JP2017068581A - Settlement management server and settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement management server and a settlement system capable of setting a privilege according to settlement history information by a plurality of settlement methods.SOLUTION: A mediation server 1 includes: a settlement history storage part 25 configured to associate to a user and store settlement history information on settlement processing at a plurality of settlement servers performing the settlement processing; and a privilege setting part 17 configured to set privilege information showing a privilege when using each settlement method, by each settlement method, according to the settlement history information stored in the settlement history storage part and to store the privilege information in a privilege table.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a payment management server and a payment system.

  Conventionally, in payment processing using a mobile terminal device, when a plurality of payment methods (for example, Suica (registered trademark), Edy (registered trademark), credit card, etc.) are available, a payment method that a customer wants to prioritize is selected. A selection method is disclosed (for example, Patent Document 1).

Japanese Patent Laid-Open No. 2007-141055

  According to the method described in Patent Literature 1, accumulated data in each payment method is stored in the mobile terminal device by communicating between the payment terminal device in the store and the mobile terminal device. It was just something that prioritized.

  An object of this invention is to provide the payment management server and payment system which can set a privilege based on the payment log | history information by a several payment system.

The present invention solves the above problems by the following means.
The first invention includes a payment history storage unit that stores payment history information related to payment processing in a plurality of payment servers that perform payment processing in association with a user, and the payment history information stored in the payment history storage unit. Based on this, it is a payment management server provided with the privilege setting part which sets the privilege information which is a privilege at the time of using each payment method for every payment method, and memorize | stores it in a privilege memory | storage part.
A second invention is the payment management server of the first invention, wherein the payment history storage unit stores the payment history information for each payment specifying information associated with one or more payment methods for each user. The privilege setting unit sets the privilege information for each payment specifying information.
3rd invention is the payment management server of 1st invention or 2nd invention, Comprising: The said privilege setting part is a more advantageous privilege with respect to the payment system with little use frequency based on the said payment history information It is a payment management server characterized by setting.
A fourth invention is the payment management server according to any one of the first invention to the third invention, wherein the privilege setting unit uses a payment method with a high amount of payment processing based on the payment history information. On the other hand, it is a payment management server characterized in that a privilege that can be used for payment processing with a certain amount or more is set.
5th invention is the payment management server in any one from 1st invention to 4th invention, Comprising: The payment regarding the payment method corresponding to the privilege information memorize | stored in the said privilege memory | storage part by the said privilege setting part It is a payment management server characterized by comprising a privilege providing unit that transmits together with method information.
6th invention is the payment management server of 5th invention, Comprising: The server privilege memory | storage part which memorize | stores the server privilege information provided in the said payment server is provided, The said privilege provision part is the said server privilege information. In addition to privilege information, the payment management server is characterized in that the privilege information and the payment method information are transmitted.
According to a seventh aspect of the present invention, in the settlement management server of the fifth or sixth aspect, ranking information that is a ranking for each settlement method is set based on at least one of the privilege information and the settlement history information. The payment management server includes a rank setting unit, and the bonus providing unit transmits the bonus information and the payment method information including the rank information set by the rank setting unit.
An eighth invention is the payment management server according to any one of the first invention to the seventh invention, wherein the payment result information in the payment server is mediated between the payment terminal and the plurality of payment servers. Is received from the payment server, and includes a history control unit that stores the payment history information based on the payment result information in a payment history storage unit.
A ninth aspect of the present invention is a settlement for acquiring settlement specific information associated with any one of the settlement management servers of the first to eighth aspects, the plurality of settlement servers, and one or more settlement methods. A payment system comprising a terminal.

  ADVANTAGE OF THE INVENTION According to this invention, the payment management server and payment system which can set a privilege based on the payment log | history information by a some payment system can be provided.

