JP2020154682A - Information processing device and information processing method - Google Patents

Abstract

To provide an information processing device and an information processing method that can reduce the burden on a store in a system in which a user terminal reads a coupon displayed on a store terminal during settlement of a product price.SOLUTION: A privilege providing device 1 includes: a coupon application request reception unit 114 for receiving a coupon application request including user identification information; a settlement request reception unit 117 for receiving a settlement request including at least one of the user identification information and coupon identification information from a user terminal 2 that has read a settlement code at a store; a validity determination unit 115 for determining whether the coupon associated with the coupon identification information is valid; and a privilege providing unit 118 for providing the user with privilege by the coupon if the determination unit determines that the coupon is valid.SELECTED DRAWING: Figure 2

Description

The present invention relates to an information processing device and an information processing method for performing a process of making a payment using a coupon.

Conventionally, there is known a system in which a store terminal installed in a store reads a coupon code displayed on a user terminal owned by the user and discounts the price of the product when the coupon is applicable (for example). See Patent Document 1).

Japanese Unexamined Patent Publication No. 2002-260099

In the system described in Patent Document 1, the host computer that manages the store terminal distributes the coupon to the user terminal, and the store terminal reads the coupon and determines the applicability. It is also conceivable to configure the system described in Patent Document 1 so that the user terminal reads the coupon displayed on the store terminal. In this case, the store terminal needs to display the coupon after determining whether or not the coupon can be applied. Therefore, the store terminal is burdened with processing for determining the applicability of the coupon. In addition, the store manager is burdened with managing the coupon information on the store terminal and the host computer.

The present invention has been made in view of the above points, and an object of the present invention is to reduce the burden on a store in a system in which a user terminal reads a coupon displayed on a store terminal when paying for a product.

The information processing device of the first aspect of the present invention receives a coupon application request including user identification information from a user terminal used by the user from a first receiving unit and the user terminal that reads a payment code at a store. A second receiving unit that receives a payment request including at least one of the user identification information and the coupon identification information associated with the coupon given to the user associated with the user identification information, and the coupon identification information. A determination unit that determines whether or not the coupon associated with the coupon is valid, and a privilege by the coupon associated with the coupon identification information when the determination unit determines that the coupon is valid. It has a privilege providing unit provided to the user associated with the user identification information.

The information processing method of the second aspect of the present invention includes a step of receiving a coupon application request including user identification information executed by a processor from a user terminal used by the user, and the user who has read a payment code at a store. A step of receiving a payment request from the terminal including at least one of the user identification information and the coupon identification information associated with the coupon given to the user associated with the user identification information, and the coupon identification information. When the step of determining whether or not the associated coupon is valid and the step of determining that the coupon is valid, the benefit of the coupon associated with the coupon identification information is given. It has a step to provide to the user associated with the user identification information.

According to the present invention, in a system in which a user terminal reads a coupon displayed on a store terminal when paying for a product, the burden on the store can be reduced.

It is a schematic diagram of the payment system which concerns on embodiment. It is a block diagram of the privilege providing device which concerns on embodiment. It is a block diagram of the user terminal and the store terminal which concerns on embodiment. It is a schematic diagram of coupon information, token information and validity information. It is a front view of the display part of the store terminal which displays a payment screen. It is a front view of the user terminal which displays the coupon selection screen. It is a front view of the user terminal which displays a code reading screen. It is a sequence diagram of the payment method executed by the payment system according to the embodiment. It is a sequence diagram of the settlement method which concerns on the modification. It is a sequence diagram of the settlement method which concerns on the modification.

[Overview of payment system S]
FIG. 1 is a schematic diagram of a payment system S (information processing system) according to the present embodiment. The payment system S includes a privilege providing device 1, a user terminal 2, a store terminal 3, and a payment server 4. The payment system S may include other devices such as servers and terminals.

The privilege providing device 1 (information processing device) is a computer that determines the validity of the electronic coupon given to the user and provides the user with the privilege by the coupon. The user is a customer of a store such as a retail store. The privilege providing device 1 can communicate with the user terminal 2, the store terminal 3, and the payment server 4 via a network such as the Internet or a local area network.

The user terminal 2 is a computer that accepts user operations and displays various information. In addition, the user terminal 2 has a function of reading the payment code presented by the store terminal 3. The user terminal 2 is a mobile terminal such as a smartphone or a tablet terminal. The store terminal 3 is a computer installed in the store and reading information on products purchased by the user. The store terminal 3 is, for example, a POS (Point Of Sale) terminal or a communication terminal owned by a store clerk. The payment server 4 is a computer that pays for the product purchased by the user. Goods are goods or services that users can purchase for a fee.

The outline of the process in which the payment system S according to the present embodiment applies the coupon to make a payment will be described below. The privilege providing device 1 grants a coupon to a user in advance, associates a user ID for identifying the user with a coupon ID for identifying the coupon, and stores the coupon ID in the storage unit. The user ID may be assigned to each user or may be assigned to each user terminal 2. A coupon is used by a user when purchasing a product to provide a predetermined privilege to the user. Benefits from coupons include, for example, discounts on product prices, provision of prizes, and points. The user can purchase the product at a desired timing by using the coupon given to the user.

When a user purchases a product at a store, the user presents the product to be purchased to the store terminal 3. After acquiring the product information including the price of the product purchased by the user, the store terminal 3 requests a payment token including the payment information such as the payment amount of the product purchased by the user and the store ID for identifying the store. Is transmitted to the privilege providing device 1 (a).

