JP7417776B1 - Information provision device, system, information provision method, and program - Google Patents

Abstract

An object of the present invention is to provide an information providing device, a system, an information providing method, and a program that can suitably handle invoices for member stores that use electronic payment as a provider of products or services. [Solution] An acquisition unit that acquires payment information between a user and a member store that provides products or services in the electronic payment service from a payment intermediary device that mediates payments in the electronic payment service, and the payment information an information providing apparatus comprising: a processing unit that creates an invoice that is issued by the member store to a user who is a purchaser in the electronic payment service based on the above, and that satisfies invoice requirements. [Selection diagram] Figure 4

Description

The present invention relates to an information providing device, a system, an information providing method, and a program.

Conventionally, a technique has been disclosed that makes it possible to easily determine whether or not a business partner is an invoice business (Patent Document 1).

JP 2022-179153 Publication

Conventional techniques do not provide suitable invoice support for member stores that use electronic payment as providers of products or services.

The present invention has been made in consideration of such circumstances, and provides an information providing device and system that can suitably handle invoices for member stores that use electronic payment as a provider of products or services. One of the purposes is to provide information provision methods and programs.

One aspect of the present invention includes an acquisition unit that acquires payment information between a user and a member store that provides products or services in the electronic payment service from a payment intermediary device that mediates payments in the electronic payment service; a processing unit that creates an invoice that the member store issues to a user who is a purchaser in the electronic payment service based on the payment information and that satisfies invoice requirements; The payment service performs payment using payment information transmitted by a POS (Point of Sale) device, and the payment intermediary device is a POS gateway device that aggregates payment information from a plurality of POS devices. It is.

According to one aspect of the present invention, it is possible to suitably handle invoices for member stores that use electronic payment as providers of products or services.

1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. FIG. 2 is a sequence diagram (part 1) illustrating the general flow of electronic payment. FIG. 2 is a sequence diagram (Part 2) illustrating the general flow of electronic payment. FIG. 1 is a configuration diagram of a payment server 100 according to a first embodiment. 3 is a diagram showing an example of the contents of user information 172. FIG. It is a diagram showing an example of the contents of member store/store information 176. It is a diagram showing an example of a configuration including a payment intermediary device. It is a diagram showing an example of the contents of detailed payment information 178 for each member store. FIG. 3 is a diagram illustrating an example of a qualified bill.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of an information providing apparatus, system, information providing method, and program of the present invention will be described with reference to the drawings. The information providing device creates an invoice that is issued by a member store that uses the electronic payment service as a provider of goods or services to a user who is a purchaser in the electronic payment service, and that satisfies the invoice requirements. It is something to do. The electronic payment service is provided through cooperation between an application program and a payment server. In the following description, the application program will be referred to as a payment application. An electronic payment service is a service that supports payments for purchases of products and services at stores. A store is, for example, a physical store (actual store) that exists in real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities different from the operator of the electronic payment service. In this case, when paying for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to a member store (brand), for example, and processing such as payment when a purchase is made at a store is mainly performed between a user and the member store. Below, we will first explain the electronic payment service provided to users, and then explain the interface for member stores.

[Electronic payment service]
FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by the payment server 100. For example, the payment server 100 connects each of one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and one or more employee terminal devices 80 to a network NW. Communicate via. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, so that the payment application 20 operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed on the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like.

The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize a product price acquisition function and an optical reading function. The store code image 60 is placed in a store, and a code image such as a QR code (registered trademark) is printed on a paper or plastic medium. Note that the store code image 60 may be displayed on a display (or a display of a terminal device such as a smartphone) placed in the store.

