 to the payment server, the payment server is made to perform the payment processing based on the payment information. It is possible to receive a payment result indicating whether or not the payment process has been completed normally.
For example, the communication unit 401 has a function of receiving payment acceptance information transmitted from the store-side payment terminal 20 in response to the first payment processing performed by the store-side payment terminal 20, and payment is made from the store-side payment terminal 20. When receiving the receipt information, it has a function of transmitting the payment acceptance information to the brand server 60 and a function of receiving the payment result which is the result of the payment being made based on the payment acceptance information by the brand server 60 receiving the payment acceptance information.
Further, in response to the second payment processing being performed, the communication unit 401 transmits payment acceptance information based on the machine reading code from the user terminal 10 to the brand server 60, and the brand server 60 makes payment based on the payment acceptance information. It has a function of receiving the payment result, which is the result of the above, from the brand server 60.

Further, the communication unit 401 has a function of transmitting the payment result stored in the storage unit 406 to the sales management server 50 when a predetermined transmission timing arrives. The transmission timing may be a fixed time interval, a timing at which a predetermined time arrives, or a timing at which a transmission request from the outside is received. The transmission timing from the outside may be a transmission request from another device such as the sales management server 50, or at the timing when the transmission instruction is input from the input device connected to the outside of the payment information collection server 40. There may be.

The machine reading code payment management unit 402 receives the information regarding the payment performed using the machine reading code by the communication unit 401 and transmits it to a device different from the transmission source. The machine reading code payment management unit 402 also has a function as a gateway between devices that make payments using the machine reading code.
The machine reading code payment status collection unit 403 collects information on payment processing using the machine reading code between the store-side payment terminal 20 and the user terminal 10 in the payment system 1, and manages sales via the communication unit 401. It has a function of periodically transmitting to the server 50. This collection is, for example, the result of the payment processing performed on the brand server 60 (payment server) in response to the payment using the machine reading code between the store-side payment terminal 20 and the user terminal 10. Get by receiving.
Non-contact communication The electronic money payment unit 404 has a function of performing payment processing using electronic money by performing non-contact communication between the store-side payment terminal 20 and the IC card 15.

The control unit 405 controls each unit in the payment information collection server 40.

The storage unit 406 stores various information such as information related to payment. Information on payment includes, for example, a payment result performed by using a machine reading code and a payment result performed by electronic money payment using non-contact communication.
The payment result made by using the machine reading code can be received by the communication unit 401. The payment result includes the payment result performed in response to the image of the two-dimensional bar code displayed on the user terminal 10 by the imaging unit 202 of the store-side payment terminal 20, and the output unit of the store-side payment terminal 20. There is a payment result made in response to the two-dimensional bar code displayed on 204 being imaged by the user terminal 10.

The settlement result of the electronic commerce payment using the non-contact communication is the non-contact communication electronic money according to the communication between the non-contact reading unit 207 of the store-side payment terminal 20 and the IC card 15. The payment result (contactless communication electronic money payment information) made by the payment unit 404 can be used.
The non-contact communication electronic commerce payment information includes data indicating payment terminal identification information that identifies the store-side payment terminal 20, the amount of payment, the date and time when payment was made, the medium type, and the medium ID. included. The medium type is information representing the type of the IC card 15, and for example, brand identification information for identifying a brand can be used. The medium ID is identification information that identifies the IC card 15. Since this information is associated with each other and stored as non-contact communication electronic commerce payment information in the storage unit 406 each time a payment is made, when the payment is made using the IC card 15 at the store-side payment terminal 20. The non-contact communication electronic commerce payment unit 404 can perform payment processing, and the payment information collection server 40 can grasp and manage information regarding the payment result.

In this embodiment, a case where the payment information collection server 40 has a function of performing payment processing of payment performed by using the IC card 15 (function of payment processing executed by the non-contact communication electronic money payment unit 404) will be described. However, it is not always necessary to have the function of payment processing using the IC card 15, and it may be provided in another device. In this case, the payment information collection server 40 may cause another device to execute the payment processing and acquire the result of the payment processing.

Further, although the storage unit 406 of the payment information collection server 40 has described the case of storing the non-contact communication electronic money payment information, it may be stored in an external server different from the payment information collection server 40. As the external server, for example, the sales management server 50 may be used.

Returning to FIG. 1, the network 30 may be any one of various networks such as the Internet and VPN, or may be configured by using two or more. Further, the network 30 may be wired or wireless, and may include both a wired section and a wireless section.

The sales management server 50 has a communication unit 51 and a sales information storage unit 52. The communication unit 51 communicates with other devices via the network 30. Further, the communication unit 51 receives payment information representing the content of the payment from the payment information collection server 40.
The sales information storage unit 52 stores the received payment information as sales information. This sales information can also be delivered to the brand server 60 of the corresponding brand on a regular basis (for example, daily or weekly). The sales management server 50 includes a server device, for example, a general-purpose computer, a personal computer, or the like.

