JP7133080B2 - Payment processing method and payment processing device - Google Patents

Description

The present invention relates to a payment processing method and a payment processing device.

Code settlement using a two-dimensional bar code such as a QR code (registered trademark) is widespread (for example, see Patent Document 1 and Patent Document 2). In the code payment, the user terminal reads a two-dimensional barcode displayed by the store, or the store reads the two-dimensional barcode displayed by the user terminal.

Japanese Patent No. 6528160 Japanese Patent No. 6473539

There is a service that allows a user who is a member of a store to acquire benefits such as points issued by the store based on the payment made at the store. In order for the user to obtain benefits when purchasing products using code payment, the user must present a membership card or application screen that indicates that the user is a member of the store to the store. It was necessary to acquire member information from the card or application screen. For this reason, the user has to operate the terminal corresponding to the code payment and the presentation work for obtaining the privilege step by step, which causes a burden on the user.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a payment processing method and a payment processing apparatus that can reduce the burden on the user at the time of payment.

A settlement processing method according to a first aspect of the present invention is a computer-executed method for receiving, from a user terminal used by a user, first user identification information and second user identification information for identifying the user, and receiving a step of associating the first user identification information and the second user identification information and storing them in a storage unit; payment information relating to the user's purchase of goods or services at the store from a store terminal corresponding to the store; a step of receiving a payment code issuance request for making a payment; and a step of transmitting a payment data string for generating the payment code to the store terminal when the payment code issuance request is received. receiving the payment data string and the first user identification information from the user terminal that read the payment code displayed by the store terminal based on the payment data string; executing payment based on the first user identification information received from the user terminal and the payment information corresponding to the payment data string received from the user terminal; and the payment information received from the shop terminal; obtaining privilege grant information indicating that a privilege based on the second user identification information stored in the storage unit in association with the first user identification information received from the user terminal has been granted to the user; and a step.

A payment processing method according to a second aspect of the present invention is executed by a computer and receives, from a user terminal used by a user, first user identification information and second user identification information for identifying the user, and a step of associating the first user identification information and the second user identification information and storing them in a storage unit; and generating a payment code for making payment corresponding to store information for identifying a store. a step of storing the payment data string in the storage unit; and reading the payment code displayed at the store based on the payment data string, from the user terminal reading the payment data string and the user's a step of receiving payment information relating to purchase of goods or services at the store and the first user identification information; the first user identification information and the payment information received from the user terminal; and the payment information received from the user terminal. executing payment based on the store information corresponding to the payment data string; and the payment information received from the user terminal and the first user identification information received from the user terminal associated with the and acquiring privilege grant information indicating that a privilege based on the second user identification information stored in a storage unit has been granted to the user.

A payment processing apparatus according to a third aspect of the present invention receives, from a user terminal used by a user, first user identification information and second user identification information for identifying the user, and the received first user The identification information and the second user identification information are associated with each other and stored in the storage unit, and the payment data string for generating the payment code for payment corresponding to the shop information for identifying the shop is set as described above. and a user terminal that reads the payment code displayed at the store on the basis of the payment data string and the user's product or product at the store. a payment information receiving unit for receiving payment information related to the purchase of a service and the first user identification information; the first user identification information and the payment information received from the user terminal; and the payment information received from the user terminal. a payment processing unit that executes payment based on the store information corresponding to the payment data string; the payment information received from the user terminal; and the first user identification information received from the user terminal. an acquisition unit that acquires privilege grant information indicating that a privilege based on the second user identification information stored in the storage unit has been granted to the user.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability to reduce a user's burden at the time of settlement.

It is a figure which shows the outline of a payment system. It is a figure which shows the functional structure of a payment processing apparatus. It is a figure which shows an example of user cooperation information. 3 is a diagram showing a functional configuration of a user terminal; FIG. It is a figure which shows the function structure of a shop terminal. It is a figure which shows the functional structure of a point management apparatus. FIG. 4 is an operation sequence diagram of the settlement system; FIG. 8 is an operation sequence diagram following FIG. 7; FIG. 10 is an operation sequence diagram of the payment system when the store terminal issues a payment code issue request before the user purchases the product; FIG. 10 is an operation sequence diagram following FIG. 9;

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of a settlement system S. As shown in FIG. When a user purchases a product or service at a store, the settlement system S causes the store terminal 3 to display a settlement code in response to a request from the store terminal 3, and confirms that the user terminal has read the settlement code. It is a system that performs settlement according to what is specified by a processing device. The settlement code is a text or image that can be read by a store-side terminal used for settlement at the store, and is a code used at the time of settlement.