1 is an overall schematic diagram of a payment system according to a first embodiment. It is a functional block diagram of the mediation server concerning a 1st embodiment. It is a flowchart which shows the payment system provision process of the payment system which concerns on 1st Embodiment. It is a flowchart which shows the payment process of the payment system which concerns on 1st Embodiment. It is a figure which shows the example of the memory | storage part of the mediation server which concerns on 1st Embodiment. It is a figure which shows the example of a display with the Web terminal which concerns on 1st Embodiment. It is a flowchart which shows the privilege setting process in the mediation server which concerns on 1st Embodiment. It is a whole schematic diagram of the settlement system concerning a 2nd embodiment. It is a functional block diagram of the mediation server concerning a 2nd embodiment. It is a flowchart which shows the payment process of the payment system which concerns on 2nd Embodiment.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention will be described with reference to the drawings. This is merely an example, and the technical scope of the present invention is not limited to this.
(First embodiment)
<Overall configuration of payment system 100>
FIG. 1 is an overall schematic diagram of a payment system 100 according to the first embodiment.
FIG. 2 is a functional block diagram of the mediation server 1 according to the first embodiment.
The payment system 100 is a system that performs a payment process when the user P performs, for example, online shopping using the Web terminal 4 (a payment terminal). As shown in FIG. 1, the payment system 100 includes a mediation server 1 (payment management server), a Web terminal 4, and a payment server 6.
The mediation server 1, the Web terminal 4, and the settlement server 6 can be connected via a communication network N. The communication network N is an internet line or the like.

The user P uses the master card ID (IDentifier) (settlement specifying information) of the master card 9 when making a settlement.
Here, the master card 9 will be described. The master card 9 is a card medium of a card that can be used in a plurality of settlement methods. The master card 9 is a plastic card, for example, and records a master card ID. The master card ID is identification information for identifying the master card 9, and is associated with a card number, a member number, or the like used in the settlement processing in each of the plurality of settlement methods in the mediation server 1. Hereinafter, the card number, the membership number, etc. used in the settlement method will be described as “card number”. For example, the master card ID may be described on a card ticket surface, may be included as a barcode, or may be included in magnetism or a non-contact IC (Integrated Circuit).

  The Web terminal 4 that is displaying an EC site (Electronic Commerce site) (not shown) for online shopping requests payment using the master card ID of the master card 9. Then, the Web terminal 4 displays a payment method that can be used with the master card 9 and privilege information. Then, the user P selects one payment method from the displayed payment methods while referring to the displayed privilege information, so that the one selected between the Web terminal 4 and the payment server 6 is selected. Payment processing using a payment method can be performed.

<Intermediary server 1>
The mediation server 1 is a server that mediates settlement processing performed between the Web terminal 4 and the settlement server 6. The mediation server 1 acquires and stores payment history information from the payment result. Moreover, the mediation server 1 sets privilege information related to a privilege at the time of settlement based on the stored settlement history information.
As shown in FIG. 2, the mediation server 1 includes a control unit 10, a storage unit 20, and a communication interface unit 29.
The control unit 10 is a central processing unit (CPU) that controls the entire mediation server 1. The controller 10 executes various functions in cooperation with the hardware described above by appropriately reading and executing an operating system (OS) and application programs stored in the storage unit 20.
The control unit 10 includes a settlement request receiving unit 11, a privilege providing unit 12, a settlement method information receiving unit 13, a settlement executing unit 14, a history control unit 15, a privilege setting unit 17, a rank setting unit 18, And a server privilege receiving unit 19.

The settlement request receiving unit 11 receives settlement request information from the Web terminal 4.
The privilege providing unit 12 transmits each payment method information and the privilege information to the Web terminal 4 based on the received payment request information.
The payment method information receiving unit 13 receives one payment method information from the Web terminal 4.
The settlement execution unit 14 performs the settlement process by requesting the settlement server 6 corresponding to one settlement method information for the settlement process. At that time, the settlement execution unit 14 performs a settlement process using privilege information corresponding to the one settlement method selected by the Web terminal 4.
The history control unit 15 causes the settlement history storage unit 25 to store settlement history information that is history information regarding the settlement processing result.
The privilege setting unit 17 sets privilege information based on the payment history information stored in the payment history storage unit 25.
The rank setting unit 18 ranks each settlement method based on the privilege information.
The server privilege receiving unit 19 receives privilege information (server privilege information) from each settlement server 6 and stores it in the server privilege table 23 (server privilege storage unit).
A detailed description of each of these functions will be described later.