The brand servers 60a, 60b, and 60c (hereinafter, simply referred to as a brand server 60 when it is not necessary to identify them) have a function of performing various payment processes and function as a payment server. The settlement process may be, for example, a process corresponding to any of the first settlement process, the second settlement process, and the third settlement process.
Further, here, the case where there are three brand servers 60a, 60b, and 60c will be described, but any one, two, four or more may be used.

The brand server 60a, the brand server 60b, and the brand server 60c include payment information transmitted from the sales management server 50 and payment information transmitted from the payment information collection server 40 on a regular basis (for example, every day or every week). Alternatively, the payment acceptance information) and the payment acceptance information transmitted from the user terminal 10 can be acquired.

The brand server 60a, the brand server 60b, and the brand server 60c are server devices managed by a company that operates each brand (payment service). Brands are, for example, prepaid e-commerce brands operated by distribution companies and railway companies, postpaid e-commerce brands operated by credit companies, and prepaid e-commerce brands dedicated to Internet payments. And so on. These brands support at least one of payment using a machine reading code and payment based on payment acceptance information transmitted from the payment information collection server 40.
When at least one of the brand server 60a, the brand server 60b, and the brand server 60c makes a payment by electronic money using a machine reading code, the user is specified to the machine reading code based on the machine reading code. By specifying the account to be settled based on the user identification information to be settled, the settlement can be made by the prepaid method or the postpay method.

Further, at least one of the brand server 60a, the brand server 60b, and the brand server 60c is a store-side payment terminal 20 in which a brand that makes a payment using the non-contact reading unit 207 of the store-side payment terminal 20 is used. When selected in, the electronic money can be settled using the identification information of the IC card 15 read by the non-contact type reading unit 207 of the store-side payment terminal 20.

The brand server 60a, the brand server 60b, and the brand server 60c provide user identification information and account information for specifying an account to be settled (a prepaid account for point or cash charge, a bank account, or a credit account for credit settlement). When performing payment processing, the account to be settled is specified based on the user identification information, and the account server (prepaid account server 80a, credit account server 80b, bank account) corresponding to the specified account is stored. Payment processing can be performed by communicating with the server 80c).
The brand server 60a, the brand server 60b, and the brand server 60c access an account server capable of performing payment processing and perform payment when performing payment processing. For example, the brand server 60a uses the prepaid account server 80a, the brand server 60b uses the credit account server 80b, and the brand server 60c uses the bank account server 80c to perform payment processing.
For example, the brand server 60a stores charge points in a charge account corresponding to cash in association with user identification information, and a bank associated with the user terminal 10 in response to a charge request from the user terminal 10. Charge points are charged by withdrawing from an account (for example, a bank account to be settled by the prepaid account server 80a).
Further, the brand server 60a responds to the amount of payment when there is a payment request from the user terminal 10 or when there is a payment request via the store-side payment terminal 20 using the user terminal 10. Settlement is made by subtracting the charge points from the user's charge account.
The brand server 60a makes a payment by, for example, a prepaid method.

The prepaid account server 80a performs prepaid payment by debiting the amount corresponding to the payment processing performed via the brand server 60a from the prepaid account. The prepaid account server 80a is connected to, for example, the brand server 60a and performs payment processing. The prepaid account server 80a makes a payment by a prepaid method.

The credit account server 80b is a payment using the store-side payment terminal 20, and performs credit payment by a payment method in which payment is made by a credit card. The credit account server 80b is connected to, for example, the brand server 60b and performs payment processing.
When making a payment using the credit account server 80b, for example, the payment is made by the post-pay method. That is, after the payment process is performed on the brand server 60b, the amount corresponding to the amount to be settled is deducted from the credit account corresponding to the user identification information of the user to be settled in response to the request from the brand server 60b.

The bank account server 80c is connected to the brand server 60c, and makes a payment by withdrawing the amount to be settled from the bank account corresponding to the user identification information for making the payment according to the payment processing performed via the brand server 60c. When making a payment using this bank account server 80c, for example, the payment is made by a post-pay method. That is, after the payment process is performed on the brand server 60c, the amount corresponding to the amount to be settled is deducted from the account corresponding to the user identification information of the user to be settled in response to the request from the brand server 60c. It can be said that it is a kind of credit card payment. Further, the bank account server 80c can perform payment according to so-called debit payment by performing a payment process in which an amount corresponding to the purchase amount is deducted from the user's bank account without using charge points.
The user can also make a payment from a credit account or a prepaid account by making a payment at the store-side payment terminal 20 using the user terminal 10 or the IC card 15.

The store-side management terminal 90 is provided in the store where the store-side payment terminal 20 is provided. By using the store-side management terminal 90, the store manager can refer to the history of payments made using the store-side payment terminal 20. The store-side management terminal 90 can refer to, for example, the payment history stored in the storage unit 206 of the store-side payment terminal 20. Further, among the sales information stored in the sales management server 50, it is possible to refer to the sales information for which payment has been made at the own store. In this way, the store-side management terminal 90 can refer to both the history of non-contact communication electronic commerce payments made at its own store and the history of payments using machine reading codes. Further, as the payment history using the machine reading code, both the payment history of the first payment processing and the payment history of the second payment processing can be referred to.