The payment system S includes a payment processing device 1, a user terminal 2, a store terminal 3, and a point management device 4 as a privilege management device. The settlement processing device 1 is a server that settles the purchase price. The user terminal 2 is an information terminal used by a user, such as a smart phone, tablet, or personal computer. The store terminal 3 is, for example, a POS terminal.

The point management device 4 is, for example, a server that manages privileges that can be used in stores. The privilege is, for example, points or coupons for discounting the purchase amount at the store at the time of payment. In the present embodiment, the explanation will proceed assuming that the privilege is the point. The point management device 4 is managed by a business or store that issues points. Although only one point management device 4 is shown in the example shown in FIG. 1, it is assumed that there are point management devices 4 managed by a plurality of businesses or shops.
The flow up to completion of payment will be described below with reference to FIG.

A user purchases a product or service at a store. A clerk at the store reads the bar code attached to the product to be purchased at the store terminal 3 when the user pays the bill at the store. The store terminal 3 calculates the settlement amount at the store, which indicates the total amount of products purchased by the user. Further, the store clerk performs an operation on the store terminal 3 to display the settlement code on the store terminal 3 . The store terminal 3 transmits a payment code issue request and payment information regarding the purchase of a product or service to the payment processing device 1 ((1) in FIG. 1). The payment information includes the calculated payment amount and a shop ID as shop information for identifying the shop.

When the payment processing apparatus 1 receives a payment code issue request and payment information from the shop terminal 3, it generates a payment token ((2) in FIG. 1). The payment token is a data string used when the shop terminal 3 generates a payment code that the shop terminal 3 presents to the user. Here, the payment token may be generated only for a specific shop specified by the shop ID included in the payment information. The payment processing apparatus 1 associates the generated payment token with the payment information and stores them in the storage medium ((3) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the store terminal 3 ((4) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the shop terminal 3 after encrypting the payment token.

The store terminal 3 generates and displays a payment code based on the received payment token ((5) in FIG. 1).
The user terminal 2 reads the settlement code displayed on the store terminal 3 by, for example, user's operation ((6) in FIG. 1). The user terminal 2 transmits the first user ID and the payment token indicated by the read payment code to the payment processing apparatus 1 ((7) in FIG. 1). The first user ID is, for example, a user ID given to the user by an operator who provides services related to the payment processing apparatus 1 .

When receiving the first user ID and the payment token from the user terminal 2 , the payment processing device 1 determines whether the received payment token matches the payment token sent to the store terminal 3 . When determining that the payment tokens match, the payment processing apparatus 1 identifies payment information stored in association with the received payment token. The payment processing device 1 transmits the specified payment information and the second user ID as the second user identification information for identifying the user to the point management device 4, and receives the points given to the user from the point management device 4. (8) in FIG. 1). It is assumed that the second user ID is pre-associated with the received first user ID.

Further, when the payment processing device 1 determines that the payment tokens match, the payment processing device 1 executes payment processing based on the first user ID received from the user terminal 2 and the payment information associated with the payment token. ((9) in FIG. 1). The payment processing apparatus 1 transmits the received point award information and payment completion information indicating that the payment has been completed to the user terminal 2 ((10) in FIG. 1).

By operating the payment system S as described above, the user can send a membership card indicating that the user is a member of the store or an application screen to the store in order to receive points as privilege information at the time of payment. Points can be awarded without presenting. Therefore, the payment system S can reduce the user's burden at the time of payment.
Details of the configurations of the payment processing device 1, the user terminal 2, the store terminal 3, and the point management device 4 will be described below.

[Functional Configuration of Payment Processing Device 1]
FIG. 2 is a diagram showing the functional configuration of the payment processing apparatus 1. As shown in FIG. The payment processing device 1 has a communication unit 11 , a storage unit 12 and a control unit 13 .

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13 . The storage unit 12 is a payment program that causes the control unit 13 to function as a user information linkage unit 131, an issuance request reception unit 132, a token transmission unit 133, a payment information reception unit 134, a grant request unit 135, and a payment processing unit 136. memorize

In addition, the storage unit 12 associates and stores the first user ID and the second user ID corresponding to each of the plurality of shops. Specifically, the storage unit 12 associates the first user ID, the second user ID, and the business ID that manages the points corresponding to the second user ID and identifies the business that operates the store. Stores user cooperation information. Here, it is assumed that the issuer of the first user ID and the issuer of the second user ID are different issuers. FIG. 3 is a diagram showing an example of user cooperation information. As shown in FIG. 3, it can be confirmed that one or more business operator IDs and second user IDs are associated with the first user ID.

