JP2019153156A - Settlement processing system, information processing device, settlement method, information code display method, and program - Google Patents

Abstract

To provide a settlement processing system capable of accepting settlement processing done by a plurality of settlement services using an information code without previously checking for the types of the settlement services.SOLUTION: A settlement processing system 100 displays a standard QR code containing price information of a purchase object on a display unit 23 of a register 14. When acquiring the standard QR code on the display part 23, a user terminal 15 determines a settlement type for a settlement application being activated on the user terminal 15 for settlement processing as triggered by the acquisition, and acquires a settlement ID corresponding to the settlement type. The acquired settlement ID is transmitted to the register 14 from the user terminal 15. On the register 14, a specific QR code containing the received settlement ID is generated and is displayed on the display unit 23. The user terminal 15 acquires the displayed specific QR code, and performs settlement processing by using the settlement application on the basis of information indicated by the acquired specific QR code.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a payment processing system that reads an information code including price information of a purchase target and performs a payment process for the purchase target in an information processing apparatus such as a portable terminal used by a user based on the read information code.

  2. Description of the Related Art In recent years, a payment processing system has been proposed in which a product is paid (settled) using an information code such as a barcode or a QR code (registered trademark). As an example of such a payment processing system, the information code is read by a terminal device equipped with a camera such as a smartphone or a tablet, and the product is based on price information or payee information included in the read information code. And payment methods for paying for services are known. In particular, payment using a QR code is referred to as QR code payment.

  The QR code payment is based on user account information registered in advance (user ID, credit card information, electronic money information, etc.) by making a remittance request to the store through a payment application installed on a mobile terminal such as a smartphone. This is a payment method for completing the payment of the goods or services to be purchased.

  The QR code payment is roughly classified into two types: a payment method in which a shopper presents a QR code used for payment to the store, and a payment method in which the store presents a QR code used for payment to the shopper. In the former payment method, a shopper activates a payment application installed on his / her mobile terminal, and displays a QR code including the user account information registered in the payment application on the screen of the mobile terminal. The store side reads the QR code and makes a payment based on the user account information. In the latter settlement method, the store side displays a QR code including product price information on the screen of a tablet or a register and presents it to the shopper, and the shopper uses the settlement application installed on his / her mobile terminal. And make a payment based on the user account information registered in the payment application.

Japanese Patent Laid-Open No. 2015-185089

  The payment service that enables the above-mentioned QR code payment is provided by each company, and the payment application is different for each company. For this reason, in the QR code settlement in which the store side presents the QR code to the user and makes the settlement, the store confirms in advance the type of the settlement application used by the shopper and the QR corresponding to the type of the settlement application. A code must be issued and presented. In addition, when a new payment service appears on the market, it is necessary to update the firmware of all the registers in order to cope with the payment service, and there is a problem that the burden of renovation in the store is large.

  An object of the present invention is to provide a payment processing system, an information processing apparatus, a payment method, and an information code display capable of supporting payment processing by a plurality of payment services using an information code without confirming the type of payment service in advance. It is to provide a method and a program.

  A payment processing system according to one aspect of the present invention includes a first display processing unit, a first code acquisition unit, a payment information acquisition unit, a second code acquisition unit, and a payment processing unit. The first display processing unit displays a first information code including price information to be purchased on the display unit. The first code acquisition unit acquires the first information code by reading a screen of the display unit on which the first information code is displayed. The payment information acquisition unit acquires payment information used for a payment process for the purchase target in response to the acquisition of the first information code by the first code acquisition unit. The second code acquisition unit acquires a second information code including the payment information acquired by the payment information acquisition unit and the price information. The payment processing unit executes the payment processing based on the payment information and the price information included in the second information code acquired by the second code acquisition unit.

  An information processing apparatus according to another aspect of the present invention is an information processing apparatus used in a store that sells purchase objects, and includes a first display processing unit, a payment information acquisition unit, and a second display processing unit. Prepare. The first display processing unit displays a first information code including price information of the purchase target on the display unit. The payment information acquisition unit acquires payment information used for a payment process for the purchase target. The second display processing unit displays a second information code including the payment information acquired by the payment information acquisition unit and the price information on the display unit.

  An information processing apparatus according to another aspect of the present invention is an information processing apparatus in which a payment application for executing a payment process for a purchase target is installed, and includes a first code acquisition unit, a type determination unit, and payment information An acquisition unit, a second code acquisition unit, and a settlement processing unit. The first code acquisition unit acquires the first information code by reading a screen on which a first information code including price information of the purchase target is displayed. The type determination unit determines a type of the payment process in response to the first information code being acquired by the first code acquisition unit. The payment information acquisition unit acquires the payment information corresponding to the type determined by the type determination unit from a payment information storage unit that stores the type and payment information used for the payment process in association with each other. . The second code acquisition unit acquires a second information code including the payment information acquired by the payment information acquisition unit and the price information. The payment processing unit executes the payment processing according to the payment application based on the payment information and the price information included in the second information code acquired by the second code acquisition unit.

A settlement method according to another aspect of the present invention includes a first display step of displaying a first information code including price information of a purchase target on a display unit, and a screen of the display unit on which the first information code is displayed. A first code acquisition step of acquiring the first information code by reading; and payment information used for a payment process for the purchase object in response to the acquisition of the first information code by the first code acquisition step A payment information acquisition step for acquiring the payment information; a second display step for displaying a second information code including the payment information acquired by the payment information acquisition step and the price information on the display unit;
Included in the second code acquisition step of acquiring the second information code by reading the screen of the display unit on which the second information code is displayed, and the second information code acquired by the second code acquisition step A settlement step for executing the settlement process based on the settlement information and the price information.

  An information code display method according to another aspect of the present invention is applied to an information processing apparatus used in a store that sells a purchase target, and displays a first information code including price information of the purchase target on a display unit. A display step, and a second display step for displaying on the display unit a second information code including settlement information used for a settlement process for the purchase target input from the outside and the price information.