The storage unit 20 is a storage area such as a hard disk or a semiconductor memory element for storing programs, data, and the like necessary for the control unit 10 to execute various processes.
The computer refers to an information processing device including a control unit, a storage device, and the like. The mediation server 1 is an information processing device including the control unit 10, the storage unit 20, and the like, and is included in the concept of a computer.
The storage unit 20 stores a user payment information table 21, a privilege table 22 (privilege storage unit), a server privilege table 23, and a payment history storage unit 25.
The user payment information table 21 is a table that stores payment method information for each master card ID.
The privilege table 22 is a table that stores privilege information set by the privilege setting unit 17.
The server privilege table 23 is a table that stores privilege information received from each settlement server 6.
The settlement history storage unit 25 stores settlement history information.
Details of each table will be described later.
The communication interface unit 29 is an interface unit for communicating with the Web terminal 4 and the payment server 6 via the communication network N.

<Web terminal 4>
Returning to FIG. 1, the Web terminal 4 is, for example, a personal computer (PC). In addition, the Web terminal 4 may be a portable terminal such as a mobile phone having a computer function represented by a smartphone or a tablet terminal.
The Web terminal 4 can communicate with the mediation server 1 via the communication network N.
Although not shown, the Web terminal 4 includes a control unit, a storage unit, an input unit, a display unit, a communication interface unit, and the like.
<Payment server 6>
The settlement server 6 is provided as a separate server for each settlement method, and each performs settlement processing. Although not shown, the settlement server 6 includes a control unit, a storage unit, a communication interface unit, and the like.

<Processing of Payment System 100>
Next, processing by the payment system 100 will be described.
FIG. 3 is a flowchart showing a payment method providing process of the payment system 100 according to the first embodiment.
FIG. 4 is a flowchart showing a payment process of the payment system 100 according to the first embodiment.
FIG. 5 is a diagram illustrating an example of the storage unit 20 of the mediation server 1 according to the first embodiment.
FIG. 6 is a diagram illustrating a display example on the Web terminal 4 according to the first embodiment.

First, the settlement method presentation process will be described with reference to FIG.
User P uses the Web terminal 4 to connect to the EC site and perform online shopping. Then, after selecting one or more products or the like that the user P wants to purchase, the master card ID of the master card 9 is input, and an instruction is given to perform the settlement process, so that step S in FIG. 10), the control unit of the Web terminal 4 transmits the settlement request information to the mediation server 1. The settlement request information includes a master card ID and settlement amount information.
In this example, the EC site for online shopping and the mediation server 1 are described as separate servers, but the mediation server 1 may have the function of an EC site.

In S <b> 11, the control unit 10 (payment request receiving unit 11) of the mediation server 1 receives payment request information from the Web terminal 4. And the control part 10 acquires a payment acceptance number. The settlement acceptance number is a unique number assigned to each settlement process. For example, the numbers may be assigned in order from 1.
In S12, the control unit 10 refers to the user payment information table 21 and extracts payment method information corresponding to the master card ID included in the received payment request information.

Here, the user settlement information table 21 will be described with reference to FIG.
The user payment information table 21 stores a master card ID, payment method information, and a card number used in the payment method in association with each other. One master card ID is associated with payment method information usable by the user P having the master card 9. Here, the payment method information represents what payment method can be used. One master card ID is associated with one or more payment method information.
For example, when the control unit 10 receives a master card ID “M00001”, the control unit 10 extracts two payment method information of “A company credit” and “B company point”. Further, when the control unit 10 receives the master card ID “M00002”, the control unit 10 has three “C company credit”, “C company credit”, and “D company point”. Extract payment method information.