When the privilege providing device 1 receives the payment token request, it generates a payment token and stores it in the storage unit in association with the store ID and the payment information included in the payment token request. The privilege providing device 1 transmits the generated payment token to the store terminal 3 which is the source of the payment token request (b). The store terminal 3 generates a payment code based on the received payment token and displays it on the display unit (c). The payment code is a character string or an image that can be read by the user terminal 2.

The user performs an operation of selecting a coupon to be used on the user terminal 2 before causing the user terminal 2 to read the payment code displayed on the store terminal 3. The user terminal 2 transmits a coupon application request including the user ID associated with the user terminal 2 and the coupon ID associated with the selected coupon to the privilege providing device 1 (d).

The privilege providing device 1 determines whether or not the coupon is valid based on the user ID and the coupon ID included in the received coupon application request (e). At this time, the privilege providing device 1 determines the validity of the coupon based on, for example, the presence / absence of the coupon, the availability of the coupon, and the expiration date of the coupon. If the coupon is valid, the privilege providing device 1 stores the user ID and the coupon ID in the storage unit in association with each other. The privilege providing device 1 transmits the determination result of the validity of the coupon to the user terminal 2 which is the transmission source of the coupon application request (f). The user terminal 2 displays the received determination result on the display unit.

The user causes the user terminal 2 to read the payment code displayed on the store terminal 3. The user terminal 2 reads the payment code displayed on the store terminal 3 using the imaging unit (g). The user terminal 2 acquires the payment token indicated by the payment code by decrypting the read payment code. The user terminal 2 transmits a payment request including the user ID and the payment token indicated by the read payment code to the privilege providing device 1 (h).

The privilege providing device 1 searches the storage unit for the payment token included in the received payment request. When the privilege providing device 1 finds the payment token included in the received payment request on the storage unit, the privilege providing device 1 specifies the payment information corresponding to the payment token. Further, the privilege providing device 1 searches the storage unit for the user ID included in the received payment request. When the privilege providing device 1 finds the user ID included in the received payment request on the storage unit, the privilege providing device 1 identifies the coupon ID corresponding to the user ID.

The privilege providing device 1 redetermines whether or not the coupon with the specified coupon ID is valid (i). At this time, the privilege providing device 1 determines the validity of the coupon based on, for example, the presence / absence of the coupon, the availability of the coupon, the expiration date of the coupon, and the store ID. When the privilege providing device 1 determines that the coupon of the coupon ID corresponding to the user ID included in the received payment request is valid, the privilege providing device 1 provides the privilege by the coupon to the user and uses the payment token included in the received payment request. The payment amount of the corresponding payment information is transmitted to the payment server 4 in association with the user ID (j). Here, when the privilege by the coupon is a discount, the privilege providing device 1 subtracts the discount amount by the coupon from the payment amount and transmits it to the payment server 4.

The payment server 4 performs payment processing when the payment amount received from the privilege providing device 1 is within the range of the balance that can be paid by the user (for example, credit balance or prepaid balance), and does not perform payment processing otherwise. .. The payment server 4 transmits a payment result indicating whether or not the payment has been made to the privilege providing device 1. The privilege providing device 1 notifies the store terminal 3 of the payment result received from the payment server 4 (k).

As described above, in the payment system S according to the present embodiment, the privilege providing device 1 instead of the store terminal 3 executes the process of determining the validity of the coupon and the process of applying the coupon. As a result, the processing load of the store terminal 3 can be reduced, and the cost for improving the processing performance of the store terminal 3 is not required. Further, since the store manager does not need to register the coupon information in the store terminal 3, the management burden of the store manager can be reduced.

[Configuration of payment system S]
FIG. 2 is a block diagram of the privilege providing device 1 according to the present embodiment. FIG. 3 is a block diagram of the user terminal 2 and the store terminal 3 according to the present embodiment. In FIGS. 2 and 3, the arrows indicate the main data flows, and there may be data flows other than those shown in FIGS. 2 and 3. In FIGS. 2 and 3, each block shows a functional unit configuration, not a hardware (device) unit configuration. Therefore, the blocks shown in FIGS. 2 and 3 may be mounted in a single device, or may be mounted separately in a plurality of devices. Data transfer between blocks may be performed via any means such as a data bus, a network, or a portable storage medium.

The privilege providing device 1 has a control unit 11 and a storage unit 12. The control unit 11 includes a settlement token request receiving unit 111, a token generating unit 112, a token transmitting unit 113, a coupon application request receiving unit 114, an validity determination unit 115, a determination result transmitting unit 116, and a settlement request. It has a receiving unit 117, a privilege providing unit 118, and a payment executing unit 119. The storage unit 12 has a coupon storage unit 121, a token storage unit 122, and an effectiveness information storage unit 123.

The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk drive, and the like. The storage unit 12 stores in advance the program executed by the control unit 11. The storage unit 12 may be provided outside the privilege providing device 1, and in that case, data may be exchanged with the control unit 11 via a network. The coupon storage unit 121 stores coupon information regarding the coupon given to the user. The token storage unit 122 stores token information indicating a token associated with the payment information. The effectiveness information storage unit 123 stores validity information indicating a coupon determined to be valid. The coupon storage unit 121, the token storage unit 122, and the effectiveness information storage unit 123 may each be a storage area on the storage unit 12, or may be a database configured on the storage unit 12.