  A payment method according to another aspect of the present invention is applied to an information processing apparatus in which a payment application for executing a payment process for a purchase target is installed, and a first information code including price information of the purchase target is displayed. A first code acquisition step for acquiring the first information code by reading the screen, and a type for determining the type of the settlement process in response to the acquisition of the first information code by the first code acquisition step Payment information acquisition for acquiring the payment information corresponding to the type determined in the type determination step from a determination step and a payment information storage unit that stores the type and the payment information used for the payment processing in association with each other And a second information code including the payment information acquired by the payment information acquisition step and the price information. A second code acquisition step of acquiring a password, and executing the payment processing according to the payment application based on the payment information and the price information included in the second information code acquired by the second code acquisition step A settlement step.

  The present invention can also be understood as a program for causing a computer to execute the steps of the settlement method and the information code display method, or a computer-readable recording medium in which such a program is recorded non-temporarily. it can.

  ADVANTAGE OF THE INVENTION According to this invention, it can respond to the payment process by the some payment service using an information code, without confirming the kind of payment service in advance.

FIG. 1 is a diagram showing a network configuration of a payment processing system according to an embodiment of the present invention. FIG. 2 is a block diagram showing a configuration of a store server and a register constituting the payment processing system. FIG. 3 is a block diagram showing the configuration of the user terminal that constitutes the payment processing system. FIG. 4 is a flowchart illustrating an example of a procedure of various processes executed in the payment processing system. FIG. 5 is a flowchart showing an example of the procedure of the QR code display process executed in the register of the payment processing system. FIG. 6 is a flowchart showing an example of the procedure of the payment process executed at the user terminal of the payment processing system. FIG. 7 is a flowchart showing an example of the procedure of the payment ID extraction process executed by the store server of the payment processing system.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings as appropriate. In addition, embodiment described below is only an example which actualized this invention, and does not limit the technical scope of this invention.

[Payment processing system 100]
As shown in FIG. 1, a settlement processing system 100 (an example of the settlement processing system of the present invention) according to an embodiment of the present invention includes a store server 11 (an example of a server device of the present invention), a self-type register 14 (the present invention). An example of a store-side information processing device of the invention, a user terminal 15 (an example of a user-side information processing device of the present invention), and a settlement server 17 are included. There may be one register 14 or a plurality of registers 14. The store server 11 and the register 14 are installed in the store 200. In the present embodiment, an example will be described in which the payment processing system 100 is introduced into a store 200 such as a retail store that handles items such as clothes and shoes, a supermarket that handles a wide variety of products, and a department store.

  The store server 11 is a server device that manages product information such as products handled at the store 200 and the number of stocks. The store server 11 and the register 14 can communicate with each other through a communication network N1 such as a wireless LAN (in-store LAN) installed in the store 200.

  The register 14 is an example of an information processing device, and is a terminal device that accepts payment when a user (user) who enters the store 200 as a shopper performs payment (payment) for a product to be purchased. When the register 14 reads the product code from all the products to be purchased, the register 14 performs the settlement process by the user terminal 15 based on the product identification information (product name, price, product ID, etc.) included in the product code. A necessary QR code for settlement (an example of the information code of the present invention) is created (generated) and displayed on the screen to the user.

  Here, the product code is attached to each product sold in the store 200, and is an information code indicating product identification information including a product name, a price, a product ID, etc. for identifying the product. is there. A bar code is used as the product code. Of course, the bar code is an example of the product code, and another information code such as a QR code may be applied as the product code.

  The user terminal 15 is an example of an information processing device, and is a terminal device that is owned and used by a user who entered the store 200 when purchasing a product displayed in the store 200. The user terminal 15 is, for example, a mobile terminal such as a smartphone, a mobile phone, or a tablet terminal. The user terminal 15 and the register 14 can communicate with each other through a communication network N2 based on a short-range wireless communication standard represented by Bluetooth (registered trademark), FeliCa (registered trademark), or the like.

  A conventionally known settlement application is installed in the user terminal 15. The user uses the settlement application in the register 14 to settle the product to be purchased. The payment application is application software provided by a service company that provides a payment service that enables payment using a QR code (QR code payment), and a different payment application is provided for each company. The existing payment services that can be used by users include, for example, names such as “Alipay”, “WeChat Pay”, “LINE Pay”, “Origami Pay”, and “Rakuten Pay” (all are registered trademarks). Known payment services are provided.

  The settlement server 17 is a server device managed by a settlement operator (for example, a credit card company). The settlement server 17 and the user terminal 15 can communicate with each other through a communication network N3 such as the Internet, LAN, WAN, or public telephone line.

  The payment processing system 100 is introduced into the store 200. The settlement processing system 100 enables a user who has visited the store 200 to efficiently perform settlement (payment) of a product or service to be purchased in the register 14.

  Hereinafter, with reference to FIG. 2 and FIG. 3, a specific configuration of each device constituting the payment processing system 100 for realizing the payment processing using the QR code for payment (QR code for payment) will be described.

[Register 14]
As shown in FIG. 2, the register 14 is a terminal device (information processing device) that accepts payment (payment) of a product to be purchased, and includes a control unit 21, an operation input unit 22, a display unit 23, a storage unit 24, a code A reader 25 and a communication I / F 26 are provided. The register 14 is a so-called self-type self-supporting dedicated terminal. The register 14 may be any type of information processing apparatus as long as it has each component described later, and is not limited to the self-type, but is a type in which the staff of the store 200 inputs a product code. But you can. Moreover, it is not restricted to the said exclusive terminal, For example, the terminal system called a POS cash register, a smart phone, a tablet terminal, a personal computer, or the register system comprised combining these may be sufficient.

  The communication I / F 26 connects the register 14 to the communication network N1 in a wired or wireless manner, and performs communication for executing data communication according to a predetermined communication protocol with an external device such as the store server 11 through the communication network N1. Interface. The communication I / F 26 enables data communication with a device such as the user terminal 15 through the register 14 by radio (for example, near field radio such as Bluetooth).