The second store terminal device 70 is used by an operator of a member store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for member stores operates. The member store interface 72 may be an application for member stores or may be a browser. The member store interface 72 receives coupon settings and the like from the member store operator and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to the store code image and reading the code image displayed by the user terminal device 10 by executing an application for member stores. have Some of the second store terminal devices 70 have the same function as the first store terminal device 50, that is, the function of reading a code image using a camera and transmitting payment information to the payment server 100. This will be discussed later. Note that this function is referred to as a direct payment function.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a member store server, in which case payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following description, it is assumed that payment information is transmitted from the first store terminal device 50 without making any particular distinction.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 using an optical reading function (S1). The store code image 60 includes information on a store URL (Uniform Resource Locator). This store URL is the domain of the electronic payment service added with information that can identify the store, and is associated with member store IDs, store IDs, etc. in the payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the member store ID and store ID corresponding to the store URL, obtains the member store name and store name information (S3), and sends the information to the payment application 20 (S4). . The user inputs the payment amount into the user terminal device 10 on the screen on which the member store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step for the user to input the payment amount is omitted, and the first payment information includes information on the payment amount and is sent to the payment server 100. Information on the member store name and store name may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed on the payment application 20, and when the automatic update timing (for example, every minute) is reached. , and at other timings, the payment application 20 transmits a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment application 20 (S13). The payment application 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image using an optical reading function and obtains a one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including a one-time code, payment amount, member store ID, store ID, etc., and transmits it to the payment server 100 via the POS gateway device as described later (S16 ). Information on the payment amount is obtained in advance by barcode reading, manual input, etc. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). Then, the payment server 100 transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be performed using only one of the above patterns. Moreover, the "account ID" explained in FIG. 2 may be other information (for example, a telephone number) that can be used as user identification information. Furthermore, the issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Payment server]
FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication section 110, a payment content provision section 120, a payment processing section 130, an information management section 140, a member store content provision section 150, and a storage section 170. The member store content providing section 150 includes an acquisition section 152 and a processing section 154. Components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit). (including circuitry), or may be realized by collaboration between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage device such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium), and installed in the storage device by loading the storage medium into a drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the payment server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, affiliated store/store information 176, and detailed payment information 178 for each affiliated store.

The communication unit 110 is a communication interface for connecting to the network NW. Communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, the function of a web server, and provides the user terminal device 10 with information (content) for displaying various screens of the electronic payment service. The payment content providing unit 120 reads necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

FIG. 5 is a diagram showing an example of the contents of the user information 172. User information 172 is an example of user registration information. The user information 172 includes, for example, user URL, account ID, corporate/individual business flag, telephone number, password, email address, user ID, name or name/address/date of birth, registration date, charge Information such as balance, deferred payment setting, deferred payment limit, deferred payment usage amount, deferred payment available amount, payment method setting, bank account, credit card number, charge history information, payment history information, etc. are associated with each other. The corporation/sole proprietor flag is a flag that indicates whether the user is a corporation or a sole proprietor. For example, it is 1 if the user is a corporation or a sole proprietor, and 0 otherwise. is the flag that is set. The user URL is used for remittance processing between users. When registering for a new electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be arbitrarily set (or does not need to be set) by the user. Similarly, e-mail address, name, address, and date of birth are information that can (or does not need to be) set arbitrarily by the user. The registration date is the date the user registered with the electronic payment service (the date the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated business (bank), remittance from a registered bank account, etc. The deferred payment setting is information indicating whether the settings for enabling electronic payment by deferred payment have been completed, and is set to either "completed" or "not yet". The payment method setting is setting information that indicates whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are each information about a bank account or credit card number (account number, card number) that can be used to deposit money into the electronic payment service. The charging history information is a history of the user increasing the charging balance by remitting money to the electronic payment service in advance. The payment history information is information that shows the details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment.

FIG. 6 is a diagram showing an example of the contents of the affiliated store/store information 176. The affiliated store/store information 176 includes, for example, a first table 176A in which affiliated store IDs and store IDs are associated with store URLs, and affiliated store names and sales proceeds (described above) are associated with affiliated store IDs. 176B, and a third table 176C in which store names are associated with store IDs. In addition to this information, the member store/store information 176 may include information such as the member store or store category, store location, payment pattern, and the like.

The information management unit 140 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and member store/store information 176.

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 and acquires the "payment method setting" of the user. The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 130 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the member store's sales proceeds. For example, the item value of the sales proceeds of a member store is not used as electronic money itself, but the amount corresponding to the item value of the sales proceeds is determined in a cycle according to the agreement between the member store and the electronic payment service. Money will be transferred to your bank account.