The control unit 11 is, for example, a processor such as a CPU (Central Processing Unit), and by executing a program stored in the storage unit 12, the settlement token request receiving unit 111, the token generating unit 112, the token transmitting unit 113, It functions as a coupon application request receiving unit 114, an validity determination unit 115, a determination result transmitting unit 116, a payment request receiving unit 117, a privilege providing unit 118, and a payment executing unit 119. At least a part of the function of the control unit 11 may be performed by an electric circuit. Further, at least a part of the functions of the control unit 11 may be executed by a program executed via the network.

The user terminal 2 has a control unit 21, a storage unit 22, an operation unit 23, a display unit 24, and an imaging unit 25. The control unit 21 has a transmission unit 211, a reception unit 212, and a code reading unit 213. The operation unit 23 includes an operation device such as a keyboard and a mouse that can input information by a user operation. The display unit 24 includes a display device capable of displaying information such as a liquid crystal display. The operation unit 23 and the display unit 24 may be integrally configured by using a touch screen that can detect the position of contact by the user as the display unit 24. The imaging unit 25 includes an imaging device (camera, scanner, etc.) that captures a predetermined imaging range. The imaging unit 25 inputs a signal indicating the captured image to the control unit 21.

The storage unit 22 is a storage medium including a ROM, a RAM, a hard disk drive, and the like. The storage unit 22 stores in advance the program executed by the control unit 21. The storage unit 22 may be provided outside the user terminal 2, and in that case, data may be exchanged with the control unit 21 via a network.

The control unit 21 is, for example, a processor such as a CPU, and functions as a transmission unit 211, a reception unit 212, and a code reading unit 213 by executing a program stored in the storage unit 22. At least a part of the function of the control unit 21 may be performed by an electric circuit. Further, at least a part of the functions of the control unit 21 may be executed by a program executed via the network.

The store terminal 3 has a control unit 31, a storage unit 32, and a display unit 33. The control unit 31 includes a product information acquisition unit 311, a transmission unit 312, and a reception unit 313. The display unit 33 includes a display device capable of displaying information such as a liquid crystal display. The storage unit 32 is a storage medium including a ROM, a RAM, a hard disk drive, and the like. The storage unit 32 stores in advance the program executed by the control unit 31. The storage unit 32 may be provided outside the store terminal 3, and in that case, data may be exchanged with the control unit 31 via the network.

The control unit 31 is, for example, a processor such as a CPU, and functions as a product information acquisition unit 311, a transmission unit 312, and a reception unit 313 by executing a program stored in the storage unit 32. At least a part of the function of the control unit 31 may be performed by an electric circuit. Further, at least a part of the functions of the control unit 31 may be executed by a program executed via the network.

The payment system S according to the present embodiment is not limited to the specific configuration shown in FIGS. 2 and 3. The privilege providing device 1, the user terminal 2, the store terminal 3, and the payment server 4 may be configured by connecting two or more physically separated devices by wire or wirelessly.

[Explanation of payment method]
Hereinafter, the payment method executed by the payment system S according to the present embodiment will be described in detail. The coupon storage unit 121 of the privilege providing device 1 stores the coupon information regarding the coupon given to the user in advance.

FIG. 4A is a schematic diagram of coupon information D1 stored in the coupon storage unit 121. The coupon information D1 includes a user ID (user identification information) for identifying the user, a coupon ID (coupon identification information) for identifying the coupon given to the user, a privilege, and the use, which are associated with each other. Includes availability, expiration date, and store ID (store identification information) for identifying the store. The privilege indicates a privilege provided to a user who has made a payment using a coupon. For example, benefits include discounts on product prices, provision of prizes, and points. Availability indicates whether the coupon can be used. For example, for a coupon that can be used only once, it is set as "OK" if the coupon has not been used yet, and "Not" if the coupon has been used.

The expiration date indicates the expiration date when the coupon can be used. In the example of FIG. 4A, the expiration date is shown only at the end time, but the start time may be shown in addition to the end time. The store ID indicates a store where the coupon can be used. The store ID is identification information unique to each store or identification information assigned to a group (member store) of a plurality of stores. The coupon information D1 may include a plurality of store IDs. The store ID is omitted for coupons that can be used regardless of the store.

In FIG. 4A, the coupon information D1 is represented by a table of character strings for visibility, but each data may be recorded in any format, for example, character string data, numerical data, and binary data. Either can be used. The coupon information D1 may be recorded as a database or may be recorded as a list listing data.

When a user purchases a product at a store, the user presents the product to be purchased to the store terminal 3. In the store terminal 3, the product information acquisition unit 311 acquires product information including the price of the product that the user wants to purchase. For example, the product information acquisition unit 311 acquires product information by reading the barcode attached to the product using the image pickup unit. The product information acquisition unit 311 may acquire the product information input by the store clerk.

The transmission unit 312 calculates the settlement amount by totaling the prices of the products based on the product information acquired by the product information acquisition unit 311, and the settlement information indicating the calculated settlement amount and the store of the store that manages the store terminal 3 A payment token request (token request) including an ID is transmitted to the privilege providing device 1. In addition to the payment amount, the payment information may further include information related to payment such as the name of the product to be settled.