  The operation input unit 22 is a user interface such as a mouse, a keyboard, or a touch panel that receives user operations. The user operates the operation input unit 22 to input a product reading completion indicating that all the product codes have been read in order to present the payment QR code.

  The display unit 23 is a display device such as a liquid crystal display or an organic EL display that displays various types of information. The screen of the display unit 23 displays the payment QR code necessary for the payment process by the user terminal 15, a list of products to be purchased by the user, the price of the product price to be paid, and the like. The user pays for the product using the payment QR code displayed on the screen of the display unit 23 and the payment application installed in the user terminal 15.

  The storage unit 24 is a non-volatile storage medium such as a flash memory that stores various types of information. The storage unit 24 stores a control program for causing the control unit 21 to execute various processes, a program for performing a QR code generation process to be described later, various information used for the various processes, and the like. The storage unit 24 temporarily stores the product identification information of the product to be purchased, which is read by a code reader 25 described later.

  The code reader 25 includes a reading unit that reads an image of the product code, and is a reading device that acquires the product identification information indicated by the product code from the product code read by the reading unit. The code reader 25 is a barcode reader using a laser beam when the product code is a barcode, and is a QR code reader having an image sensor when the product code is a QR code.

  The control unit 21 includes control devices such as a CPU, a ROM, and a RAM. The CPU is a processor that executes various arithmetic processes. The ROM is a non-volatile storage unit in which control programs such as BIOS and OS for causing the CPU to execute various processes are stored in advance. The RAM is a volatile or nonvolatile storage unit that stores various types of information, and is used as a temporary storage memory (working area) for various types of processing executed by the CPU. Then, the control unit 21 controls the user terminal 15 by executing various control programs stored in advance in the ROM or the storage unit 24 by the CPU.

  As illustrated in FIG. 2, the control unit 21 includes various processing units such as a QR code generation unit 211, a display processing unit 212, a transmission processing unit 213, and a reception processing unit 214. The control unit 21 functions as the various processing units by executing various processes according to the control program by the CPU. Moreover, one part or all part processing part contained in the control part 21 may be comprised with the electronic circuit. The control program may be a program for causing a plurality of processors to function as the various processing units.

  The QR code generation unit 211 generates the QR code for payment necessary for the payment process by the user terminal 15 based on the product identification information of all the products to be purchased acquired by the code reader 25. I do. The storage unit 24 stores a conventionally known program for executing the QR code generation process. The QR code generation unit 211 generates the payment QR code by performing processing according to the program. The payment QR code includes information on the amount to be paid by the user as a product price (price information), identification information for identifying the store 200 (store ID), and the like. The payment QR code may include a payment ID (an example of payment information of the present invention) described later.

  In the present embodiment, the QR code generating unit 211 generates two types of QR codes for settlement including the same price information for one settlement process related to the purchase target. Of the two types of settlement QR codes, the first created QR code is a settlement QR code that does not include the settlement ID (hereinafter sometimes referred to as “standard QR code”), and is created later. Is a QR code for payment including the payment ID (hereinafter may be referred to as “specific QR code”). The standard QR code is an example of a first information code according to the present invention. The specific QR code is an example of a second information code of the present invention. Specifically, the QR code generation unit 211 generates the standard QR code first when the product reading completion is input via the operation input unit 22, and then receives the settlement ID from the outside. Then, the specific QR code is generated.

  The display processing unit 212 performs a QR code display process for displaying the payment QR code generated by the QR code generation unit 211 on the screen of the display unit 23. The display processing unit 212 is an example of a first display processing unit and a second display processing unit of the present invention. In this embodiment, the QR code for settlement is displayed on the screen of the display unit 23 together with the amount of the commodity price to be paid by the user. By displaying the payment QR code on the display unit 23, the payment QR code is presented to the user. In the present embodiment, while the user images the screen of the display unit 23 using the user terminal 15 in order to read the payment QR code, the above-described two types of payment QR codes (standard QR code) are used. , Specific QR code) are sequentially displayed on the display unit 23. Specifically, the display processing unit 212 displays the standard QR code on the screen of the display unit 23, and then displays the specific QR code on the display unit 23 when the QR code generation unit 211 generates the specific QR code. The standard QR code that has been changed is changed to the specific QR code. That is, the content displayed on the display unit 23 is switched from the standard QR code to the specific QR code.

  The transmission processing unit 213 transmits various information to the store server 11. The store server 11 stores product information regarding all products that can be sold in the store 200. When the user completes the payment (settlement) of the product, and the completion notification is transmitted from the user terminal 15 to the register 14, the transmission processing unit 213 sends the information on the sold product for which settlement has been completed to the store server 11. Send. In the store server 11, the product information stored in the product information storage unit 321 of the store server 11 is updated based on the received information on sold products.

  The reception processing unit 214 performs processing for receiving the payment ID transmitted from the user terminal 15 through the communication network N2. The reception processing unit 214 is an example of a reception unit according to the present invention. When the reception processing unit 214 receives the payment ID transmitted from the user terminal 15 and input to the communication I / F 26, the reception processing unit 214 stores the received payment ID in the storage unit 24. The stored settlement ID is used for the generation of the specific QR code by the QR code generation unit 211.

[Store server 11]
As shown in FIG. 2, the store server 11 is a server device that manages product information such as products handled at the store 200 and the number of stocks, and is a server computer that includes a control unit 31, a storage unit 32, a communication I / F 35, and the like. is there. The store server 11 is not limited to one computer, and may be a computer system in which a plurality of computers operate in cooperation. In addition, various processes executed by the store server 11 may be executed in a distributed manner by one or a plurality of processors.

  The communication I / F 35 connects the store server 11 to the communication network N1 by wire or wirelessly, and performs data communication according to a predetermined communication protocol with an external device such as the user terminal 15 or the register 14 through the communication network N1. It is a communication interface for executing.