Next, the operation of the payment system 1 described above will be described.
FIG. 7 is a sequence diagram illustrating the operation of the payment system 1 when the payment process based on the first payment process is performed. The payment process may be performed by any of the first payment process, the second payment process, and the third payment process in the payment system 1, but in this example, the payment process is performed by the first payment process according to the user's designation. Will be explained.
When the payment application software is activated by the user, the user terminal 10 accepts the user input of the payment amount on the screen of the payment function (step S101). Any method may be used for inputting this amount, but there are, for example, three methods. That is, in the store where the store-side payment terminal 20 is installed, the user terminal 10 reads and reads the product code including the information indicating the price of the product on the shelf tag attached to the product display shelf on which the product is displayed. The price information may be input by the control unit 105 by extracting the price information from the product. The target for reading this product code may be not only the shelf label but also the barcode attached to the product as the product code. Then, when there are a plurality of products to be purchased, the amount input may be accepted by reading the product code of the shelf label corresponding to each product and calculating the total value.
Further, as a method of inputting the amount of money, the amount of money corresponding to the selected product may be extracted by selecting and inputting the product to be purchased on the Web. For example, a user visits a store, picks up a product to be purchased, accesses a Web page provided by the store by a user terminal 10, moves to a page on which the product to be purchased is posted, and uses the product or product. By inputting the price from the input unit 103, the input of the amount is accepted.
Further, in addition to the two methods for inputting the amount of money, the user himself / herself may input the amount of money from the input unit 103 to accept the input of this amount of money.

When the amount of money is input, the control unit 205 of the user terminal 10 sends the request for generating the payment machine reading code and the user identification information of the own user terminal 10 to the brand server 60 corresponding to the brand to be settled. Transmit (step S102). If there are multiple brands that can be used at the store where payment is made, the user may select from among the brands that can be used for payment, and if a specific brand that can be used at that store is specified. The brand is selected for. This brand selection is selected and input by the user on the brand selection screen of the user terminal 10.

Upon receiving the machine reading code generation request, the brand server 60 generates machine reading code generation data for generating the machine reading code using the user identification information, payment identification information, and brand identification information of the user terminal 10. (Step S401), the machine reading code generation data is transmitted to the user terminal 10 of the generation request source (step S402). The payment identification information is information that individually identifies one payment process, and is generated by the brand server 60. By using this payment identification information, it is possible to individually specify the payment procedure. The brand identification information is information that identifies the brand of the own brand server 60. This brand identification information is assigned to each brand server 60.
Here, the case where the brand server 60 generates the machine reading code generation data by using the user identification information, the payment identification information, and the brand identification information has been described. However, the user terminal 10 makes a request for generating the machine reading code to the brand server. When transmitting to 60, the user may be asked to input the amount to be settled, and the amount may be received together with the machine reading code generation request. As a result, the brand server 60 can also generate machine reading code generation data including the amount of money in addition to the user identification information, the payment identification information, and the brand identification information.

Upon receiving the machine reading code generation data, the control unit 105 of the user terminal 10 generates a machine reading code based on the received machine reading code generation data and the amount of money input in step S101 (step S103).
Here, the case of using the machine reading code generation data obtained by making the machine reading code generation request to the brand server 60 has been described, but the control of the user terminal 10 without communicating with the brand server 60 has been described. The unit 105 may generate a machine reading code using the user identification information, the amount of money, and the brand identification information. In this case, the brand identification information may be selected and input for the brand when inputting the amount to be settled.

When the machine reading code is generated, the user terminal 10 displays the generated machine reading code on the display unit 102 (step S104). When the machine reading code is displayed, the user directs the display unit 102 of the user terminal 10 to a range in which the image pickup unit 202 of the store-side payment terminal 20 can be imaged.