In the privilege providing device 1, the payment token request receiving unit 111 receives the payment token request from the store terminal 3. The token generation unit 112 generates a payment token on condition that the payment token request receiving unit 111 receives the payment token request. The payment token may be random data or data generated according to a predetermined rule. The token generation unit 112 stores the store ID and payment information included in the payment token request in the token storage unit 122 in association with the generated payment token.

FIG. 4B is a schematic diagram of token information D2 stored in the token storage unit 122. The token information D2 includes a store ID, a token for payment, and payment information (here, a payment amount) associated with each other. In FIG. 4B, the token information D2 is represented by a table of character strings for visibility, but each data may be recorded in any format, for example, character string data, numerical data, and binary data. Either is fine. The token information D2 may be recorded as a database, or may be recorded as a list listing data.

The token transmission unit 113 transmits the payment token generated by the token generation unit 112 to the store terminal 3. The receiving unit 313 of the store terminal 3 receives the payment token from the privilege providing device 1. The receiving unit 313 generates a payment code by encoding the received payment token by a predetermined method. The payment code may be, for example, a bar code, a two-dimensional code, a character string, or a plurality of them. The payment code may be in another form as long as the user terminal 2 can read it. Then, the receiving unit 313 displays a payment screen for presenting the generated payment code on the display unit 33.

FIG. 5 is a front view of the display unit 33 of the store terminal 3 displaying the payment screen. The payment screen includes a payment code 331. The payment code 331 is a payment code indicating a payment token received from the privilege providing device 1.

The user activates the application software for making a payment on the user terminal 2 before causing the user terminal 2 to read the payment code displayed on the store terminal 3. Then, the user terminal 2 displays a coupon selection screen for selecting a coupon on the display unit 24.

FIG. 6 is a front view of the user terminal 2 displaying the coupon selection screen. The coupon selection screen includes a coupon 241 given to the user and a button 242 for confirming the selection. In the example of FIG. 5B, the user terminal 2 displays the content of the privilege as the coupon 241. In addition to this, the expiration date of the coupon may be displayed. The user terminal 2 may read the information of the coupon 241 stored in the storage unit 22 of the user terminal 2 in advance when the coupon selection screen is displayed, or the information of the coupon 241 is read from the privilege providing device 1 when the coupon selection screen is displayed. You may receive it. The coupon 241 can be selected or deselected according to the operation by the user. Only one of the plurality of coupons 241 may be selectable, or a plurality of coupons may be selectable.

The button 242 is a virtual button (icon) that can be pressed by the user. The user uses the operation unit 23 of the user terminal 2 to select the coupon 241 to be used, and then presses the button 242. The transmission unit 211 of the user terminal 2 transmits a coupon application request including the user ID associated with the user terminal 2 and the coupon ID associated with the coupon selected by the user to the privilege providing device 1.

The coupon selection screen may include only valid coupons 241. In this case, the user terminal 2 transmits an inquiry as to whether or not the coupon 241 is valid to the privilege providing device 1 when the coupon selection screen is displayed. In the privilege providing device 1, the validity determination unit 115 described later determines whether or not the coupon 241 is valid, and transmits the determination result to the user terminal 2. The user terminal 2 displays a coupon selection screen including the coupon 241 determined to be valid.

In the privilege providing device 1, the coupon application request receiving unit 114 (first receiving unit) receives the coupon application request from the user terminal 2. The validity determination unit 115 specifies the user ID and the coupon ID included in the coupon application request received by the coupon application request receiving unit 114. The validity determination unit 115 determines whether or not the coupon is valid based on the specified user ID and coupon ID. When the coupon application request includes a plurality of coupon IDs, the validity determination unit 115 determines whether or not each of the plurality of coupon IDs is valid.

Specifically, the validity determination unit 115 acquires the coupon information associated with the user ID and the coupon ID included in the coupon application request from the coupon storage unit 121. The validity determination unit 115 determines that the coupon is not valid when the user ID and the coupon information associated with the coupon ID are not stored in the coupon storage unit 121. Further, the validity determination unit 115 determines that the coupon is not valid when the availability included in the coupon information indicates that the coupon is not available. Further, the validity determination unit 115 determines that the coupon is not valid when the current time is outside the range of the expiration date included in the coupon information.

The validity determination unit 115 stores the user ID and the coupon information associated with the coupon ID in the coupon storage unit 121, and the availability of the coupon information indicates that the coupon can be used. When the current time (time at the time of determination) is within the expiration date included in the coupon information, it is determined that the coupon is valid. The criteria for determining the validity of the coupon shown here is an example, and the validity determination unit 115 may determine whether or not the coupon is valid according to other criteria. The effectiveness determination unit 115 may use only one of the availability and the expiration date for determination.

When the validity determination unit 115 determines that the coupon is valid, the validity information storage unit 123 stores the validity information associated with the user ID and the coupon ID. FIG. 4C is a schematic diagram of the effectiveness information D3 stored in the effectiveness information storage unit 123. The validity information D3 includes a user ID and a coupon ID associated with each other.

In FIG. 4C, the validity information D3 is represented by a table of character strings for visibility, but each data may be recorded in any format, for example, character string data, numerical data, and binary data. It may be any of. The effectiveness information D3 may be recorded as a database or as a list listing data.

The effectiveness information D3 stores a set of a user ID and a coupon ID when the validity determination unit 115 determines that the coupon is valid. Therefore, whether or not the user ID and the coupon ID are stored in the validity information storage unit 123 indicates the determination result of whether or not the coupon by the validity determination unit 115 is valid.