  The storage unit 32 is a nonvolatile storage unit including a semiconductor memory that stores various types of information, an HDD (Hard Disk Drive), an SSD (Solid State Drive), or the like. In the present embodiment, the configuration in which the storage unit 32 is provided in the store server 11 is exemplified. It may be stored in an external device such as another server device capable of data communication with the storage device or a network-connectable storage device. Also, a settlement ID storage unit 322, which will be described later, may be stored in the external device. In this case, the store server 11 reads necessary information such as the payment ID from the external device or stores the information in the external device as necessary.

  The storage unit 32 stores a control program for causing the control unit 31 to execute various control processes and various processes such as a settlement ID extraction process described later. For example, the control program is non-temporarily recorded on a computer-readable recording medium such as a CD or a DVD, and is read by a reading device (not shown) such as a CD drive or a DVD drive provided in the store server 11. Stored in the storage unit 32.

  The storage unit 32 is divided into a plurality of storage areas. Specifically, the storage unit 32 is provided with a product information storage unit 321 and a settlement ID storage unit 322. The settlement ID storage unit 322 is an example of a settlement information storage unit of the present invention.

  The product information storage unit 321 stores product information regarding all products that can be sold in the store 200. The product information is information about the product, for example, product name, product price, product ID (JAN code, etc.), product type, product life (expiration date, expiration date, expiration date, etc.), number of stocks, etc. Etc. The product information stored in the product information storage unit 321 is updated each time a change such as increase / decrease occurs. For example, the number of products in stock is updated by the control unit 31 of the store server 11 when the user pays for (settens) the product or when a new stock is received.

  The settlement ID storage unit 322 stores a settlement ID that is settlement information. The payment ID is an identification number (identification code) used for a payment process applied to a product or service to be purchased. As described above, in this embodiment, payment processing is performed using the payment application installed in the user terminal 15. The payment application is provided by each service company that provides a payment service. The user installs a specific payment application corresponding to the selected payment service in the user terminal 15 and performs payment processing in order to use the payment service selected by himself / herself from a plurality of payment services. That is, the payment ID is an identification code for specifying the payment application used for the payment processing, and is a unique ID given in advance for each payment service and each payment application.

  In the present embodiment, a plurality of settlement IDs corresponding to a plurality of settlement services are stored in the settlement ID storage unit 322. Specifically, table data in which a plurality of the settlement IDs are associated with the types of the settlement service or the settlement application (hereinafter referred to as “settlement type”) is stored in the settlement ID storage unit 322. . As the payment type, for example, the name of the payment service or the payment application (payment service name, application name) or unique information included in property information (attribute information) of the payment application can be used. These pieces of information related to the payment type can be acquired from the payment application activated for payment processing in the user terminal 15 or file information stored in association with the storage unit of the payment application.

  The control unit 31 includes control devices such as a CPU, a ROM, and a RAM. The CPU is a processor that executes various arithmetic processes. The ROM is a non-volatile storage unit in which control programs such as BIOS and OS for causing the CPU to execute various arithmetic processes are stored in advance. The RAM is a volatile or nonvolatile storage unit that stores various types of information, and is used as a temporary storage memory (working area) for various types of processing executed by the CPU. The control unit 31 controls the store server 11 by executing various control programs stored in advance in the ROM or the storage unit 32 with the CPU.

  As illustrated in FIG. 2, the control unit 31 includes various processing units such as a settlement ID extraction unit 311, a transmission processing unit 312, and a reception processing unit 313. The control unit 31 functions as the various processing units by executing various processes according to the control program by the CPU. Moreover, one part or all part processing part contained in the control part 31 may be comprised with the electronic circuit. The control program may be a program for causing a plurality of processors to function as the various processing units.

  The settlement ID extraction unit 311 performs a settlement ID extraction process for extracting the settlement ID corresponding to the settlement type transmitted from the user terminal 15 from the settlement ID storage unit 322. The settlement ID extraction unit 311 is an example of a settlement information extraction unit according to the present invention. Specifically, the settlement ID extraction unit 311 collates the settlement type transmitted from the user terminal 15 with the table data in the settlement ID storage unit 322 and searches for the same settlement type. When the same settlement type is searched, the settlement ID associated with the settlement type is extracted from the table data.

  In the present embodiment, an example in which the settlement ID extraction unit 311 functions by the control unit 31 of the store server 11 will be described. However, the settlement ID extraction unit 311 is not limited to the control unit 31 of the store server 11, and for example, communication It may function by a control unit such as another server device or network terminal device capable of data communication with the user terminal 15 through the network N1 or the Internet.

  The transmission processing unit 213 transmits various information to the user terminal 15. Specifically, when the payment ID extraction unit 311 extracts the payment ID, the transmission processing unit 213 transmits the payment ID to the user terminal 15. When the payment ID is not extracted by the payment ID extraction unit 311, error information indicating that no payment ID exists is transmitted to the user terminal 15.

  The reception processing unit 313 performs processing for receiving the payment type transmitted from the user terminal 15 through the communication network N1. When receiving the payment type transmitted from the user terminal 15 and input to the communication I / F 35, the reception processing unit 313 stores the received payment type in the storage unit 32. The stored settlement type is used for the settlement ID extraction process by the settlement ID extraction unit.

[User terminal 15]
As shown in FIG. 3, the user terminal 15 includes a control unit 41, an operation input unit 42, a display unit 43, a storage unit 44, an imaging unit 45, a communication I / F 46, and the like. The user terminal 15 is a mobile terminal possessed by the user of the store 200, and is, for example, a smartphone, a mobile phone, or a tablet terminal.