In this example, the payment method information is described as “A company credit” or “B company point” for easy understanding. However, the payment method information associated with the master card ID is different from each payment method. Specific information for specifying a method may be used.
In addition, after extracting the payment method information corresponding to the master card ID, the control unit 10 determines whether or not the usage limit for the card number of the payment method corresponding to the master card ID or the number that can be used is the card number. Etc. may be inquired to the settlement server 6 and the settlement method information used in the present settlement process may be further narrowed down from the inquiry result.

In S13, the control unit 10 refers to the privilege table 22 and the server privilege table 23, and acquires privilege information corresponding to the payment method information extracted in S12.
Here, the privilege table 22 will be described based on FIG.
The privilege table 22 stores a master card ID, payment method information, privilege information, and rank in association with each other. The privilege information is set based on the payment history information stored in the payment history storage unit 25. The rank is determined and set based on the privilege information and the settlement history information. The setting of the specific information and the order will be described later.

Next, the server privilege table 23 will be described with reference to FIG.
The server privilege table 23 stores payment server information, normal privilege information, limited privilege information, and a privilege provision period in association with each other. The payment server information identifies the payment server 6 and is, for example, the name of the payment server 6. Normal privilege information is privilege information normally given. The limited privilege information is privilege information given in addition to the normal privilege. The privilege provision period is a period during which limited privilege information is provided. For example, when the payment processing is performed by the payment server 6 of “Company C”, “Point double” is given as a limited privilege when the date and time of the payment processing is within the range of the privilege providing period.
In addition, since the control part 10 (server privilege receiving part 19) of the mediation server 1 receives the information regarding a limited privilege information, a privilege provision period, etc. from each payment server 6 at an appropriate timing, the control part 10 receives it. The server privilege table 23 is updated based on the information.

Here, a specific example relating to acquisition of privilege information will be described.
For example, when the master card ID included in the payment request information is “M00001”, the control unit 10 first refers to the privilege table 22 and associates “A company credit” as the payment method information. "Point 3 times" is acquired, and it is confirmed that there is no privilege information corresponding to "Company B point". Further, the control unit 10 refers to “Company A” which is the payment server 6 of “Company A credit” in the server privilege table 23, and acquires “1 point per 100 yen” as the normal privilege information. Further, the control unit 10 refers to “Company B”, which is the settlement server 6 of “Company B” in the server privilege table 23, acquires “1% discount” as the normal privilege, and further satisfies the privilege provision period. In this case, a “coupon” is acquired.

Returning to FIG. 3, in S <b> 14, the control unit 10 (privilege providing unit 12) transmits the privilege information acquired in S <b> 13 to the Web terminal 4 together with the corresponding payment method information and rank. At that time, the control unit 10 also transmits a settlement acceptance number.
In S <b> 15, the control unit of the Web terminal 4 displays the received privilege information on the display unit of the Web terminal 4.
FIG. 6A is an example of a payment method selection screen 40 displayed on the display unit of the Web terminal 4.
The payment method selection screen 40 displays payment method information and privilege information in association with each other in the recommended order. The recommended order is rank information. Therefore, the user P can determine one of the payment methods with reference to the privilege information displayed on the payment method selection screen 40. Then, when the user P selects a “decision” button corresponding to one of the payment methods, the payment process can be performed by the payment method.

Next, the settlement process will be described with reference to FIG.
In S <b> 20 of FIG. 4, the control unit of the Web terminal 4 receives a selection operation of a “decision” button (see FIG. 6A) and transmits the selected payment method information to the mediation server 1. At that time, the control unit of the Web terminal 4 also transmits a settlement acceptance number.
In S21, the control unit 10 (payment method information receiving unit 13) of the mediation server 1 receives the payment method information. Based on the payment acceptance number received together with the payment method information, the control unit 10 can associate with the payment request information received from the Web terminal 4 earlier.
In S <b> 22, the control unit 10 (payment execution unit 14) transmits payment information to the corresponding payment server 6. The settlement information includes a card number, settlement amount information, and a settlement acceptance number.