The determination result transmission unit 116 transmits the determination result of the validity of the coupon by the validity determination unit 115 to the user terminal 2 which is the transmission source of the coupon application request. The receiving unit 212 of the user terminal 2 receives the determination result from the privilege providing device 1. When the receiving unit 212 receives the determination result, the user terminal 2 displays a code reading screen for reading the payment code on the display unit 24.

7 (a) and 7 (b) are front views of the user terminal 2 displaying the code reading screen. The code reading screen includes the determination result 243 and the reading frame 244. The determination result 243 is information representing the determination result of whether or not the coupon by the validity determination unit 115 of the privilege providing device 1 is valid. Since FIG. 7A shows a code reading screen when it is determined that the coupon is valid, the determination result 243 indicates that the coupon is valid. On the other hand, FIG. 7B shows a code reading screen when it is determined that the coupon is not valid, so the determination result 243 indicates that the coupon is not valid.

The reading frame 244 is a frame representing an area in which the payment code can be read, which is superimposed and displayed on the image captured by the imaging unit 25. When making a payment, the user adjusts the payment code displayed on the store terminal 3 so that it fits in the reading frame 244. In the user terminal 2, the code reading unit 213 reads the payment code displayed on the store terminal 3 by using the imaging unit 25. The code reading unit 213 acquires the payment token indicated by the payment code by decrypting the read payment code by a predetermined method. The transmission unit 211 transmits a payment request including the user ID associated with the user terminal 2 and the payment token acquired by the code reading unit 213 to the privilege providing device 1.

In the present embodiment, the user terminal 2 accepts the user to select a coupon before reading the payment code displayed on the store terminal 3, but the user after reading the payment code displayed on the store terminal 3. You may accept the selection of coupons by. In this case, the user terminal 2 displays the coupon selection screen of FIG. 6 and accepts the coupon selection, triggered by reading the payment code displayed on the store terminal 3, and provides the coupon application request as a privilege. It is transmitted to the device 1. After that, the user terminal 2 transmits the payment request to the privilege providing device 1 when the determination result is received from the privilege providing device 1. In this way, the privilege providing device 1 can accept the user's selection of the coupon at least before and after the user terminal 2 reads the payment code.

In the privilege providing device 1, the payment request receiving unit 117 receives the payment request from the user terminal 2. The payment request receiving unit 117 searches the token storage unit 122 for the payment token included in the received payment request. When the payment request receiving unit 117 finds the payment token included in the payment request on the token storage unit 122, the token storage unit 122 specifies the store ID and the payment information corresponding to the payment token included in the payment request. When the settlement request receiving unit 117 cannot find the settlement token included in the received settlement request on the token storage unit 122, the settlement request receiving unit 117 ends the process without executing the settlement.

Further, the payment request receiving unit 117 searches the effectiveness information storage unit 123 for the user ID included in the received payment request. When the payment request receiving unit 117 finds the user ID included in the payment request on the validity information storage unit 123 (that is, when the validity information storage unit 123 stores a set of the user ID and the coupon ID). In addition, the effectiveness information storage unit 123 specifies the coupon ID corresponding to the user ID included in the payment request. When the payment request receiving unit 117 cannot specify the coupon ID corresponding to the user ID included in the payment request (that is, when the validity information storage unit 123 does not store the set of the user ID and the coupon ID), the payment request receiving unit 117 receives the coupon. Proceed to the execution of the settlement by the settlement execution unit 119 without applying.

When the payment request receiving unit 117 specifies the store ID, the payment information, and the coupon ID based on the payment request, the validity determination unit 115 determines that the coupon is valid based on the coupon ID corresponding to the user ID included in the payment request. It is re-determined whether or not it is. When the user ID included in the payment request corresponds to a plurality of coupon IDs, the validity determination unit 115 redetermines whether or not each of the plurality of coupon IDs is valid.

Specifically, the validity determination unit 115 acquires the coupon information associated with the user ID included in the payment request and the coupon ID corresponding to the user ID included in the payment request from the coupon storage unit 121. The validity determination unit 115 determines that the coupon is not valid when the user ID and the coupon information associated with the coupon ID are not stored in the coupon storage unit 121. Further, the validity determination unit 115 determines that the coupon is not valid when the availability included in the coupon information indicates that the coupon is not available. Further, the validity determination unit 115 determines that the coupon is not valid when the current time is outside the range of the expiration date included in the coupon information. Further, the validity determination unit 115 determines that the coupon is not valid when the store ID corresponding to the settlement token included in the settlement request is not included in the store ID included in the coupon information.

The validity determination unit 115 stores the user ID and the coupon information associated with the coupon ID in the coupon storage unit 121, and the availability of the coupon information indicates that the coupon can be used. When the current time (time at the time of re-judgment) is within the expiration date included in the coupon information, and the store ID corresponding to the settlement token included in the payment request is included in the store ID included in the coupon information. In addition, it is determined that the coupon is valid. The criteria for determining the validity of the coupon shown here is an example, and the validity determination unit 115 may determine whether or not the coupon is valid according to other criteria. The validity determination unit 115 may use only a part of the availability, the expiration date, and the store ID for determination.

When the validity determination unit 115 determines that the coupon is not valid, the processing may be terminated without executing the settlement, or the settlement execution unit 119 may proceed to the execution of the settlement without applying the coupon. ..