  The communication I / F 46 connects the user terminal 15 to the communication network N1 in a wired or wireless manner, and follows a predetermined communication protocol with an external device such as the store server 11 or the settlement server 17 via the communication network N1. It is a communication interface for executing data communication. In addition, the communication I / F 46 enables data communication with the register 14 through the user terminal 15 wirelessly (for example, short-range wireless such as Bluetooth).

  The operation input unit 42 is a user interface such as a mouse, a keyboard, or a touch panel that receives a user operation. When the user operates the payment application installed in the user terminal 15 or reads the QR code for payment at the time of payment processing, the user operates the operation input unit 42 to obtain predetermined instructions and information. Enter.

  The display unit 43 is a display device such as a liquid crystal display or an organic EL display that displays various types of information.

  The storage unit 44 is a non-volatile storage medium such as a flash memory that stores various types of information. The storage unit 44 stores a control program for causing the control unit 41 to execute various processes, a payment application program for executing a payment process, various information used for the various processes, and the like.

  The imaging unit 45 is a digital camera that captures an image of a subject and outputs it as digital image data. The imaging unit 45 is used when reading the payment QR code from the display unit 23 of the register 14. That is, the user images the payment QR code displayed on the display unit 23 with the imaging unit 45.

  The control unit 41 includes control devices such as a CPU, a ROM, and a RAM. The CPU is a processor that executes various arithmetic processes. The ROM is a non-volatile storage unit in which control programs such as BIOS and OS for causing the CPU to execute various processes are stored in advance. The RAM is a volatile or nonvolatile storage unit that stores various types of information, and is used as a temporary storage memory (working area) for various types of processing executed by the CPU. Then, the control unit 41 controls the user terminal 15 by executing various control programs stored in advance in the ROM or the storage unit 44 by the CPU.

  As illustrated in FIG. 3, the control unit 41 includes a first reading processing unit 411, a settlement type determination unit 412, a second reading processing unit 413, a settlement processing unit 414, a transmission processing unit 415, a reception processing unit 416, and an acquisition completion notification. Various processing units such as a unit 417 are included. The first reading processing unit 411 is an example of a first code acquisition unit of the present invention. The settlement type determination unit 412 is an example of a type determination unit of the present invention. The second reading processing unit 413 is an example of a second code acquisition unit of the present invention. The settlement processing unit 414 is an example of a settlement processing unit of the present invention. The transmission processing unit 415 is an example of a transmission unit, a payment completion notification unit, and a payment information output unit according to the present invention. The reception processing unit 416 is an example of a payment information acquisition unit of the present invention. The acquisition completion notification unit 417 is an example of the acquisition completion notification unit of the present invention.

  The control unit 41 functions as the various processing units by executing various processes according to the control program by the CPU. Moreover, one part or all part processing part contained in the control part 41 may be comprised with the electronic circuit. The control program may be a program for causing a plurality of processors to function as the various processing units.

  The first reading processing unit 411 acquires various types of information included in the payment QR code based on the image data of the payment QR code imaged by the imaging unit 45. The first reading processing unit 411 operates as one function of the payment application together with a second reading processing unit 413 and a payment processing unit 414 described later when the payment application is activated on the user terminal 15. When a QR code reading instruction is input while the payment application is activated, the imaging unit 45 is activated, and imaging by the imaging unit 45 is enabled on the payment application. In this state, when the user puts the camera lens of the imaging unit 45 on the screen of the display unit 23 of the register 14, the reading operation of the settlement QR code displayed on the display unit 23 is started.

  As described above, the QR code for settlement initially displayed on the display unit 23 of the register 14 for the settlement processing is the standard QR code. Therefore, the first reading processing unit 411 acquires the standard QR code by reading the screen of the display unit 23 on which the standard QR code is displayed after the reading of the settlement QR code is started. Further, the first reading processing unit 411 obtains information (price information) on the amount that the user should pay as a product price and identification information (store ID) for identifying the store 200 from the acquired standard QR code. The information is read and stored in the storage unit 44.

  The payment type determination unit 412 performs a determination process for determining the payment type of the payment application used in the user terminal 15 in response to the standard QR code being read by the first reading processing unit 411. That is, the determination process by the settlement type determination unit 412 is started with the reading of the standard QR code as a trigger. Such determination processing is performed based on the name of the payment service and the name of the payment application included in the property information (attribute information) of the payment application activated on the user terminal 15. Specifically, the payment type is the name of a payment service, the name of a payment application, or information indicating these.

  The transmission processing unit 415 transmits various information to the store server 11 and the register 14. Specifically, the transmission processing unit 415 transmits the payment type of the activated payment application determined by the payment type determination unit 412 to the store server 11.

  In addition, when receiving the payment ID transmitted from the store server 11 after transmitting the payment type, the transmission processing unit 415 transmits the received payment ID to the register 14. That is, the transmission processing unit 415 transmits the payment ID extracted by the payment ID extraction unit 311 to the register 14 in the store server 11.

  The reception processing unit 416 acquires the payment ID corresponding to the payment type determined by the payment type determination unit 412 from the payment ID storage unit 322 of the store server 11. Specifically, the reception processing unit 416 acquires the payment ID by receiving the payment ID transmitted from the register 14 to the user terminal 15. When receiving the payment ID, the reception processing unit 313 stores the received payment ID in the storage unit 44. The acquired settlement ID is transmitted to the register 14 by the transmission processing unit 415.

  The second reading processing unit 413 acquires the specific QR code by reading the screen during imaging of the screen of the display unit 23 by the imaging unit 45. As described above, when receiving the settlement ID, the register 14 generates the specific QR code including the settlement ID, and the display content of the display unit 23 is changed from the standard QR code to the specific QR code. The Therefore, the second reading processing unit 413 can read the specific QR code changed from the standard QR code during imaging by the imaging unit 45.

  The acquisition completion notifying unit 417 performs notification processing for notifying that the reading of the specific QR code is completed after the second QR code is read by the second reading processing unit 413. For example, the notification process is a process of outputting a voice message indicating completion, a process of outputting a sound effect, a process of generating a vibration, or the like at the user terminal 15. By performing such notification, the user can recognize that the acquisition of the QR code for payment has been completed, and can finish the reading operation of the specific QR code.