Further, the storage unit 12 associates the business operator ID with the address on the network of the point management device 4 corresponding to the business operator ID, and stores them as address information. The point management device 4 corresponding to the business operator ID is, for example, the point management device 4 managed by the business operator corresponding to the business operator ID.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 executes the user information linkage unit 131, the issuance request reception unit 132, the token transmission unit 133, the payment information reception unit 134, the grant request unit 135, and the settlement processing unit 136. Details of the operation of each unit of the control unit 13 will be described later.

[Functional Configuration of User Terminal 2]
FIG. 4 is a diagram showing the functional configuration of the user terminal 2. As shown in FIG. The user terminal 2 has an operation section 21 , a communication section 22 , a reading section 23 , a display section 24 , a storage section 25 and a control section 26 . The control unit 26 has an operation reception unit 261 , a request transmission unit 262 , a token transmission unit 263 and a display control unit 264 .

The operation unit 21 is an operation device that receives user operations, and is, for example, a touch panel provided on the surface of the display unit 24 . The operation unit 21 notifies the operation reception unit 261 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting/receiving data to/from a base station of a mobile phone network. The communication unit 22 transmits the acquired payment token and the like to the payment processing apparatus 1 .

The reading unit 23 is, for example, a camera. The reading unit 23 reads the payment code displayed on the shop terminal 3 .
The display unit 24 is a display that displays various information.

The storage unit 25 is a storage medium including ROM, RAM, and the like. The storage unit 25 stores programs executed by the control unit 26 . The storage unit 25 stores a program that causes the control unit 26 to function as an operation reception unit 261 , a request transmission unit 262 , a token transmission unit 263 and a display control unit 264 .

The control unit 26 is, for example, a CPU, and functions as an operation reception unit 261 , a request transmission unit 262 , a token transmission unit 263 , and a display control unit 264 by executing programs stored in the storage unit 25 .

The operation reception unit 261 identifies the content of the user's operation based on the signal input from the operation unit 21 . If the identified operation content is a user cooperation operation as an operation for linking user IDs, the operation reception unit 261 notifies the request transmission unit 262 of the operation content. The request transmission unit 262 transmits an ID cooperation request including the first user ID to the payment processing apparatus 1 via the communication unit 22 when the operation reception unit 261 receives a user cooperation operation. The operation reception unit 261 causes the display unit 24 to display a cooperation reception screen for accepting cooperation of the user ID received by the communication unit 22 from the payment processing apparatus 1, and receives the second user ID associated with the first user ID from the user, A business operator ID corresponding to the second user ID is accepted. The request transmission unit 262 transmits the first user ID, and the business operator ID and the second user ID received on the cooperation reception screen to the payment processing apparatus 1 .

If the specified operation content is an operation for reading the payment code, operation reception unit 261 notifies token transmission unit 263 of the operation content. The token transmission unit 263 causes the reading unit 23 to read the payment code displayed on the store terminal 3 when the operation reception unit 261 receives an operation for reading the payment code. The token transmission unit 263 acquires information extracted from the payment code by the reading unit 23 as a payment token. The token transmission unit 263 transmits the acquired payment token and the first user ID to the payment processing apparatus 1 via the communication unit 22 .

When the display control unit 264 receives the payment completion information indicating that the payment has been completed and the point award information indicating that points have been awarded from the payment processing apparatus 1, the display control unit 264 displays these information on the same display on the display unit 24. display on the screen.

[Function Configuration of Store Terminal 3]
FIG. 5 is a diagram showing the functional configuration of the store terminal 3. As shown in FIG. The store terminal 3 has an operation unit 31 , a reading unit 32 , a communication unit 33 , a display unit 34 , a storage unit 35 and a control unit 36 .

The operation unit 31 is an operation device that receives user operations, and includes, for example, buttons for the user to select products to purchase, and a touch panel provided on the surface of the display unit 34 .

The reading unit 32 is, for example, a barcode reader, and reads barcodes attached to products purchased by the user. The reading unit 32 outputs information indicated by the read barcode to the control unit 36 .

The communication unit 33 is a communication interface for transmitting and receiving data to and from the payment processing apparatus 1, for example. The communication unit 33 transmits a payment code issue request and payment information to the payment processing apparatus 1 under the control of the control unit 36 . The communication unit 33 also receives a payment token from the payment processing device 1 .

The display unit 34 is a display that displays various information. The display unit 34 displays, for example, a payment amount and a payment code.

The storage unit 35 is a storage medium including ROM, RAM, and the like. The storage unit 35 stores programs executed by the control unit 36 . The storage unit 35 stores a program that causes the control unit 36 to function as a payment information generation unit 361 , a payment information transmission unit 362 and a code generation unit 363 . The storage unit 35 also stores a product DB that associates product IDs with product prices.