The image pickup unit 202 of the store-side payment terminal 20 captures the machine reading code displayed on the display unit 102 of the user terminal 10 (step S201). The control unit 205 of the store-side payment terminal 20 transmits or images the captured machine reading code and the payment terminal identification information assigned to the own store-side payment terminal 20 to the payment information collection server 40 as payment acceptance information. The amount, user identification information, payment identification information, and brand identification information are extracted from the machine reading code, and the extracted information and the payment terminal identification information are transmitted to the payment information collection server 40 as payment acceptance information (step S202).
Here, the case where the brand identification information is included in the machine reading code has been described, but it does not have to be included in the machine reading code. In this case, when the store-side payment terminal 20 captures the machine reading code by the image pickup unit 202, the brand to be settled is selected and input from the brands displayed on the output unit 204 of the store-side payment terminal 20. You may ask them to do it. Then, the brand identification information of the selected and input brand may be transmitted to the payment information collection server 40 together with the information obtained from the machine reading code.
Further, although the case where the amount to be settled is included in the machine reading code has been described, it does not have to be included in the machine reading code. In this case, when the machine reading code is photographed by the image pickup unit 202, the store clerk may input the amount to be settled from the input unit 203 of the store side payment terminal 20.
Further, although the case where the payment terminal identification information included in the payment acceptance information is set by the store-side payment terminal 20 has been described, the payment terminal identification information may be set in the user terminal 10. For example, when the user terminal 10 inputs the amount of money, the user terminal 10 includes the payment terminal identification information (or the store identification information) in the product code of the shelf label attached to the product display shelf, so that the amount of money is input. You may also enter the payment terminal identification information in. In addition, by setting the payment terminal identification information (or store identification information) on the Web page when selecting and inputting the product to be purchased on the Web, the payment terminal identification information (or the payment terminal identification information) can be set when selecting and inputting the amount. Alternatively, the store identification information) may be input by extracting it from the Web page.

Further, when the machine reading code is displayed on the display unit 102 of the user terminal 10, the amount to be settled may also be displayed as a number. In this case, the store clerk may make the store-side payment terminal 20 read after confirming whether or not the amount displayed on the display unit 102 is correct. In this case, since the machine reading code can be read after confirming that the amount to be settled is correct, the settlement process can be proceeded with an error-free amount.

When the machine reading code payment management unit 402 of the payment information collection server 40 receives the payment acceptance information, the received payment acceptance information is stored in the storage unit 406 and the brand of the brand corresponding to the brand identification information included in the payment acceptance information. This payment acceptance information is transmitted to the server 60 (step S301).

When the brand server 60 receives the payment acceptance information from the payment information collection server 40, the brand server 60 makes a payment based on the user identification information and the amount of money included in the payment acceptance information. For example, when the brand server 60 that has received the payment acceptance information is a brand that makes a payment by a prepaid method, the charge account corresponding to the user identification information included in the payment acceptance information is specified, and the amount included in the payment acceptance information. The withdrawal process, which is the process of withdrawing the charge points corresponding to the above from the charge account, is executed (step S403).
When the withdrawal process is performed correctly, the brand server 60 transmits a payment completion notification indicating that the withdrawal process is completed correctly to the payment information collection server 40 together with the payment identification information included in the payment acceptance information (step S404). Further, the brand server 60 transmits a payment completion notification together with the payment identification information to the user terminal 10 corresponding to the user identification information as a transmission destination based on the user identification information included in the payment acceptance information (step S405).

When the machine reading code payment management unit 402 of the payment information collection server 40 receives the payment completion notification and the payment identification information from the brand server 60, it refers to the storage unit 406 and inputs the payment acceptance information corresponding to the received payment identification information. The payment terminal identification information specified and included in the specified payment acceptance information is specified, and the payment completion notification and the payment identification information are transmitted to the store-side payment terminal 20 corresponding to the payment terminal identification information (step S302). .. Further, the machine reading code payment management unit 402 of the payment information collection server 40 associates the specified payment acceptance information with the information indicating the completion of payment and stores it in the storage unit 406 (step S303).
Then, when the predetermined transmission timing arrives, the machine reading code payment status collecting unit 403 of the payment information collection server 40 indicates that the payment acceptance information stored in the storage unit 406 and the payment method are machine reading codes. Sales information including information and information indicating payment completion is transmitted to the sales management server 50 (step S304). When the sales management server 50 receives the sales information or the like by the communication unit 51, the sales management server 50 stores the received sales information in the sales information storage unit 52 (step S501).
As shown in FIG. 8, for example, the sales management server 50 stores user identification information, amount of money, brand identification information, payment terminal identification information, date and time, product information, payment method, and the like in association with each other.
The date and time information may be the time when the payment information collection server 40 receives the payment completion notification, or the payment information collection server 40 may include it in the sales information and transmit it to the sales management server 50.
Further, the product information is obtained, for example, when the user terminal 10 reads a product code such as a product display shelf at a stage in which the user inputs the amount of money via the input unit 103 in the process of inputting the amount of money in step S101. You may acquire the product information included in the product code and use this product information, or use the product information obtained from the data on the Web when the product to be purchased is selected and input on the Web. You may do it. Then, the user terminal 10 may generate a machine reading code including the obtained product information in step S103. Then, by including the product information in the payment acceptance information, it can be stored as sales information in the sales management server 50.
The payment method includes information representing any payment method such as payment by electronic money using non-contact communication (for example, NFC (Near Field Communication)), payment using a machine reading code, and the like. These information can be included in the payment result (sales information) and transmitted by the payment information collection server 40 in the payment using the machine reading code, and the store side payment in the payment by electronic money using non-contact communication. The terminal 20 can include it in the payment result (sales information) and transmit it.