  The payment processing unit 414 executes a payment process for the product to be purchased based on the payment ID and the price information included in the specific QR code acquired by the second reading processing unit 413. In the present embodiment, the payment processing unit 414 performs the payment processing according to the payment application installed in the user terminal 15. In the payment application, user account information including user credit card information and user ID is registered in advance. The payment processing unit 414 transmits a payment request to the payment server 17 that provides an electronic payment service in the payment operator specified by the user account information, and executes a payment process for the product price. The payment request includes information such as a user ID in addition to the amount of money and store ID included in the specific QR code.

  In addition, the transmission processing unit 415 transmits a payment completion notification (payment result) indicating that the payment processing executed in the payment processing unit 414 has been completed to the register 14. As a result, the register 14 can recognize the completion of the settlement process, and can proceed to the next settlement process.

  Hereinafter, with reference to FIG. 4, an example of a flow of a settlement process performed when a user purchases a product at the store 200 will be described, and the settlement method of the present invention will be described.

  While buying around the store 200, the user picks up a product he / she wants to purchase (a product to be purchased) from the display shelf and puts the product into the shopping basket. Then, when paying (settlement) the price of the product to be purchased, the user goes to the register 14 and causes the code reader 25 of the register 14 to read the product code. When the code reader 25 reads all the product codes in the register 14 (S1), the display processing unit 212 performs a QR code display process for displaying the payment QR code on the display unit 23 (S2). Details of the QR code display processing will be described later.

  The user activates the payment application on the user terminal 15 for the payment processing of the product to be purchased (S11). Then, the user uses the payment application to start reading the payment QR code displayed by the QR code display process (S12). That is, the user directs the camera lens of the imaging unit 45 toward the screen of the display unit 23. During the reading operation, a QR code acquisition process for acquiring the QR code for settlement is performed (S13). Details of the QR code acquisition process will be described later.

  During the execution of the QR code acquisition process, the payment type is transmitted from the user terminal 15 to the store server 11. Then, the store server 11 performs a payment ID extraction process for extracting a payment ID based on the received payment type (S21). The payment ID extracted by the payment ID extraction process is transmitted from the store server 11 to the user terminal 15 and used for the QR code acquisition process. Details of the settlement ID extraction process will be described later.

  When the specific QR code displayed by the QR code display process is acquired by the QR code acquisition process, the acquisition completion notification unit 417 performs a process of notifying that the reading of the specific QR code is completed (S14). ). When the user recognizes the completion of reading, the user removes the camera lens of the imaging unit 45 from the screen of the display unit 23 and ends the reading operation (S15).

  Thereafter, the payment processing unit 414 performs a payment process according to the payment application based on the payment ID and price information included in the specific QR code (S16). Specifically, the settlement processing unit 414 transmits the settlement request to the settlement server 17 by the settlement application, and causes the settlement server 17 to execute a remittance process. Step S16 is an example of a settlement step of the present invention.

  The settlement server 17 that has received the settlement request performs a remittance process of a specified amount to a specified payee based on various information such as price information and user account information included in the settlement request (S31). Thereafter, a notification that the remittance has been completed (a remittance completion notification) is transmitted from the settlement server 17 to the user terminal 15 (S32).

  Receiving the transmission completion notification, the user terminal 15 transmits a payment completion notification indicating that the payment has been completed to the register 14 (S17).

  The register 14 that has received the settlement completion notification transmits information on the sold products for which settlement has been completed to the store server 11 (S3).

  Then, the store server 11 updates the product information in the product information storage unit 321 based on the received information on the sold products (S22).

[QR code display processing]
Hereinafter, the procedure of the QR code display process executed by the control unit 21 of the register 14 will be exemplified and the information code display method of the present invention will be described using the flowchart of FIG. 5, S101, S102,... Indicate processing procedure numbers (step numbers).

  When the product codes of all the products to be purchased are read and the product reading completion is input via the operation input unit 22, the control unit 21 of the register 14 generates the standard QR code (S101). Thereafter, the standard QR code is displayed on the screen of the display unit 23 (S102). Step S102 is an example of the first display step of the present invention. The control unit 21 displays the standard QR code on the display unit 23 and then maintains a standby state until the payment ID is received from the user terminal 15. That is, the state where the standard QR code is displayed on the display unit 23 is maintained.

  In the next step S103, the control unit 21 determines whether or not the settlement ID transmitted from the user terminal 15 has been acquired. Specifically, it is determined whether or not the payment ID is received from the user terminal 15. If it is determined that the payment ID has been received (Yes in S103), the control unit 21 generates the specific QR code that is a payment QR code including the received payment ID in the next step S104. To do.

  Thereafter, the control unit 21 displays the specific QR code on the screen of the display unit 23 in step S105. Step S105 is an example of a second display step of the present invention. Specifically, the control unit 21 changes the standard QR code displayed on the display unit 23 to the specific QR code. That is, the content displayed on the display unit 23 is switched from the standard QR code to the specific QR code. The display process in step S <b> 105 is performed during a reading operation in which the user images the screen of the display unit 23 using the user terminal 15. That is, the specific QR code is displayed on the display unit 23 during the reading operation. Therefore, the user terminal 15 reads the specific QR code continuously after the standard QR code.

  In step S103, when error information is received from the user terminal 15 without receiving the payment ID (S106), the control unit 21 interrupts the QR code display process and a series of payment processes (S107). In step S103, the control unit 21 also interrupts the QR code display process and a series of payment processes even when a timeout occurs without receiving the payment ID.

[QR code acquisition process]
Hereinafter, an example of the procedure of the QR code acquisition process executed by the control unit 41 of the user terminal 15 will be described with reference to the flowchart of FIG. 6, S201, S202,... Indicate processing procedure numbers (step numbers).