In this way, the privilege providing device 1 determines the validity of the coupon when the coupon application request is received from the user terminal 2, and then redetermines the validity of the coupon when the payment request is received from the user terminal 2. .. Then, in the privilege providing device 1, the validity determination unit 115 determines that the coupon is valid both when the coupon application request receiving unit 114 receives the coupon application request and when the payment request receiving unit 117 receives the payment request. If it is determined, the coupon benefits will be provided to the user. As a result, even if the coupon is valid when the user selects the coupon and the coupon becomes invalid when the product is purchased (such as when the expiration date has passed), the privilege providing device 1 can correctly determine the terms of use of the coupon and make a payment by applying the coupon. The re-determination by the validity determination unit 115 when the payment request is received from the user terminal 2 may be omitted.

In the present embodiment, the user terminal 2 transmits a payment request including a user ID and a payment token, but a payment request including a coupon ID and a payment token may be transmitted. In this case, the payment request receiving unit 117 searches the validity information storage unit 123 for the coupon ID included in the received payment request. When the payment request receiving unit 117 finds the coupon ID included in the payment request on the validity information storage unit 123, the validity information storage unit 123 identifies the user ID corresponding to the coupon ID included in the payment request. Then, the validity determination unit 115 determines the validity of the coupon by using the coupon ID included in the payment request and the user ID corresponding to the coupon ID included in the payment request. In this way, the privilege providing device 1 can determine the validity of the coupon by receiving the payment request including at least one of the user ID and the coupon ID.

When the validity determination unit 115 determines that the coupon is valid, the privilege providing unit 118 identifies the privilege included in the user ID and the coupon information associated with the coupon ID acquired from the coupon storage unit 121. Then, the privilege providing unit 118 provides the specified privilege to the user of the user ID included in the payment request or the user ID corresponding to the coupon ID included in the payment request. When the privilege by the coupon is the provision of a prize or the granting of points, the privilege providing unit 118 outputs information for providing the prize or granting points to the user. If the benefit from the coupon is a discount on the price of the product, the privilege provider 118 will use the coupon discount amount from the payment amount (price of the product to be settled) in the payment information corresponding to the payment token included in the payment request. Is subtracted.

The payment execution unit 119 executes the payment by transmitting the payment amount (or the payment amount to which the discount by the coupon is applied) of the payment information corresponding to the payment token included in the payment request to the payment server 4. The payment server 4 performs payment processing when the payment amount received from the privilege providing device 1 is within the range of the balance that can be paid by the user (for example, credit balance or prepaid balance), and does not perform payment processing otherwise. ..

The payment server 4 transmits a payment result indicating whether or not the payment has been made to the privilege providing device 1. The payment execution unit 119 of the privilege providing device 1 receives the payment result from the payment server 4 and notifies the store terminal 3. The receiving unit 313 of the store terminal 3 receives the payment result from the privilege providing device 1 and stores it in the storage unit 32.

Further, the settlement execution unit 119 may calculate a fee for the store that manages the store terminal 3. The fee is a fee paid by the store that manages the store terminal 3 to the business operator that manages the privilege providing device 1 in order to make a payment using the privilege providing device 1. The fee is calculated, for example, by multiplying the settlement amount by a predetermined coefficient. At this time, the settlement execution unit 119 calculates the commission based on the settlement amount after the subtraction when the privilege providing unit 118 subtracts the discount amount by the coupon from the settlement amount (the price of the product to be settled). On the other hand, the settlement execution unit 119 calculates the commission based on the original settlement amount when the privilege providing unit 118 does not subtract the discount amount by the coupon from the settlement amount. The settlement execution unit 119 outputs information indicating the calculated fee by storing it in the storage unit 12 or transmitting it to the store terminal 3. As a result, the privilege providing device 1 can correctly calculate the commission paid by the store to the business operator by automatically reflecting the discount amount due to the coupon.

[Sequence of payment methods]
FIG. 8 is a sequence diagram of a payment method (information processing method) executed by the payment system S according to the present embodiment. In the store terminal 3, the product information acquisition unit 311 acquires product information including the price of the product that the user wants to purchase (S11). The transmission unit 312 calculates the settlement amount by totaling the prices of the products based on the product information acquired by the product information acquisition unit 311, and the settlement information indicating the calculated settlement amount and the store of the store that manages the store terminal 3 A payment token request including an ID is transmitted to the privilege providing device 1 (S12).

In the privilege providing device 1, the payment token request receiving unit 111 receives the payment token request from the store terminal 3. The token generation unit 112 generates a payment token on condition that the payment token request receiving unit 111 receives the payment token request (S13). The token generation unit 112 stores the store ID and payment information included in the payment token request in the token storage unit 122 in association with the generated payment token. The token transmission unit 113 transmits the payment token generated by the token generation unit 112 to the store terminal 3. The receiving unit 313 of the store terminal 3 generates a payment code by encoding the payment token received from the privilege providing device 1 by a predetermined method. Then, the receiving unit 313 causes the display unit 33 to display the generated payment code (S14).