When the store-side payment terminal 20 receives the payment completion notification and the payment identification information from the payment information collection server 40, the store-side payment terminal 20 associates the generated payment acceptance information with the information indicating the payment completion and stores it in the storage unit 206, and stores it in the storage unit 206. Displays information indicating the completion of payment based on the payment completion notification. For example, a message such as "payment is completed" is displayed on the display screen of the output unit 204, and a light emitting element such as an LED (light emitting diode) is blinked a predetermined number of times. As a result, the store clerk hands over the product or the like to the user after confirming that the payment has been completed (step S205).

On the other hand, when the control unit 105 of the user terminal 10 receives the payment completion notification from the brand server 60, the control unit 105 displays on the screen of the display unit 102 that the payment corresponding to the read machine reading code has been completed (step S105). ..

When the brand server 60 transmits the payment completion notification to the payment information collection server 40 and the user terminal 10, the brand server 60 processes the payment amount to the store account of the store-side payment terminal 20 (step S404).

FIG. 9 is a sequence diagram illustrating the operation of the payment system 1 in the case of performing a payment process based on the second payment process.
The store-side payment terminal 20 accepts the amount to be settled, the payment method, and the selection input of the brand (steps S251 and S252). For example, on the display screen of the output unit 204 of the store-side payment terminal 20, there is an option of inputting a payment amount and specifying a payment method of payment using a machine reading code or payment using electronic money. And options to specify the available brands are displayed. The user refers to the display screen, inputs the amount to be settled, selects the payment method and brand, and inputs the selected contents. As the amount of money, the clerk may input the amount of money calculated based on the purchase target, or the amount of money information output from the POS (Point of sale system) may be taken in. Further, the payment method and the brand may be input by the clerk after hearing from the user.

When the amount, payment method, and brand are input, the control unit 205 of the store-side payment terminal 20 requests generation of a payment machine reading code, the amount, payment method, brand identification information of the input brand, and the own store side. The payment terminal identification information of the payment terminal 20 is transmitted to the payment information collection server 40 (step S253).
When the machine reading code payment management unit 402 of the payment information collection server 40 receives the payment machine reading code generation request and the amount, payment method, brand identification information, and payment terminal identification information, the storage unit 406 associates them with each other. It is stored in the brand server 60 and transmitted to the brand server 60 corresponding to the brand identification information (step S351).
Upon receiving these information, the brand server 60 generates machine reading code generation data for generating a machine reading code using the payment terminal identification, the payment identification information, and the brand identification information (step S451), and the payment information. It is transmitted to the collection server 40 (step S452).
When the machine reading code payment management unit 402 of the payment information collection server 40 receives the machine reading code generation data, the machine reading code generation data is transmitted to the requesting store-side payment terminal 20 (step S352).
Upon receiving the machine reading code generation data, the store-side payment terminal 20 displays the machine reading code on the screen of the output unit 204 (step S254). Here, the message "Please read the two-dimensional code with the terminal device for payment" may be displayed on the display screen.

When the user confirms the message displayed on the screen of the store-side payment terminal 20, the user activates the payment function of the user terminal 10 carried by the user to activate the camera function provided in the user terminal 10 (step S151). ), The machine reading code displayed on the store-side payment terminal 20 is imaged (step S152).
When the user terminal 10 reads the machine reading code, it generates the read machine reading code and the payment acceptance information including the user identification information, and the generated payment acceptance information corresponds to the brand identification information included in the machine reading code. It is transmitted to the brand server 60 (step S153). Here, the machine reading code may be transmitted as it is, or the machine reading code may be analyzed to extract and transmit the brand identification information, the amount of money, the payment terminal identification information, and the payment identification information.

When the brand server 60 receives the payment acceptance information from the user terminal 10, the brand server 60 analyzes the machine reading code included in the payment acceptance information to obtain brand identification information, product identification information, amount of money, payment terminal identification information, and payment identification information. Settlement is performed by performing a withdrawal process by subtracting charge points based on the amount to be settled from the user's charge account that is extracted and corresponds to the user identification information (step S452).
When the withdrawal process is performed correctly, the brand server 60 transmits a payment completion notification including the payment completion indicating that the withdrawal process is completed correctly to the payment information collection server 40 together with the payment identification information included in the payment acceptance information ( Step S453). Further, the brand server 60 transmits a payment completion notification together with the payment identification information to the user terminal 10 corresponding to the user identification information as a transmission destination based on the user identification information included in the payment acceptance information (step S454).

When the machine reading code payment management unit 402 of the payment information collection server 40 receives the payment completion notification and the payment identification information from the brand server 60, it refers to the storage unit 406 and inputs the payment acceptance information corresponding to the received payment identification information. The payment terminal identification information specified and included in the specified payment acceptance information is specified, and the payment completion notification and the payment identification information are transmitted to the store-side payment terminal 20 corresponding to the payment terminal identification information (step S353). .. Further, the machine reading code payment management unit 402 of the payment information collection server 40 associates the specified payment acceptance information with the information indicating the completion of payment and stores it in the storage unit 406 (step S354).