The control unit 36 is, for example, a CPU, and functions as a payment information generation unit 361 , a payment information transmission unit 362 , and a code generation unit 363 by executing programs stored in the storage unit 35 .

The payment information generation unit 361 identifies one or more products for payment and generates payment information. Specifically, the payment information generation unit 361 acquires the product ID input by the sales clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, thereby obtaining the acquired product ID. product is identified as the product for payment. The payment information generation unit 361 refers to the product DB stored in the storage unit 35 and identifies the price of the product associated with the acquired product ID. The payment information generation unit 361 acquires one or more product IDs input by the store clerk at the operation unit 31 or product IDs read from the barcodes attached to the products by the reading unit 32, and determines the price of the product specified from the product ID. Aggregate When the operation unit 31 receives a settlement operation, the settlement information generation unit 361 determines the total price of the product as the settlement amount.

The payment information generation unit 361 generates payment information including the determined payment amount, a shop ID as shop information for identifying the shop, and payment time information indicating the current time as the payment time. It is assumed that the store ID includes information for identifying the store as well as a company ID for identifying the company that manages the store.

When the payment information generation unit 361 generates payment information, the payment information transmission unit 362 transmits a payment code issuance request and the generated payment information to the payment processing apparatus 1 via the communication unit 33 .

When the payment token is transmitted from the payment processing apparatus 1, the code generation unit 363 generates a payment code based on the payment token. The code generator 363 generates a payment code based on, for example, a predetermined rule. The code generation unit 363 causes the display unit 34 to display the generated payment code.

[Functional Configuration of Point Management Device 4]
FIG. 6 is a diagram showing the functional configuration of the point management device 4. As shown in FIG. The point management device 4 has a communication section 41 , a storage section 42 and a control section 43 .

The communication unit 41 is a communication interface for transmitting and receiving data between the payment processing device 1 and the point management device 4, for example.
The storage unit 42 is a storage medium including ROM, RAM, and the like. The storage unit 42 stores programs executed by the control unit 43 . The storage unit 42 stores a program that causes the control unit 43 to function as the grant request receiving unit 431 and the point granting unit 432 . The storage unit 35 also stores a point DB that associates the second user ID, the points given to the user of the second user ID, and the expiration date of the points.

The control unit 43 is, for example, a CPU, and functions as a grant request receiving unit 431 and a point granting unit 432 by executing programs stored in the storage unit 42 .

The grant request receiving unit 431 receives a point grant request including the payment information and the second user ID from the payment processing apparatus 1 .
When the grant request receiving unit 431 receives a point grant request from the payment processing apparatus 1, the point grant unit 432 receives the second user ID and payment information included in the received grant request. Points to be given to the user of the ID are calculated, and the calculated points are given.

Specifically, when the grant request receiving unit 431 receives a point grant request, the point grant unit 432 grants points to the user corresponding to the second user ID based on the payment information included in the grant request. Calculate

For example, the point granting unit 432 calculates a value indicating a predetermined percentage of the settlement amount included in the settlement information as points to be granted to the user corresponding to the second user ID. Also, the point granting unit 432 may calculate points when various information included in the payment information satisfies a predetermined condition.

For example, the point granting unit 432 may calculate points when the payment amount included in the payment information is equal to or greater than a predetermined amount. Also, the point granting unit 432 may calculate points based on the store ID and the payment date and time included in the payment information. For example, when the payment time information included in the payment information is included in a time range corresponding to a predetermined time sale, the point granting unit 432 calculates higher points than a time different from the time sale. good too. Also, the store ID of the store to which points are to be awarded is stored in the storage unit 42, and the points are calculated by the point granting unit 432 when the received store ID is stored in the storage unit 42. good.

The point granting unit 432 adds the calculated points to the points associated with the second user ID included in the grant request in the point DB, and updates the expiration date of the points. In addition, the point granting unit 432 transmits point granting information indicating the points granted to the user to the payment processing apparatus 1 .

[Operation of each part of the control part 13]
Next, the operation of each section of the control section 13 will be described.
The user information linkage unit 131 receives the first user ID and the second user ID corresponding to the user of the user terminal 2 from the user terminal 2, and stores the received first user ID and second user ID in association with each other. It is stored in the user cooperation information of the unit 12 .

Specifically, when the user information linking unit 131 receives an ID linking request including the first user ID of the user of the user terminal 2 from the user terminal 2, the user information linking unit 131 accepts the second user ID linked with the first user ID. to the user terminal 2. On the cooperation acceptance screen, it is possible to specify a second user ID and a business operator ID corresponding to the second user ID. Upon receiving the first user ID, the business ID, and the second user ID from the user terminal 2, the user information linking unit 131 associates these pieces of information and stores them in the user linking information.