In S23, the control unit of the settlement server 6 performs a settlement process using the card number and the settlement amount information received from the mediation server 1. Then, the control unit of the settlement server 6 transmits the settlement result information and the settlement acceptance number to the mediation server 1. Thereafter, the control unit of the settlement server 6 ends this process.
In S24, the control unit 10 of the mediation server 1 receives the settlement result information together with the settlement acceptance number.
In S25, the control unit 10 (history control unit 15) stores the payment history information in the payment history storage unit 25 based on the payment result information.

Here, the settlement history storage unit 25 will be described with reference to FIG.
The settlement history storage unit 25 stores a settlement date, a master card ID, settlement method information, and settlement amount information in association with the settlement acceptance number. The payment history storage unit 25 stores payment history information related to payment processing using the master card 9 of all users P.
Returning to FIG. 4, in S <b> 26, the control unit 10 transmits settlement result information to the Web terminal 4. Then, the control part 10 complete | finishes this process.
In S <b> 17, the control unit of the Web terminal 4 receives the settlement result information and displays it on the display unit of the Web terminal 4.
FIG. 6B is an example of a payment completion screen 50 displayed on the display unit of the Web terminal 4.
The payment completion screen 50 displays the payment method used, the payment amount, and privilege information. The privilege information in this example is information regarding the granted points.

  As described above, in the payment system 100, the payment method information associated with the master card ID is displayed on the Web terminal 4 together with the privilege information. Therefore, the user P refers to the privilege information and selects the advantageous payment method. You can choose. Further, when a plurality of payment methods can be used, the payment method information is displayed on the Web terminal 4 together with the order, so that the user P can easily select the payment method. Further, the intermediary server 1 stores settlement history information including the master card ID. Accordingly, even when a terminal other than the Web terminal 4 is used, the payment history information can be accumulated. In addition, it is possible to accumulate payment history information across a plurality of payment methods.

Next, processing related to privilege information stored in the privilege table 22 will be described.
FIG. 7 is a flowchart showing a privilege setting process in the mediation server 1 according to the first embodiment.
This privilege setting process is performed, for example, at an appropriate timing (for example, every month).
In S30, the control unit 10 of the mediation server 1 refers to the payment history storage unit 25 and extracts the payment history information associated with the master card ID for each master card ID.
In S31, the control unit 10 (privilege setting unit 17) performs a privilege setting process.
Here, a specific example of the privilege setting process will be described.
The control unit 10 sorts the extracted payment history information, for example, for each payment method information of the payment history information. Then, privilege information is set according to the number of records of each settlement history information and the amount of settlement amount information totaled. For example, the control unit 10 sets privilege information that is more advantageous for the user P in order from the one with the smallest number of records of the settlement history information. Further, the control unit 10 sets privilege information that is more advantageous for the user P in descending order of the total payment amount information.

In S32, the control unit 10 causes the privilege table 22 to store the privilege information set by the privilege setting process.
In S33, the control unit 10 (order setting unit 18) refers to the privilege table 22 and the server privilege table 23, and ranks the privilege information corresponding to each settlement method information. This ranking is, for example, an order of privilege information that is more advantageous for the user P.
In S <b> 34, the control unit 10 stores the order assigned in S <b> 33 in the privilege table 22. Then, the control part 10 complete | finishes this process.

Thus, according to the payment system 100 of 1st Embodiment, there exist the following effects.
(1) Since the intermediary server 1 mediates the settlement processing executed between the Web terminal 4 and the settlement server 6, the settlement history storage unit 25 can store the settlement history information across a plurality of settlement methods. Accordingly, the mediation server 1 can set a privilege based on the payment history information stored in the payment history storage unit 25. At that time, the mediation server 1 can adjust which payment method is to be used by the user P in consideration of the usage status of each payment method.
Moreover, since the mediation server 1 provides the set privilege information to the user P, the user P can select a settlement method for obtaining a better privilege.

(2) Since the mediation server 1 extracts payment history information and sets a privilege for each master card ID, the privilege information can be set for each user P. Therefore, the set privilege can be made easier for the user P to use.
(3) The mediation server 1 can prompt the user P to use the settlement method by setting a privilege that is advantageous for a settlement method that is less frequently used.