When the control unit 205 of the store-side payment terminal 20 receives the payment completion notification and the payment identification information from the payment information collection server 40, the amount, payment method, and brand identification transmitted to the payment information collection server 40 in step S253. The payment completion notification and the payment identification information are stored in the storage unit 206 in association with the information and the payment terminal identification information, and the output unit 204 displays the information indicating the payment completion based on the payment completion notification. For example, a message such as "payment is completed" is displayed on the display screen of the output unit 204, and a light emitting element such as an LED (light emitting diode) is blinked a predetermined number of times. As a result, the store clerk hands over the product or the like to the user after confirming that the payment has been completed (step S255).

On the other hand, when the user terminal 10 receives the payment completion notification from the brand server 60, the user terminal 10 displays on the screen that the payment corresponding to the machine reading code photographed by the image pickup unit 101 has been completed (step S155). As a result, the user can confirm that the payment for the payment processing procedure performed by the user has been completed.

Then, when the predetermined transmission timing arrives, the machine reading code payment status collecting unit 403 of the payment information collection server 40 indicates that the payment acceptance information stored in the storage unit 406 and the payment method are machine reading codes. Sales information including information and information indicating payment completion is transmitted to the sales management server 50 (step S355). Upon receiving the sales information, the sales management server 50 stores the sales information in the sales information storage unit 52 (step S551).

After transmitting the payment completion notification to the payment information collection server 40 and the user terminal 10, the brand server 60 processes the payment amount to the store account of the store-side payment terminal 20 (step S453).

According to the embodiment described above, even when payments are made by different payment routes such as the first payment processing and the second payment processing, the payment history is aggregated in the payment information collection server 40. It is periodically stored in the sales management server 50. In particular, when performing payment processing using a machine reading code, information corresponding to the item for which sales management is to be performed (for example, any information among payment amount, user identification information, brand identification information, etc.) is settled on the store side. Even if the payment process is performed without being notified to the terminal 20, the payment information collection server 40 collects such information. As a result, the store manager can collectively aggregate the payment history by using the information collected by the payment information collection server 40 even if the payment route is different, and can be used as sales information. Can be grasped. This simplifies sales management.

In the above-described embodiment, the case where the payment information collection server 40 communicates with the brand server 60 via the network 30 has been described. At least one brand server 60 among the plurality of brand servers 60 may communicate with other devices via an intermediary server. In such a case, the payment information collection server 40 transmits the payment acceptance information to the brand server 60 by transmitting to the intermediary server connected to the brand server 60 to which the payment acceptance information is transmitted. Then, the payment information collection server 40 receives the payment result, which is the result of the payment processing according to the payment acceptance information, from the brand server 60 via the intermediary server. As a result, the payment information collection server 40 can also communicate with the brand server 60 that communicates via the intermediary server via the intermediary server and collect the payment result.

Further, in the above-described embodiment, the first payment process and the second payment process have been described as different payment routes, but the IC card 15 is performed by using the non-contact type reading unit 207 of the store-side payment terminal 20. Regarding the third payment process, the payment information collection server 40 may collect information related to payment and store it in the sales management server 50. As a result, sales information can be easily managed collectively even if a payment system that can handle other payment methods as well as a plurality of types of payment methods using a machine reading code is constructed.

FIG. 10 is a sequence diagram illustrating the operation of the payment system 1 when payment processing is performed between the IC card 15 and the store-side payment terminal 20 using non-contact communication.
The store-side payment terminal 20 accepts the amount to be settled, the payment method, and the selection input of the brand (steps S261 and S262). Here, the amount input method and the brand selection method can be performed in the same manner as in steps S251 and S252 of FIG. As the payment method, payment using non-contact communication is selectively input.
When the amount, payment method, and brand are input, the control unit 205 of the store-side payment terminal 20 displays a message on the display screen of the output unit 204 to bring the IC card closer to the store-side payment terminal 20 (step S263).
Upon seeing this message, the user reads the IC card 15 with respect to the non-contact reading unit 207 (step S161). That is, the user brings his / her own IC card 15 close to the non-contact reading unit 207 of the store-side payment terminal 20 within a communicable range.
The non-contact reading unit 207 of the store-side payment terminal 20 reads the medium ID from the approached IC card 15 (step S264), and the brand identification information and the medium ID indicating the amount, payment method, and brand, and the own store-side payment terminal. By transmitting the payment terminal identification information and the payment identification information of 20 as payment acceptance information to the payment information collection server 40, a withdrawal request is made (step S265).
When the non-contact communication electronic money payment unit 404 of the payment information collection server 40 receives the payment acceptance information, the received payment acceptance information is stored in the storage unit 406 and the brand corresponding to the brand identification information included in the payment acceptance information is stored. This payment acceptance information is transmitted to the brand server 60 (step S361).