The issue request receiving unit 132 receives, from the store terminal 3, payment information related to the purchase of a product or service at the user's store, and a payment code issue request.

When the issue request receiving unit 132 receives the issue request for the payment code, the token transmission unit 133 transmits the payment token for generating the payment code to the shop terminal 3 . Specifically, first, the token transmission unit 133 generates a payment token when the issuance request reception unit 132 receives a payment code issuance request. The token transmission unit 133 causes the storage unit 12 to store the payment information received by the issuance request reception unit 132 in association with the generated payment token. The token transmission unit 133 also transmits the generated payment token to the store terminal 3 that has transmitted the payment code issue request.

The payment information receiving unit 134 receives the payment token and the first user ID from the user terminal 2 that reads the payment code displayed by the shop terminal 3 based on the payment token transmitted by the token transmission unit 133. Receive payment requests.

The grant request unit 135 transfers the payment information received from the store terminal 3 and the second user ID associated with the first user ID received from the user terminal 2 to the point management device 4 that manages the points corresponding to the store. to request that points be given to the user of the user terminal 2 . The grant requesting unit 135 refers to the storage unit 12, and the first user ID received from the user terminal 2 and the second user ID corresponding to the store indicated by the store ID included in the payment information acquired from the store terminal 3. is specified, and the specified second user ID is transmitted to the point management device 4 .

Specifically, first, when the payment information receiving unit 134 receives a payment request from the user terminal 2, the grant request unit 135 stores the payment token that matches the payment token included in the payment request in the storage unit 12. Determine whether or not it is stored. When the payment processing unit 136 determines that a matching payment token is stored in the storage unit 12, the payment processing unit 136 acquires the payment information stored in the storage unit 12 in association with the payment token, and stores the payment information in the payment information. The business ID is extracted from the contained store ID. The grant request unit 135 refers to the user cooperation information stored in the storage unit 12, and obtains the first user ID included in the received payment request and the second user ID associated with the extracted business operator ID. By specifying, the second user ID corresponding to the store indicated by the store ID received from the store terminal 3 is specified while corresponding to the first user ID received from the user terminal 2 .

The grant request unit 135 refers to the address information stored in the storage unit 12 and identifies the address associated with the extracted business operator ID. Then, the grant request unit 135 transmits a point grant request including the payment information stored in the storage unit 12 in association with the received payment token and the specified second user ID to the specified address. Then, these pieces of information are transmitted to the point management device 4 corresponding to the extracted company ID. After that, the grant request unit 135 receives point grant information indicating the points granted to the user of the user terminal 2 from the point management device 4 that transmitted the point grant request.

The payment processing unit 136 executes payment based on the first user ID received from the user terminal 2 and payment information corresponding to the payment token received from the user terminal 2 . Specifically, when the payment information receiving unit 134 receives a payment request, the payment processing unit 136 determines whether a payment token that matches the payment token included in the payment request is stored in the storage unit 12. judge. When the payment processing unit 136 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 136 acquires the payment information stored in the storage unit 12 in association with the payment token.

The payment processing unit 136 executes a process of withdrawing the payment amount included in the acquired payment information from the account of the user identified by the first user ID received from the user terminal 2 . The payment processing unit 136 also executes a process of depositing the payment amount included in the acquired payment information into the account of the store specified by the store ID included in the acquired payment information. The payment processing unit 136 may deposit the amount obtained by deducting the payment fee in the payment processing device 1 from the payment amount to the account of the store. When the settlement of the settlement amount is completed, the settlement processing unit 136 notifies the store terminal 3 of transmitting settlement completion information indicating that the settlement has been completed. In addition, the payment processing unit 136 associates the payment completion information with the point award information received from the point management device 4 , transmits the information to the user terminal 2 , and displays the payment completion information and the point award information on the same screen of the user terminal 2 . to display information.

[Operation sequence]
FIG. 7 is an operation sequence diagram of the settlement system S. As shown in FIG. FIG. 8 is an operation sequence diagram following FIG.
The sequence diagram shown in FIG. 7 starts when the user brings the selected product to the store clerk using the store terminal 3 . The payment information generation unit 361 of the store terminal 3 acquires the product ID input by the clerk at the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and associates the product ID with the product ID. The settlement amount is calculated by specifying the price of the product. Then, the payment information generation unit 361 generates payment information including the payment amount, the shop ID, and the payment time information (S1). The payment information transmission unit 362 transmits a payment code issue request and the generated payment information to the payment processing apparatus 1 (S2).