(4) The mediation server 1 adds a normal privilege or a limited privilege set for each settlement server 6 to the privilege information set for each user P, and adds various privileges to the user P. Can be provided. Therefore, for example, the benefit information can be provided after taking into account the benefits at the settlement server 6 that cannot be obtained from the operation log between the portable terminal and the store terminal described in Patent Document 1, so It can provide more useful information.
Further, in the payment server 6, by giving a server-specific privilege for using the payment method of the payment server 6, the user P is encouraged to use the payment method corresponding to the payment server 6. Can do.
(5) Since the mediation server 1 ranks the payment methods based on the privilege information and displays them on the Web terminal 4 including the ranks, the user P can easily select the payment method.

(Second Embodiment)
In the second embodiment, a mode in which the mediation server automatically selects a settlement method advantageous to the user and performs the settlement process will be described. In the following description, parts that perform the same functions as those in the first embodiment described above are given the same reference numerals or the same reference numerals at the end, and redundant descriptions are omitted as appropriate.

<Payment system 200>
FIG. 8 is an overall schematic diagram of the payment system 200 according to the second embodiment.
FIG. 9 is a functional block diagram of the mediation server 201 according to the second embodiment.
The payment system 200 shown in FIG. 8 includes an intermediary server 201, a store terminal 204 (a payment terminal), a payment server 6, and a mobile terminal 208.
In the payment system 200, the user P carries the portable terminal 208. The portable terminal 208 stores a master card ID. Then, the user P performs a settlement process on the purchased item or the like by bringing the portable terminal 208 close to the reader / writer 204c included in the store terminal 204 of the store S. In the payment process, the mediation server 201 automatically selects a payment method that provides a privilege advantageous to the user P, and performs the payment process on the payment server 6 of the selected payment method.

<Intermediary server 201>
As illustrated in FIG. 9, the mediation server 201 includes a control unit 210, a storage unit 20, and a communication interface unit 29.
The control unit 210 includes a settlement request receiving unit 11, a settlement method selecting unit 216, a settlement executing unit 14, a history control unit 15, a privilege setting unit 17, a rank setting unit 18, and a server privilege receiving unit 19. Prepare.
The payment method selection unit 216 selects a payment method associated with an advantageous privilege based on the received payment request information.

<Store terminal 204>
Returning to FIG. 8, the store terminal 204 is a register provided in the counter of the store S.
In addition to the reader / writer 204c, the store terminal 204 includes a control unit, a storage unit, an input unit, a display unit, a communication interface unit, and the like (not shown).
The reader / writer 204c is a reading device that reads a master card ID from the portable terminal 208 using wireless communication such as Bluetooth (registered trademark) or NFC, for example.
<Mobile terminal 208>
The mobile terminal 208 is, for example, a mobile phone that also has a computer function represented by a smartphone. In addition, the portable terminal 208 may be a portable terminal such as a tablet terminal.
Although not shown, the portable terminal 208 includes a control unit, a storage unit, an input unit, a display unit, a communication interface unit, and the like. A master card ID is stored in advance in the storage unit of the portable terminal 208. The portable terminal 208 can perform a payment process using the master card ID.

<Processing of Payment System 200>
Next, processing by the payment system 200 will be described.
FIG. 10 is a flowchart showing a payment process of the payment system 200 according to the second embodiment.
The user P takes the purchased item at the store S to the counter where the store terminal 204 is installed, and the clerk uses the input unit of the store terminal 204 to obtain the barcode information attached to the purchased item. Enter. Then, after confirming the payment amount displayed on the display unit of the store terminal 204, the user P brings the portable terminal 208 closer to the reader / writer 204c. Then, the control part of the shop terminal 204 acquires the master card ID memorize | stored in the portable terminal 208 via the reader / writer 204c.
In S <b> 210, the control unit of the store terminal 204 transmits settlement request information to the mediation server 201. The settlement request information includes a master card ID and settlement amount information.