The payment processing unit 130 performs electronic payment in the following manner for users whose "setting information" is set to "deferred payment." Deferred payment is set up separately from "credit payment" in collaboration with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service is the creditor. , which allows electronic payments that do not depend on the charge balance within the deferred payment limit. Note that in order to receive the deferred payment service, the user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for deferred payment is paid in one month's worth on the next month's payment date, for example, by debiting from a bank account. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment usage amount and subtracting the same amount from the available deferred payment amount, and on the closing date, the payment for the current month is transferred to the next month's payment date as described above. or request the operator of the credit card company to perform the processing. Note that if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is sent back to the payment application 20.

[Services for member stores]
The services for member stores will be explained below. The service for member stores in this specification is a service in which member stores create eligible invoices issued to users (corporate accounts or individual business owners) on their behalf. An example of an information providing device includes the affiliated store content providing unit 150 and the detailed payment information 178 for each affiliated store in FIG. In FIG. 4, the information providing device is a function of the payment server 100, but the information providing device may be a separate device from the payment server 100.

The member store content providing unit 150 obtains a request for issuance of a qualified invoice that satisfies the invoice requirements from the member store via the member store interface 72, for example. The request for issuance of a qualified bill includes the user ID of the user to whom the bill is issued, the target period, and the like. Hereinafter, the request form will be sent to the payment server 100 in response to a request for issuance of a qualified bill from the target user.

The acquisition unit 152 requests a payment intermediary device that mediates payments in the electronic payment service to collect payment information corresponding to the issuance request (hereinafter, in order to distinguish it from the payment information explained in FIGS. 2 and 3, payment information). The bill creation payment information includes, for example, the amount excluding tax, items, tax rate, points, etc. for each payment.

FIG. 7 is a diagram illustrating an example of a configuration including a payment intermediary device. The payment intermediary device includes, for example, some or all of the electronic commerce server 200, the POS gateway device 300, and the second store terminal device 70A.

The e-commerce server 200 is a transaction management device of an e-commerce merchant that performs payments using an electronic payment service (in cooperation with an electronic payment service). The electronic commerce server 200 provides electronic commerce services to users via the network NW. In an e-commerce service, when the product or service to be purchased (added to the cart) is confirmed and an electronic payment service is selected when selecting a payment method, the payment server 100 takes over the payment processing and the electronic payment is made. Complete. Since the electronic commerce server 200 holds information necessary as payment information for bill creation, it can transmit this to the payment server 100 as necessary.

The POS gateway device 300 is a device that aggregates information from a plurality of POS devices included in each of the plurality of first store terminal devices 50 and transfers the information to the payment server 100. The POS device does not communicate with the payment server 100 independently, but sends payment information to the payment server 100 via the POS gateway device 300. Since the POS gateway device 300 also holds information necessary as payment information for bill creation, it can transmit this to the payment server 100 as necessary.

As described above, the second store terminal device 70A is one of the second store terminal devices 70 that has the same direct payment function as the first store terminal device 50. The second store terminal device 70A is realized using, for example, a tablet terminal with a camera. The second store terminal device 70A is equipped with a direct payment function as a function of the member store interface 72. Since the second store terminal device 70A also holds information necessary as payment information for bill creation, it can transmit this to the payment server 100 as necessary.

The various payment intermediary devices described above do not send payment information for creating a bill to the payment server 100 in response to a request from the payment server 100, but automatically send payment information for creating a bill each time an electronic payment is made. It may also be transmitted to the server 100.

Upon acquiring the bill creation payment information, the acquisition unit 152 registers it in the payment details information 178 for each member store. FIG. 8 is a diagram showing an example of the contents of the detailed payment information 178 for each member store. The detailed payment information 178 for each member store is, for example, the member store ID associated with the corporate number and registration number of the member store, and the information of the user who made the payment with the member store. For each account ID (see Figure 5), information such as a payment ID that can identify the payment, payment date (or date and time), payment amount (excluding tax), item, tax rate, points, etc. is associated. .

The corporate number of the member store is obtained from the member store at the time of subscribing to the electronic payment service. The acquisition unit 152 acquires the registration number from the National Tax Bureau server 400 by inputting the corporate number into an API (Application Programming Interface) provided by the National Tax Bureau server 400.