The issue request receiving unit 132 of the payment processing apparatus 1 receives the payment code issue request and the payment information. The token transmission unit 133 generates a payment token (S3). The token transmission unit 133 associates the generated payment token with the payment information and stores them in the storage unit 12 (S4). The token transmission unit 133 transmits the generated payment token to the shop terminal 3 that has transmitted the payment code issuance request (S5).

The code generation unit 363 of the store terminal 3 generates a payment code based on the payment token received from the payment processing device 1, and causes the display unit 34 to display the generated payment code (S6). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S7). The token transmission unit 263 of the user terminal 2 transmits a payment request including the payment token obtained from the payment code and the first user ID to the payment processing apparatus 1 (S8). The payment information receiving unit 134 receives a payment request including the payment token and the first user ID from the user terminal 2 .

Description is moved to FIG. The grant requesting unit 135 determines whether or not the storage unit 12 stores a payment token that matches the payment token included in the payment request received by the payment information receiving unit 134 . When the grant requesting unit 135 determines that the matching payment token is stored in the storage unit 12, it identifies the payment information stored in the storage unit 12 in association with the received payment token (S9).

The grant requesting unit 135 identifies the business operator ID from the store ID included in the identified payment information (S10). The grant requesting unit 135 refers to the user cooperation information and identifies the second user ID associated with the first user ID received from the user terminal 2 and the identified business operator ID (S11). The payment processing unit 136 transmits a point grant request including the specified second user ID and payment information to the point management device 4 corresponding to the business operator ID (S12).

Subsequently, when the point granting request receiving unit 431 receives the point granting request, the point granting unit 432 of the point management device 4 calculates the points to be granted to the user of the second user ID included in the point granting request (S13). ). The point granting unit 432 grants the calculated points to the user of the second user ID (S14), and transmits point granting information indicating the awarded points to the payment processing apparatus 1 (S15).

Subsequently, the payment processing unit 136 of the payment processing apparatus 1 performs payment processing based on the payment information specified in S9 and the first user ID received from the user terminal 2 (S16). The payment processing unit 136 associates the payment completion information with the point provision information received from the point management device 4 and transmits them to the user terminal 2 (S17).

When the display control unit 264 of the user terminal 2 receives the payment completion information and the point award information from the payment processing apparatus 1, the display control unit 264 displays these information on the same screen of the display unit 24 (S18).

[Modification]
In the above description, the store terminal 3 requests the settlement processing device 1 to issue a settlement code when the user purchases a product, but the present invention is not limited to this. For example, the store terminal 3 may issue a payment code issue request before the user purchases the product.

FIG. 9 is an operation sequence diagram of the settlement system S when the store terminal 3 requests issuance of a settlement code before the user purchases a product. FIG. 10 is an operation sequence diagram following FIG.

As shown in FIG. 9, first, the payment information transmitting unit 362 transmits a payment code issue request and a store ID to the payment processing apparatus 1 (S31).
When the issue request receiving unit 132 receives the store ID and the issue request for the payment code, the token transmitting unit 133 of the payment processing apparatus 1 generates a payment token (S32). The token transmission unit 133 associates the generated payment token with the store ID and stores them in the storage unit 12 (S33). The token transmission unit 133 also transmits the generated payment token to the store terminal 3 that has sent the payment code issue request (S34).

When the code generation unit 363 receives the payment token from the payment processing apparatus 1, the code generation unit 363 stores the payment token in the storage unit 35 (S35).

At the store, the user selects a product to purchase and brings the selected product to a salesclerk using the store terminal 3 . The code generation unit 363 of the store terminal 3 generates a payment code based on the payment token stored in the storage unit 35, and causes the display unit 34 to display the generated payment code (S36). The user operates the user terminal 2 to cause the user terminal 2 to read the settlement code displayed on the store terminal 3 (S37). The operation reception unit 261 of the user terminal 2 receives input of the payment amount from the user (S38). The token transmission unit 263 of the user terminal 2 transmits a payment request including the payment token obtained from the payment code, the payment amount, and the first user ID to the payment processing apparatus 1 (S39). The payment information receiving unit 134 receives a payment request including a payment token, a payment amount, and a first user ID from the user terminal 2 .

Description is moved to FIG. The grant requesting unit 135 determines whether or not the storage unit 12 stores a payment token that matches the payment token included in the payment request received by the payment information receiving unit 134 . When the payment processing unit 136 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 136 identifies the shop ID stored in the storage unit 12 in association with the received payment token (S40). Thereafter, the grant requesting unit 135, the settlement processing unit 136, the display control unit 264, the grant request receiving unit 431, and the point granting unit 432 perform the same processes as those of S10 to S18 shown in FIG. 8 in S41 to S49.