In S <b> 211, the control unit 210 (settlement request receiving unit 11) of the mediation server 201 receives settlement request information from the store terminal 204. Then, the control unit 210 acquires a settlement acceptance number.
S212 and S213 are the same as S12 and S13 of the first embodiment (FIG. 3). Further, the privilege setting process for generating the privilege table 22 referred to in S213 is the same as that in the first embodiment (FIG. 7).
In S214, the control unit 210 (payment method selection unit 216) selects a payment method based on the privilege information acquired in S213. For example, the control unit 210 selects a payment method having a higher rank associated with the privilege information.
In S215, the control unit 210 refers to the user payment information table 21 and obtains a card number corresponding to the selected payment method. Then, the control unit 210 (the payment execution unit 14) transmits the payment information to the corresponding payment server 6. The settlement information includes a card number, settlement amount information, and a settlement acceptance number.

S216 to S218 are the same as S23 to S25 of the first embodiment (FIG. 4).
In S219, the control unit 210 transmits the settlement result information to the store terminal 204. Thereafter, the control unit 210 ends this process.
In S <b> 220, the control unit of the store terminal 204 receives the settlement result information and displays it on the display unit of the store terminal 204. The screen displayed on the display unit of the store terminal 204 is the same as the payment completion screen 50 shown in FIG.
The user P can check which payment method is used and what kind of privilege is given by looking at the screen displayed on the display unit of the store terminal 204.

Thus, according to the payment system 200 of the second embodiment, the following effects are obtained.
(1) The mediation server 201 uses the master card ID to select a payment method for performing payment processing from a plurality of payment methods associated with the master card ID. Therefore, it is sufficient to transmit the master card ID from the store terminal 204.
The mediation server 201 converts the master card ID into a card number of the corresponding payment method, and transmits the payment information to the corresponding payment server 6. Since the master card ID transmitted from the store terminal 204 is not the card number used by the settlement server 6, the card number is not left in the log of the store terminal 204 and the security is improved.
In addition, since the master card ID is information for bundling a plurality of payment methods, the user P only needs to have the portable terminal 208 in which the master card ID is stored, and the cards corresponding to the plurality of payment methods are used. There is no need to possess it.

(2) Since the mediation server 201 selects one settlement method based on privilege information for each settlement method, for example, a settlement method with a better benefit can be selected and settled.
(3) Since the mediation server 201 selects a payment method with reference to the payment history information, a payment method with a low usage frequency can be used or a payment method with a high usage frequency can be used.
(4) Since the mediation server 201 includes the payment method information selected as the payment result information and transmits it to the store terminal 204, the user P can check the selected payment method.

  As mentioned above, although embodiment of this invention was described, this invention is not limited to embodiment mentioned above. In addition, the effects described in the embodiments are merely a list of the most preferable effects resulting from the present invention, and the effects of the present invention are not limited to those described in the embodiments. In addition, although embodiment mentioned above and the deformation | transformation form mentioned later can also be used in combination suitably, detailed description is abbreviate | omitted.

(Deformation)
(1) In each embodiment, it has been described that payment history information is stored in real time at the timing when payment processing is performed, but the present invention is not limited to this. For example, payment history information may be received from a payment server in a batch process.
(2) In the first embodiment, description has been given of performing both the payment method presentation process and the payment process via the mediation server, but the present invention is not limited to this. For example, in the payment method presentation processing, the payment method information may be directly transmitted from the Web terminal to the payment server in the payment processing after the information is output via the mediation server. In that case, in the payment method presentation process, when the privilege information is transmitted, it is necessary to transmit the card number of the payment method corresponding to the privilege information to the Web terminal, and to transmit the card number together with the payment method to the payment server. is there.

  (3) In the first embodiment, an example of payment using online shopping using a Web terminal has been described. In the second embodiment, an example of payment using a shop terminal has been described. The payment history storage unit has been described as storing payment history information obtained from the payment result information. The settlement history storage unit may include, for example, settlement history information of both the settlement history information in the first embodiment and the settlement history information in the second embodiment. By doing so, the payment history of all the payment processes can be accumulated without depending on the terminal used for payment, so that more multifaceted information can be obtained.