When the processing unit 154 receives a request for issuance of a qualified invoice from a member store, it refers to the detailed payment information 178 for each member store and creates a qualified invoice that satisfies the invoice requirements to be issued by the member store to the user. Invoice requirements include the name and registration number of the business issuing the invoice (in the present invention, the member store), the date of the transaction, the nature of the transaction, the total amount of consideration excluding tax or including tax, and the tax rate. , consumption tax amount categorized by tax rate (rounding must be done for each invoice), name of the business operator (user) receiving the document, etc. must be listed. .

At this time, the processing unit 154, for example, refers to the user information 172, extracts users whose corporation/sole proprietor flag is 1 from among the users who have made payments at the member store, and extracts all the extracted users. Automatically create eligible invoices for your users. Alternatively, if the request for issuance of a qualified invoice includes information specifying a target user, the processing unit 154 creates a qualified invoice only for the specified user. Good too.

FIG. 9 is a diagram illustrating an example of a qualified bill. The eligible invoice (indicated by the name "Payment Advice" in the diagram) includes the user's name, the member store's name, and the member store's registration number. Also, the payment amount (excluding tax) for each tax rate, which has been transferred from the detailed payment information 178 for each member store, is listed, and the total amount of consumption tax for each tax rate is listed. The processing unit 154 sends the eligible bill to the user's email address or displays it in a downloadable form within the payment application 20.

By performing such processing, member stores that use electronic payment services will be able to allocate human resources to necessary businesses, since they will be able to reduce the hassle of issuing eligible invoices for each user themselves. Furthermore, since there is no need to perform the process of acquiring the registration number required for eligible invoices, the business burden on member stores can be further reduced. In this way, according to the embodiment, service to member stores can be improved by handling invoices.

According to the embodiment described above, it is possible to suitably handle invoices for member stores that use electronic payment as providers of products or services.

Although the mode for implementing the present invention has been described above using embodiments, the present invention is not limited to these embodiments in any way, and various modifications and substitutions can be made without departing from the gist of the present invention. can be added.

10 User terminal device 20 Payment application 70, 70A Second store terminal device 72 Interface for member stores 100 Payment server 120 Payment content provision section 130 Payment processing section 140 Information management section 150 Content provision section for member stores 152 Acquisition section 154 Processing section 178 Payment details for each member store

Claims (4)

an acquisition unit that acquires payment information between a user and a member store that provides products or services in the electronic payment service from a payment intermediary device that mediates payments in the electronic payment service;
a processing unit that creates an invoice that is issued by the member store to a user who is a purchaser in the electronic payment service and that satisfies invoice requirements based on the payment information;
Equipped with
The electronic payment service performs payment using payment information transmitted by a POS (Point of Sale) device,
The payment intermediary device is a POS gateway device that aggregates payment information from the plurality of POS devices.
Information provision device. A payment intermediary device that mediates payments in an electronic payment service, the payment intermediary device transmits payment information between member stores and users that provide products or services in the electronic payment service to an information providing device;
an acquisition unit that acquires payment information between the member store and the user from the payment intermediary device; and an acquisition unit that the member store issues to the user who is the purchaser in the electronic payment service based on the payment information. an information providing device including a processing unit that creates a bill that satisfies invoice requirements;
Equipped with
The electronic payment service performs payment using payment information transmitted by a POS (Point of Sale) device,
The payment intermediary device is a POS gateway device that aggregates payment information from the plurality of POS devices;
system. The information providing device is
Obtaining payment information between a user and a member store that provides products or services in the electronic payment service from a payment intermediary device that mediates payments in the electronic payment service,
creating an invoice that the member store issues to a user who is a purchaser in the electronic payment service based on the payment information and that satisfies invoice requirements;
An information provision method,
The electronic payment service performs payment using payment information transmitted by a POS (Point of Sale) device,
The payment intermediary device is a POS gateway device that aggregates payment information from the plurality of POS devices.
Information provision method. In the processor of the information providing device,
Obtaining payment information between a user and a member store that provides products or services in the electronic payment service from a payment intermediary device that mediates payments in the electronic payment service;
Based on the payment information, the member store creates a bill that is issued to a user who is a purchaser in the electronic payment service and that satisfies invoice requirements;
A program,
The electronic payment service performs payment using payment information transmitted by a POS (Point of Sale) device,
The payment intermediary device is a POS gateway device that aggregates payment information from the plurality of POS devices;
program.

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