When the brand server 60 receives the payment acceptance information from the payment information collection server 40, the brand server 60 makes a payment based on the medium ID (user identification information) and the amount of money included in the payment acceptance information. For example, when the brand server 60 that has received the payment acceptance information is a brand that makes a payment by a prepaid method, the charge account corresponding to the user identification information included in the payment acceptance information is specified, and the amount included in the payment acceptance information. The withdrawal process, which is the process of withdrawing the charge points corresponding to the above from the charge account, is executed (step S461).
When the withdrawal process is performed correctly, the brand server 60 transmits a payment completion notification indicating that the withdrawal process is completed correctly to the payment information collection server 40 together with the payment identification information included in the payment acceptance information (step S462).
When the non-contact communication electronic money payment unit 404 of the payment information collection server 40 receives the payment completion notification and the payment identification information from the brand server 60, it refers to the storage unit 406 and the payment acceptance information corresponding to the received payment identification information. Is specified, the payment terminal identification information included in the specified payment acceptance information is specified, and the payment completion notification and the payment identification information are transmitted to the store-side payment terminal 20 corresponding to the payment terminal identification information (step S362). ). Here, when the brand server 60 has a function of transmitting payment terminal identification information together with a payment completion notification, the non-contact communication electronic commerce payment unit 404 of the payment information collection server 40 corresponds to the received payment terminal identification information. The payment completion notification and the payment identification information may be transmitted to the store-side payment terminal 20.

The non-contact communication electronic commerce payment unit 404 of the payment information collection server 40 associates the specified payment acceptance information with information indicating payment completion and stores it in the storage unit 406 (step S363).

Then, the non-contact communication electronic commerce payment unit 404 of the payment information collection server 40 represents payment method information indicating that the payment acceptance information and the payment method are electronic money payment (NFC) using non-contact communication, and payment completion. The payment result including the information is transmitted to the sales management server 50 by the communication unit 401 (step S364). Here, this payment result can be transmitted as sales information.

When the sales management server 50 receives the sales information by the communication unit 51, the sales management server 50 stores the sales information in the sales information storage unit 52 (step S561). As a result, the payment using the non-contact communication is stored as a history in the payment information collection server 40.

On the other hand, when the store-side payment terminal 20 receives the payment completion notification and the payment identification information from the payment information collection server 40, the store-side payment terminal 20 associates the generated payment acceptance information with the information indicating the payment completion and stores it in the storage unit 206 (step). S267), the output unit 204 displays information indicating the completion of payment based on the payment completion notification (step S268). For example, a message such as "payment is completed" is displayed on the display screen of the output unit 204, and a light emitting element such as an LED (light emitting diode) is blinked a predetermined number of times. After confirming that the payment has been completed, the store clerk hands over the product or the like to the user (step S270).
When the brand server 60 sends the payment completion notification to the payment information collection server 40, the brand server 60 performs a payment process for paying the settled amount to the store account of the store-side payment terminal 20 (step S462).

As described above, regarding payment processing using non-contact communication, payment processing is performed between the store-side payment terminal 20 that has performed non-contact communication with the IC card 15 and the payment information collection server 40, and payment information is collected. The payment process is performed between the server 40 and the brand server 60.
On the other hand, regarding the payment processing using the machine reading code, the payment information collection server 40 communicates with the store-side payment terminal 20 that has performed the payment processing using the machine reading code and the payment information collection server 40. By communicating with the brand server 60, the payment information collection server 40 can obtain the payment result of the payment process using the machine reading code.
Here, in the payment process using the machine reading code, there is a payment route in which the information representing the amount to be settled is completed without going through the payment information collection server 40 or the store-side payment terminal 20. For example, when examining a modified example of the second payment process in FIG. 5 described above among payments using a machine reading code, the machine reading code is displayed on the display screen of the store-side payment terminal 20, and the user terminal 10 displays the machine reading code. In some cases, the machine reading code is imaged, the payment amount is input on the user terminal 10, and the payment acceptance information is transmitted to the brand server 60. In such a case, the information regarding the amount of money does not go through the store-side payment terminal 20 at the stage of proceeding with the payment processing. Even in such a case, since the payment information collection server 40 acquires the payment result of the payment process using the machine reading code from the brand server 60, the payment result can be collected.
In this way, even if the payment route differs depending on the payment method, the payment information collection server 40 collects the payment information. Therefore, the payment processing using non-contact communication and the payment processing using the machine reading code can be performed. For both, payment information can be obtained and transmitted to the sales management server 50, and sales information can be centrally managed.
Here, even if there are a plurality of brands, the settlement result can be obtained from the brand server 60 of each brand, so that the sales information can be easily controlled.
As described above, when the payment method is different, the payment route is also different, but even in such a case, according to the present embodiment, by utilizing the payment information collection server 40, any payment route can be used. Even if it is done, the sales information can be aggregated in the sales management server 50.