In this sequence, the user terminal 2 receives the payment amount from the user and transmits a payment request including the payment token, the payment amount, and the first user ID to the payment processing apparatus 1, but the present invention is not limited to this. . For example, if the price of products handled at a store is the same, the payment information transmission unit 362 sends a payment code issuance request, the payment amount, and the shop ID to the payment processing device before the user purchases the product. 1 may be sent. Then, the token transmission unit 133 may store the generated payment token, the received store ID, and the received payment amount in association with each other in the storage unit 12 .

Also, in this sequence, when the user purchases a product, the code generation unit 363 generates a payment code based on the payment token stored in the storage unit 35 and causes the display unit 34 to display it. , but not limited to this. Instead of displaying the payment code on the store terminal 3, the store clerk of the store terminal 3 prints the payment code on paper or a sticker in advance, and when the user purchases the product, the payment code is printed on the paper or the like. The payment code may be presented to the user.

Also, in this sequence, the payment token does not include store information, but the present invention is not limited to this. The payment token may include store information. Then, when identifying store information corresponding to the payment token received from the user terminal 2, the payment processing apparatus 1 acquires the store information included in the payment token, and stores the information in the payment token. Corresponding store information may be specified.

[Effects of payment system S]
As described above, when the payment processing apparatus 1 receives from the store terminal 3 payment information relating to the purchase of goods or services at the user's store and a payment code issuance request for payment, the payment processing apparatus 1 receives the payment token is sent to the shop terminal 3, and the payment token and the first user ID are received from the user terminal 2 that has read the payment code displayed by the shop terminal 3 based on the payment token. Then, the payment processing device 1 includes the payment information received from the shop terminal 3 and the second user ID associated with the first user ID received from the user terminal 2, and requests the user to give the privilege. A privilege provision request is transmitted to the point management device 4, and privilege provision information indicating the privilege given to the user is received. The payment processing apparatus 1 executes payment based on the first user ID received from the user terminal 2 and payment information corresponding to the payment token received from the user terminal 2, and transmits privilege provision information to the user terminal 2. do. In this manner, in order to receive points as privilege information at the time of checkout, the user can receive points without presenting a membership card or an application screen indicating that the user is a member of the store to the store. can be granted. Therefore, the payment processing apparatus 1 can reduce the user's burden at the time of payment.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, specific embodiments of device distribution/integration are not limited to the above-described embodiments. can be done. In addition, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

1 payment processing device 2 user terminal 3 store terminal 4 point management device 11 communication unit 12 storage unit 13 control unit 21 operation unit 22 communication unit 23 reading unit 24 display unit 25 storage unit 26 control unit 31 operation unit 32 reading unit 33 communication unit 34 Display unit 35 Storage unit 36 Control unit 41 Communication unit 42 Storage unit 43 Control unit 131 User information cooperation unit 132 Issuance request reception unit 133 Token transmission unit 134 Payment information reception unit 135 Grant request unit 136 Payment processing unit 261 Operation reception unit 262 request transmission unit 263 token transmission unit 264 display control unit 361 payment information generation unit 362 payment information transmission unit 363 code generation unit 431 grant request reception unit 432 point grant unit

Claims (14)