  When the standard QR code is displayed on the display unit 23 by the QR code acquisition process, the user performs an operation of reading the standard QR code using the user terminal 15 that has activated the payment application. During this reading operation, the control unit 41 of the user terminal 15 acquires the standard QR code by imaging the screen of the display unit 23 by the imaging unit 45 (S201). Step S201 is an example of a first code acquisition step of the present invention.

  In the next step S202, the control unit 41 determines the payment type of the payment application activated on the user terminal 15 for the payment process, triggered by the acquisition of the standard QR code. Step S202 is an example of the type determination step of the present invention. When the settlement type is determined, the settlement type determined in step S202 is transmitted to the store server 11 (S203). In the next step S <b> 204, the control unit 21 determines whether or not the settlement ID has been received from the store server 11. If it is determined that the payment ID has been received (Yes in S204), the control unit 21 stores the received payment ID in the storage unit 44 (S205). That is, in steps S202 to S205, in response to the acquisition of the standard QR code, processing for acquiring the settlement ID used for the settlement processing for the purchase target is performed. Thereafter, the control unit 21 transmits the received settlement ID to the register 14 (S206). Steps S202 to S204 are an example of the settlement information acquisition step of the present invention.

  In the next step S207, during the reading operation by the user, the control unit 41 of the user terminal 15 acquires the specific QR code by imaging the screen of the display unit 23 by the imaging unit 45 (S207). Step S207 is an example of a second code acquisition step of the present invention. The acquired specific QR code is stored in the storage unit 44 and used for the settlement processing in step S16.

  In step S204, when error information is received from the store server 11 without receiving the payment ID (S209), the control unit 41 interrupts the QR code acquisition process and a series of payment processes (S210). In step S204, the control unit 41 also interrupts the QR code acquisition process and a series of payment processes even when a timeout occurs without receiving the payment ID.

[Settlement ID extraction process]
Hereinafter, an example of the procedure of the settlement ID extraction process executed by the control unit 31 of the user terminal 15 will be described with reference to the flowchart of FIG. In FIG. 7, S301, S302,... Indicate processing procedure numbers (step numbers).

  When the payment type is transmitted from the user terminal 15, the control unit 31 of the store server 11 determines whether or not the payment type is received from the user terminal 15 (S301). In the next step S <b> 302, the control unit 31 performs a payment ID extraction process for extracting the payment ID corresponding to the received payment type from the payment ID storage unit 322 of the storage unit 32. In this process, the received payment type and the table data stored in the payment ID storage unit 322 are collated to search whether the same payment type exists. Is retrieved, the settlement ID associated with the settlement type is extracted from the table data.

  When the settlement ID corresponding to the received settlement type is extracted by the settlement ID extraction process in step S302 (Yes in S303), in the next step S304, the control unit 31 sends the settlement ID to the user terminal 15. Send.

  If the settlement ID corresponding to the received settlement type is not extracted (No in S303), the control unit 31 outputs error information to the user terminal 15 (S305), and then performs the QR code acquisition process. The series of payment processes is interrupted (S306).

  As described above, in the payment processing system 100 according to the present embodiment, the standard QR code including the price information of the purchase target of the user is displayed on the display unit 23 in the register 14 and the payment used for the payment processing. When the ID is acquired, the display content of the display unit 23 is switched from the standard QR code to the specific QR code including the settlement ID. This switching is performed during a reading operation in which the user is reading the screen of the display unit 23 using the user terminal 15. When the user terminal 15 acquires the standard QR code of the display unit 23, the acquisition is used as a trigger to determine the payment type of the payment application running on the user terminal 15 for payment processing, and the payment A settlement ID corresponding to the type is acquired from the store server 11. The acquired settlement ID is transmitted from the user terminal 15 to the register 14 and used for generating the specific QR code. The user terminal 15 can specify the payment application by the payment ID indicated by the acquired specific QR code by acquiring the specific QR code displayed on the display unit 23. Then, the user terminal 15 performs a payment process using the payment application based on price information indicated by the specific QR code.

  Since the payment processing system 100 performs the above-described payment processing, there is no need for the user to confirm in advance the type of payment application used on the user terminal 15 or the type of payment service, and payment processing using the payment application. Can be performed smoothly.

  The settlement processing system 100 of the present invention is not limited to the above-described embodiment, and may be in the form shown below.

  As another embodiment, the settlement ID extracted by the store server 11 may be transmitted directly from the store server 11 to the register 14 without being transmitted to the register 14 via the user terminal 15. .

  When the payment ID of the payment application used for payment processing is stored in the user terminal 15, the control unit 41 of the user terminal 15 stores the standard QR code and stores it in the user terminal 15. The settlement ID may be transmitted to the register 14. For example, if the user has purchased a product in the store 200 in the past, the payment ID is stored in the storage unit 44 in step S205. In this case, the past purchase history of the user at the store 200 is stored in advance in the storage unit of the store server 11 or the user terminal 15, and the control unit 41 has purchased a product in the past based on the purchase history. When it is determined that there is a case, it is preferable to read the settlement ID from the storage unit 44 and transmit it to the register 14.

  In the above-described embodiment, the payment process using the payment QR code (payment QR code) as the information code is exemplified. However, the present invention is not limited to such a payment process. For example, the settlement process may use another two-dimensional code different from the QR code as an information code, or a one-dimensional code such as a barcode.