(4) In each embodiment, although it demonstrated as what performs privilege setting process using the payment log | history information for every master card ID, it is not limited to this. The privilege setting process may be performed based on all the settlement history information performed using the master card ID. By doing so, for example, a privilege is given from the viewpoint of profit return to a payment method with high usage frequency for all users, or conversely, a privilege from the viewpoint of promoting use to a payment method with low usage frequency. Can be granted.
(5) In each embodiment, although demonstrated as what sets a privilege for every payment system, it is not limited to this. For example, for a user who frequently uses a plurality of payment methods, a privilege granted regardless of which payment method is used may be set.

(6) In each embodiment, in the privilege setting process, the privilege information is set according to the number of records of each payment history information or the total amount of payment information. However, the present invention is not limited to this. For example, privilege information that can be used may be set according to the payment amount in the actual payment process. By doing so, for example, by giving a privilege for a higher payment amount, the user can be prompted to use it for a higher payment.
(7) In each embodiment, the privilege setting process has been described as ranking based on privilege information, but the present invention is not limited to this. For example, ranking may be performed based on the number of records in the settlement history information.

(8) In the first embodiment, the master card is described as being a card medium, and in the second embodiment, the master card is described as having a master card ID in the application program of the mobile terminal. However, the present invention is not limited to this. For example, in the second embodiment, a card medium may be used instead of the mobile terminal.
(9) In each embodiment, credits, points, and electronic money have been described as examples of payment methods, but the present invention is not limited to this.

DESCRIPTION OF SYMBOLS 1,201 Mediation server 4 Web terminal 6 Payment server 9 Master card 10,210 Control part 11 Settlement request reception part 12 Benefit provision part 14 Settlement execution part 15 History control part 17 Bonus setting part 18 Rank setting part 20 Storage part 21 User payment Information table 22 Benefit table 23 Server privilege table 25 Settlement history storage unit 40 Settlement method selection screen 100, 200 Settlement system 204 Store terminal 208 Mobile terminal 216 Settlement method selection unit N Communication network P User

Claims (9)

A payment history storage unit that stores payment history information related to payment processing in a plurality of payment servers that perform payment processing in association with the user;
Based on the payment history information stored in the payment history storage unit, privilege information that is a privilege when using each payment method is set for each payment method, and is stored in the privilege storage unit;
A payment management server. The payment management server according to claim 1,
The payment history storage unit stores the payment history information for each payment specifying information associated with one or more payment methods for each user,
The privilege setting unit sets the privilege information for each payment specifying information;
A payment management server characterized by The payment management server according to claim 1 or 2,
The privilege setting unit sets a more advantageous privilege for a payment method with a low usage frequency based on the payment history information;
A payment management server characterized by A payment management server according to any one of claims 1 to 3,
The privilege setting unit sets a privilege that can be used for a payment process with a certain amount or more, for a payment method with a high amount in the payment process based on the payment history information,
A payment management server characterized by A payment management server according to any one of claims 1 to 4,
Providing a privilege providing unit that transmits the privilege information stored in the privilege storage unit by the privilege setting unit together with payment method information related to a corresponding payment method;
A payment management server characterized by The payment management server according to claim 5,
A server privilege storage unit for storing server privilege information given in the settlement server;
The privilege providing unit adds the server privilege information to the privilege information and transmits the privilege information and the payment method information;
A payment management server characterized by In the settlement management server according to claim 5 or 6,
Based on at least one of the privilege information and the payment history information, a rank setting unit that sets rank information that is a ranking for each payment method,
The privilege providing unit includes the rank information set by the rank setting unit, and transmits the privilege information and the payment method information;
A payment management server characterized by In the settlement management server according to any one of claims 1 to 7,
Mediating between the payment terminal and the plurality of payment servers,
A history control unit that stores the settlement history information based on the settlement result information in a settlement history storage unit in response to receiving settlement result information from the settlement server from the settlement server;
A payment management server characterized by The settlement management server according to any one of claims 1 to 8,
The plurality of payment servers;
A payment terminal for acquiring payment specific information associated with one or more payment methods;
A payment system comprising:

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