the computer runs
receiving first user identification information and second user identification information for identifying the user from a user terminal used by the user, and storing the received first user identification information and the second user identification information in association with each other; storing in the unit;
a step of receiving, from a store terminal corresponding to the store, payment information relating to the user's purchase of a product or service at the store and a request for issuance of a payment code for payment;
a step of transmitting a payment data string for generating the payment code to the store terminal when the payment code issuance request is received;
receiving the payment data string and the first user identification information from the user terminal that read the payment code displayed by the store terminal based on the payment data string;
executing payment based on the first user identification information received from the user terminal and the payment information corresponding to the payment data string received from the user terminal;
privilege management for managing privileges for the payment information received from the store terminal and the second user identification information stored in the storage unit in association with the first user identification information received from the user terminal; transmitting to the device;
obtaining, from the privilege management device , privilege grant information indicating that the privilege based on the payment information and the second user identification information has been granted to the user;
payment processing method. the computer runs
receiving first user identification information and second user identification information for identifying the user from a user terminal used by the user, and storing the received first user identification information and the second user identification information in association with each other; storing in the unit;
a step of storing in the storage unit a payment data string for generating a payment code for payment, corresponding to shop information for identifying the shop;
From the user terminal that reads the payment code displayed at the store based on the payment data string, the payment data string, payment information related to the user's purchase of goods or services at the store, and the third 1 receiving user identification information;
executing payment based on the first user identification information and payment information received from the user terminal, and the store information corresponding to the payment data string received from the user terminal;
Privilege management for managing privileges for the payment information received from the user terminal and the second user identification information stored in the storage unit in association with the first user identification information received from the user terminal transmitting to the device;
obtaining, from the privilege management device , privilege grant information indicating that the privilege based on the payment information and the second user identification information has been granted to the user;
payment processing method. In the step of storing in the storage unit, when the computer receives the first user identification information from the user terminal, the computer receives second user identification information linked with the received first user identification information from the user terminal, when the second user identification information is received from the user terminal, the received first user identification information and the received second user identification information are associated and stored in the storage unit;
The settlement processing method according to claim 1 or 2. In the step of acquiring the privilege provision information, the computer acquires the privilege provision information indicating that a privilege corresponding to the store has been granted to the user.
The settlement processing method according to any one of claims 1 to 3. In the step of acquiring the privilege provision information, the computer acquires the privilege provision information indicating that a privilege that can be used at the store has been granted to the user.
The settlement processing method according to claim 4. In the step of acquiring the privilege provision information, the computer indicates that the privilege based on the second user identification information issued by an issuer different from the issuer of the first user identification information has been granted to the user. obtaining the privilege provision information;
The settlement processing method according to any one of claims 1 to 5. In the step of acquiring the privilege provision information, the computer acquires the privilege provision information indicating that the privilege based on the second user identification information issued by the business operator of the store has been granted to the user.
The settlement processing method according to any one of claims 1 to 6. In the step of storing in the storage unit, when the computer receives the first user identification information from the user terminal, the computer receives second user identification information linked to the received first user identification information, and the second user identification and business identification information for identifying a business corresponding to the information is received from the user terminal, and when the second user identification information and the business identification information are received from the user terminal, the received first user identification information and , causing the received second user identification information and the business operator identification information to be associated and stored in the storage unit;
In the step of acquiring the privilege provision information, the computer receives the payment information corresponding to the payment data string received from the user terminal, the first user identification information received from the user terminal, and the business of the store. Acquiring the privilege grant information indicating that a privilege has been granted to the user based on the second user identification information stored in the storage unit in association with the business operator identification information for identifying the user;
The payment processing method according to claim 7. In the storing step, the computer associates the first user identification information with the second user identification information corresponding to the store and stores the information in the storage unit;
The second user, executed by the computer, refers to the storage unit and corresponds to the first user identification information received from the user terminal and the store where payment is made in accordance with the payment data string. further comprising identifying identification information;
In the step of acquiring the privilege provision information, the computer acquires the privilege provision information indicating that the privilege based on the specified second user identification information has been granted to the user.
The settlement processing method according to any one of claims 1 to 8. The storage unit associates and stores the first user identification information and the second user identification information corresponding to each of the plurality of shops,
In the specifying step, the computer refers to the storage unit, and selects from the user terminal from among the plurality of second user identification information associated with the first user identification information received from the user terminal Identifying the second user identification information corresponding to the store where payment is made in accordance with the received payment data string;
The payment processing method according to claim 9. In the step of transmitting to the privilege management device, the computer stores business operator identification information for identifying the business operator that issued the second user identification information, and a network of the privilege management device corresponding to the business operator identification information. referring to a storage unit that stores the above addresses in association with each other, specifying the address associated with the business identification information corresponding to the store where the payment is made in accordance with the payment data string; transmitting the payment information and the second user identification information to the privilege management device corresponding to the address obtained;
The settlement processing method according to any one of claims 1 to 10 . further comprising a step of transmitting the privilege provision information to the user terminal, executed by the computer;
The settlement processing method according to any one of claims 1 to 11 . In the step of transmitting the privilege provision information to the user terminal, the computer associates the privilege provision information with information indicating that the payment has been completed, and transmits the information to the user terminal.
The payment processing method according to claim 12 . receiving first user identification information and second user identification information for identifying the user from a user terminal used by the user, and storing the received first user identification information and the second user identification information in association with each other; a storage control unit for storing in the storage unit a payment data string for generating a payment code for payment corresponding to store information for identifying the store;
From the user terminal that reads the payment code displayed at the store based on the payment data string, the payment data string, payment information related to the user's purchase of goods or services at the store, and the third 1 a settlement information receiving unit that receives user identification information;
a payment processing unit that executes payment based on the first user identification information and the payment information received from the user terminal, and the store information corresponding to the payment data string received from the user terminal;
Privilege management for managing privileges for the payment information received from the user terminal and the second user identification information stored in the storage unit in association with the first user identification information received from the user terminal an acquisition unit that acquires, from the privilege management device , privilege grant information that is transmitted to a device and indicates that the privilege based on the payment information and the second user identification information has been granted to the user;
payment processor.

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