The user terminal 2 uses the operation unit 23 to accept the user's selection of coupons (S15). The transmission unit 211 of the user terminal 2 transmits a coupon application request including the user ID associated with the user terminal 2 and the coupon ID associated with the coupon selected by the user to the privilege providing device 1 (S16). .. In the privilege providing device 1, the coupon application request receiving unit 114 receives the coupon application request from the user terminal 2. The validity determination unit 115 specifies the user ID and the coupon ID included in the coupon application request received by the coupon application request receiving unit 114. The validity determination unit 115 determines whether or not the coupon is valid based on the specified user ID and coupon ID (S17). When the validity determination unit 115 determines that the coupon is valid, the validity information storage unit 123 stores the validity information associated with the user ID and the coupon ID.

The determination result transmission unit 116 transmits the determination result of the validity of the coupon by the validity determination unit 115 to the user terminal 2 which is the transmission source of the coupon application request. In the user terminal 2, the receiving unit 212 receives the determination result from the privilege providing device 1 and displays it on the display unit 24. The code reading unit 213 uses the imaging unit 25 to read the payment code displayed on the store terminal 3 (S18). The code reading unit 213 acquires the payment token indicated by the payment code by decrypting the read payment code by a predetermined method. The transmission unit 211 transmits a payment request including the user ID associated with the user terminal 2 and the payment token acquired by the code reading unit 213 to the privilege providing device 1 (S19).

In the privilege providing device 1, the payment request receiving unit 117 receives the payment request from the user terminal 2. The payment request receiving unit 117 searches the token storage unit 122 for the payment token included in the received payment request. When the payment request receiving unit 117 finds the payment token included in the payment request on the token storage unit 122, the token storage unit 122 specifies the store ID and the payment information corresponding to the payment token included in the payment request. When the settlement request receiving unit 117 cannot find the settlement token included in the received settlement request on the token storage unit 122, the settlement request receiving unit 117 ends the process without executing the settlement.

Further, the payment request receiving unit 117 searches the effectiveness information storage unit 123 for the user ID included in the received payment request. When the payment request receiving unit 117 finds the user ID included in the payment request on the validity information storage unit 123, the validity information storage unit 123 specifies the coupon ID corresponding to the user ID included in the payment request. When the coupon ID corresponding to the user ID included in the payment request cannot be specified, the payment request receiving unit 117 proceeds to execute the payment by the payment execution unit 119 in step S22 without applying the coupon.

When the payment request receiving unit 117 specifies the store ID, the payment information, and the coupon ID based on the payment request, the validity determination unit 115 determines that the coupon is valid based on the coupon ID corresponding to the user ID included in the payment request. It is re-determined whether or not it is (S20). The re-determination of step S20 may be omitted. When the validity determination unit 115 determines that the coupon is not valid, the process may be terminated without executing the settlement, or the settlement execution unit 119 in step S22 may execute the settlement without applying the coupon. You may proceed. When the validity determination unit 115 determines that the coupon is valid, the privilege providing unit 118 sets the coupon ID corresponding to the user ID included in the payment request and the user ID included in the payment request acquired from the coupon storage unit 121. Identify the benefits contained in the associated coupon information. Then, the privilege providing unit 118 provides the specified privilege to the user of the user ID included in the payment request (S21).

The payment execution unit 119 executes payment by transmitting the payment amount (or the payment amount to which the discount by the coupon is applied) of the payment information corresponding to the payment token included in the payment request to the payment server 4 (S22). ). The payment server 4 performs payment processing when the payment amount received from the privilege providing device 1 is within the range of the balance that can be paid by the user (for example, credit balance or prepaid balance), and does not perform payment processing otherwise. .. The payment server 4 transmits a payment result indicating whether or not the payment has been made to the privilege providing device 1. The payment execution unit 119 of the privilege providing device 1 receives the payment result from the payment server 4 and notifies the store terminal 3. The receiving unit 313 of the store terminal 3 receives the payment result from the privilege providing device 1 and stores it in the storage unit 32.

[Effect of Embodiment]
According to the payment system S according to the present embodiment, the privilege providing device 1 determines the validity of the coupon when receiving the coupon application request from the user terminal 2, and then associates the user ID and the coupon ID with the validity information. When a payment request including at least one of a user ID and a coupon ID is received from the user terminal 2 by being stored in the storage unit 123, at least one of the user ID and the coupon ID is stored in the effectiveness information storage unit 123. Provide the coupon benefits to the user on condition of. Therefore, the payment system S can reduce the processing load of the store terminal 3, and does not require a cost for improving the processing performance of the store terminal 3. Further, since the store manager does not need to register the coupon information in the store terminal 3, the management burden of the store manager can be reduced.

[First modification]
The privilege providing device 1 may determine whether or not the coupon is valid based on the product purchased by the user. In this case, the coupon information D1 shown in FIG. 4A further includes a product ID (product identification information) for identifying the product to which the coupon is applied. The product ID is identification information unique to each product or identification information assigned to the type (item) of the product. The coupon information D1 may include a plurality of product IDs. For coupons that can be used regardless of the product, the product ID is omitted. Further, the token information D2 shown in FIG. 4B further includes the product ID of the product to be settled.

In the store terminal 3, after the product information acquisition unit 311 acquires the product information, the transmission unit 312 determines the payment information including the payment amount, the store ID of the store that manages the store terminal 3, and the product ID of the product to be settled. A payment token request including and is transmitted to the privilege providing device 1. In the privilege providing device 1, the token generation unit 112 stores the payment information, the store ID, and the product ID included in the payment token request in the token storage unit 122 in association with the generated payment token.