11: Store server 14: Register 15: User terminal 17: Payment server 21: Control unit 22: Operation input unit 23: Display unit 24: Storage unit 25: Code reader 26: Communication I / F
31: Control unit 32: Storage unit 35: Communication I / F
41: Control unit 42: Operation input unit 43: Display unit 44: Storage unit 45: Imaging unit 46: Communication I / F
100: Settlement processing system 200: Store 211: QR code generation unit 212: Display processing unit 213: Transmission processing unit 214: Reception processing unit 311: Settlement ID extraction unit 312: Transmission processing unit 313: Reception processing unit 321: Store product information Unit 322: Settlement ID storage unit 411: First reading processing unit 412: Settlement type determination unit 413: Second reading processing unit 414: Settlement processing unit 415: Transmission processing unit 416: Reception processing unit 417: Acquisition completion notification unit

Claims (15)

A first display processing unit for displaying a first information code including price information of a purchase target on the display unit;
A first code acquisition unit that acquires the first information code by reading a screen of the display unit on which the first information code is displayed;
A payment information acquisition unit for acquiring payment information used for a payment process for the purchase object in response to the acquisition of the first information code by the first code acquisition unit;
A second code acquisition unit for acquiring a second information code including the payment information and the price information acquired by the payment information acquisition unit;
A payment processing system comprising: a payment processing unit that executes the payment processing based on the payment information and the price information included in the second information code acquired by the second code acquisition unit. The payment processing unit is provided in a user-side information processing device used by a user, performs the payment processing according to a payment application installed in the user-side information processing device,
The payment information acquisition unit determines a type of the payment process, and acquires the payment information corresponding to the determined type from a payment information storage unit that stores the type and the payment information in association with each other. The payment processing system according to claim 1. A second display processing unit for displaying the second information code on the display unit;
The second code acquisition unit acquires the second information code by reading a screen of the display unit on which the second information code is displayed,
The first display processing unit and the second display processing unit are provided in a store-side information processing device used in a store that sells the purchase target,
The first code acquisition unit and the second code acquisition unit are provided in the user-side information processing apparatus,
The payment information acquisition unit
A type determination unit that determines the type in response to the acquisition of the first information code by the first code acquisition unit;
A payment information extraction unit that extracts the payment information corresponding to the type determined by the type determination unit from the payment information storage unit;
A transmission unit that transmits the payment information extracted by the payment information extraction unit to the store-side information processing device;
The payment processing system according to claim 2, further comprising: a reception unit that receives the payment information transmitted by the transmission unit. The type determination unit and the transmission unit are provided in the user-side information processing device,
The payment information extraction unit is provided in a server device capable of communicating with the user-side information processing device,
The payment processing system according to claim 3, wherein the reception unit is provided in the store-side information processing device. The type determination unit is provided in the user-side information processing apparatus,
The payment information extraction unit and the transmission unit are provided in a server device capable of communicating with the store-side information processing device,
The payment processing system according to claim 3, wherein the reception unit is provided in the store-side information processing device.   6. The payment completion notifying unit provided in the user-side information processing device and further notifying the store-side information processing device that the payment processing by the payment processing unit has been completed. 6. Payment processing system.   The payment processing system according to claim 3, wherein the second display processing unit changes the first information code displayed on the display unit to the second information code.   The settlement process according to any one of claims 1 to 7, further comprising an acquisition completion notifying unit that notifies that acquisition of the second information code is completed after the second information code is acquired by the second code acquiring unit. system. An information processing device used in a store that sells a purchase target,
A first display processing unit for displaying a first information code including price information of the purchase target on a display unit;
A payment information acquisition unit for acquiring payment information used for payment processing for the purchase object;
An information processing apparatus comprising: a second display processing unit that displays a second information code including the payment information acquired by the payment information acquisition unit and the price information on the display unit. An information processing apparatus in which a payment application for executing a payment process for a purchase target is installed,
A first code acquisition unit for acquiring the first information code by reading a screen on which a first information code including price information of the purchase target is displayed;
A type determination unit that determines the type of the settlement process in response to the first information code being acquired by the first code acquisition unit;
A payment information acquisition unit that acquires the payment information corresponding to the type determined by the type determination unit from a payment information storage unit that stores the type and the payment information used in the payment process in association with each other;
A second code acquisition unit for acquiring a second information code including the payment information and the price information acquired by the payment information acquisition unit;
An information processing apparatus comprising: a payment processing unit that executes the payment processing according to the payment application based on the payment information and the price information included in the second information code acquired by the second code acquisition unit. . A payment information output unit that outputs the payment information acquired by the payment information acquisition unit to the outside;
The second code acquisition unit acquires the second information code by reading a screen of a display unit on which the second information code including the payment information output by the payment information output unit is displayed. The information processing apparatus according to 10. A first display step of displaying a first information code including price information of a purchase target on the display unit;
A first code acquisition step of acquiring the first information code by reading a screen of the display unit on which the first information code is displayed;
A payment information acquisition step of acquiring payment information used for a payment process for the purchase object in response to the acquisition of the first information code by the first code acquisition step;
A second display step of displaying a second information code including the payment information and the price information acquired in the payment information acquisition step on the display unit;
A second code acquisition step of acquiring the second information code by reading a screen of the display unit on which the second information code is displayed;
A payment method comprising: a payment step of executing the payment processing based on the payment information and the price information included in the second information code acquired by the second code acquisition step. Applied to information processing devices used in stores that sell purchase objects,
A first display step of displaying a first information code including price information of the purchase target on a display unit;
An information code display method comprising: a second display step of displaying, on the display unit, a second information code including settlement information used for a settlement process for the purchase target input from the outside and the price information. Applicable to information processing devices that have installed a payment application to execute payment processing for purchase targets,
A first code acquisition step of acquiring the first information code by reading a screen on which a first information code including price information of the purchase target is displayed;
A type determination step of determining a type of the settlement process in response to the acquisition of the first information code by the first code acquisition step;
A payment information acquisition step for acquiring the payment information corresponding to the type determined by the type determination step from a payment information storage unit that stores the type and the payment information used for the payment processing in association with each other;
A second code acquisition step of acquiring a second information code including the payment information and the price information acquired by the payment information acquisition step;
A settlement method comprising: a settlement step for executing the settlement process according to the settlement application based on the settlement information and the price information included in the second information code acquired by the second code acquisition step. The program for making a computer perform each step of the method in any one of Claim 12 to 15.

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