Further, after the sales information is aggregated in the sales management server 50, the store identification information included in the sales information is used to aggregate the sales information for each store identification information, so that the settlement process using non-contact communication can be performed. Sales can be managed by totaling for each payment process of payment processing using a machine reading code.
When a plurality of store-side payment terminals 20 are installed in one store, each store-side payment terminal 20 is based on the store identification information of each of the plurality of store-side payment terminals 20 installed in the store. It is also possible to aggregate sales information.

The settlement date and time may be used for the sales information. For example, when the store-side payment terminal 20 performs payment processing, the date and time information at that time may be added to the payment result or the like. This makes it possible to perform aggregation based on the sales date.

The store-side payment terminal 20 or the payment information collection server 40 in the above-described embodiment may be realized by a computer. In that case, a program for realizing this function may be recorded on a computer-readable recording medium, and the program recorded on the recording medium may be read by a computer system and executed. The term "computer system" as used herein includes hardware such as an OS and peripheral devices. Further, the "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, or a CD-ROM, and a storage device such as a hard disk built in a computer system. Further, a "computer-readable recording medium" is a communication line for transmitting a program via a network such as the Internet or a communication line such as a telephone line, and dynamically holds the program for a short period of time. It may also include a program that holds a program for a certain period of time, such as a volatile memory inside a computer system that is a server or a client in that case. Further, the above program may be for realizing a part of the above-mentioned functions, and may be further realized for realizing the above-mentioned functions in combination with a program already recorded in the computer system. It may be realized by using a programmable logic device such as FPGA (Field Programmable Gate Array).

Although the embodiments of the present invention have been described in detail with reference to the drawings, the specific configuration is not limited to this embodiment, and includes designs and the like within a range that does not deviate from the gist of the present invention.

10 ... user terminal, 15 ... IC card, 20 ... store-side payment terminal, 30 ... network, 40 ... payment information collection server, 50 ... sales management server, 51 ... communication unit, 52 ... sales information storage unit, 60, 60a, 60b, 60c ... Brand server, 80a ... Prepaid account server, 80b ... Credit account server, 80c ... Bank account server, 90 ... Store management terminal, 101, 202 ... Imaging unit, 102 ... Display unit, 103, 203 ... Input unit , 105, 205,405 ... Control unit, 106,201,401 ... Communication unit, 204 ... Output unit, 206,406 ... Storage unit, 207 ... Non-contact reading unit, 402 ... Machine reading code payment management unit, 403 ... Machine reading code payment status collection unit, 404 ... Non-contact communication electronic money payment unit

Claims (4)

A payment system that includes a user terminal, a payment recording medium, a store-side payment terminal, a payment information collection server, a payment server, and a sales management server.
The store-side payment terminal is
A first payment processing unit that performs payment processing using non-contact communication by reading the payment recording medium with a non-contact type reading unit provided in the store-side payment terminal .
A first transmission unit that transmits payment information by the first payment processing unit to the payment information collection server, and a first transmission unit.
A second payment processing unit that performs payment processing using the machine reading code for the user terminal by reading the machine reading code output by the output unit provided in the store-side payment terminal by the terminal device. ,
Have,
The payment information collection server is
A machine reading code payment status collection unit that acquires a payment result transmitted from the payment server in response to the payment processing performed by the second payment processing unit.
A payment system having a second transmission unit that transmits payment information by the first payment processing unit received from the store-side payment terminal and payment results acquired by the machine reading code payment status collection unit to the sales management server. The store-side payment terminal is
It has a third transmission unit that transmits payment information corresponding to the payment processing performed by the second payment processing unit to the payment information collection server.
The payment information collection server is
It has a fourth transmission unit that transmits payment information by the second payment processing unit to the payment server.
The machine reading code payment status collection unit
The payment system according to claim 1, wherein the payment result transmitted from the payment server is acquired in response to the payment information being transmitted to the payment server by the fourth transmission unit. The machine reading code payment status collection unit
The first or second claim, wherein the payment result transmitted from the payment server is acquired in response to the payment information being transmitted from the user terminal to the payment server in response to the payment processing by the second payment processing unit. Payment system. It is a payment information management method in a payment system including a user terminal, a recording medium for payment, a payment terminal on the store side, a payment information collection server, a payment server, and a sales management server.
The store-side payment terminal is
The first payment processing unit reads the payment recording medium by the non-contact type reading unit provided in the store-side payment terminal, thereby performing payment processing using non-contact communication.
The first transmission unit transmits the payment information by the first payment processing unit to the payment information collection server.
The second payment processing unit reads the machine reading code output by the output unit provided in the store-side payment terminal by the terminal device, so that the user terminal can perform payment processing using the machine reading code. Do,
The payment information collection server is
The machine reading code payment status collection unit acquires the payment result transmitted from the payment server in response to the payment processing performed by the second payment processing unit.
The second transmission unit transmits the payment information received from the store-side payment terminal by the first payment processing unit and the payment result acquired by the machine reading code payment status collection unit to the sales management server. Method.

Images