When the payment request receiving unit 117 receives the payment request from the user terminal 2, the validity determination unit 115 specifies the product ID corresponding to the payment token included in the payment request in the token storage unit 122. Then, the effectiveness determination unit 115 makes a determination using the product ID in addition to the determination using the availability, the expiration date and the store ID described above. Specifically, the validity determination unit 115 determines that the coupon is not valid when the product ID corresponding to the payment token included in the payment request is not included in the product ID included in the coupon information.

The validity determination unit 115 stores the user ID and the coupon information associated with the coupon ID in the coupon storage unit 121, and the availability of the coupon information indicates that the coupon can be used. The current time is within the expiration date included in the coupon information, and the store ID included in the payment request is included in the store ID included in the coupon information, and the product ID corresponding to the payment token included in the payment request. However, when the coupon information is included in the product ID, it is determined that the coupon is valid. The effectiveness determination unit 115 may use only a part of the availability, expiration date, store ID, and product ID for determination. With such a configuration, the privilege providing device 1 can determine whether or not the coupon can be applied based on the product to be settled.

[Second modification]
In the above description, the user terminal 2 reads the payment code dynamically generated by the store terminal 3 to perform the payment, but the static payment code presented by the store (for example, for printed payment). You may read the code) and make a payment. FIG. 9 is a sequence diagram of a payment method (information processing method) according to this modification. Hereinafter, the points different from the sequence diagram of FIG. 8 will be mainly described. In this modification, the processing before step S14 is not performed, and the processing in steps S15 to S17 is the same as the sequence diagram of FIG.

In the user terminal 2, the receiving unit 212 receives the determination result from the privilege providing device 1 and displays it on the display unit 24. The code reading unit 213 reads the payment code presented by the store using the imaging unit 25 (S18a). The payment code indicates a payment token that is generated in advance by the privilege providing device 1 and stored in association with the store ID. The code reading unit 213 acquires the payment token indicated by the payment code by decrypting the read payment code by a predetermined method. Further, the code reading unit 213 causes the display unit 24 to display a screen for inputting the payment amount after acquiring the payment token. The user inputs the payment amount on the screen using the operation unit 23 of the user terminal 2.

The payment token may be generated in the privilege providing device 1 in advance in association with the payment amount. In this case, the payment amount is not input on the user terminal 2. The payment token may be generated in advance in association with the product ID in the privilege providing device 1. As a result, the privilege providing device 1 can determine the validity of the coupon by using the product ID as in the first modification.

After the user inputs the payment amount, the transmission unit 211 sends a payment request including the user ID associated with the user terminal 2, the payment token acquired by the code reading unit 213, and the payment amount input by the user. It is transmitted to the privilege providing device 1 (S19a). In the privilege providing device 1, the payment request receiving unit 117 receives the payment request from the user terminal 2. The privilege providing device 1 uses the payment amount indicated by the payment request for the payment instead of the payment amount stored in the token storage unit 122. The processing after step S20 is the same as the sequence diagram of FIG. As a result, in the present modification, the store terminal 3 does not need to perform the process of dynamically generating the payment code, and the privilege providing device 1 can perform the payment using the payment amount input by the user.

[Third variant]
In the above description, the privilege providing device 1 uses the coupon selected by the user on the user terminal 2 for payment, but the privilege providing device 1 may specify the coupon given to the user and use it for payment. .. FIG. 10 is a sequence diagram of a payment method (information processing method) according to this modification. Hereinafter, the points different from the sequence diagram of FIG. 8 will be mainly described. The processing before step S14 is the same as the sequence diagram of FIG. In the user terminal 2, the transmission unit 211 transmits a coupon application request including the user ID associated with the user terminal 2 to the privilege providing device 1 without accepting the selection of the coupon by the user (S16a).

In the privilege providing device 1, the coupon application request receiving unit 114 receives the coupon application request from the user terminal 2. The validity determination unit 115 identifies the coupon ID (that is, the coupon given to the user) associated with the user ID included in the coupon application request received by the coupon application request receiving unit 114 in the coupon storage unit 121 (that is, the coupon given to the user). S16b). When the coupon ID associated with the user ID exists in the coupon storage unit 121, the validity determination unit 115 determines whether or not the coupon is valid based on the user ID and the coupon ID (S17a). When the coupon ID associated with the user ID does not exist in the coupon storage unit 121, or when the validity determination unit 115 determines that the coupon is not valid, the determination result transmission unit 116 determines that the valid coupon does not exist. The determined determination result shown is transmitted to the user terminal 2.

When the validity determination unit 115 determines that the coupon is valid, the validity information storage unit 123 stores the validity information associated with the user ID and the coupon ID. Then, the determination result transmission unit 116 transmits the determination result indicating the coupon information of the valid coupon to the user terminal 2. In the user terminal 2, the receiving unit 212 causes the display unit 24 to display the coupon information indicated by the determination result received from the privilege providing device 1. The processing after step S18 is the same as the sequence diagram of FIG. As described above, in the payment method according to the present modification, the privilege providing device 1 can identify the coupon given to the user and automatically apply it to the payment without accepting the selection of the coupon by the user.

When the receiving unit 212 receives the determination result indicating the coupon information of the valid coupon, the user terminal 2 may accept from the user whether or not to apply the coupon. In this case, in step S21, the privilege providing unit 118 of the privilege providing device 1 provides the user with only the privilege of the coupon selected by the user to apply. As a result, the privilege providing device 1 can apply the coupon to the payment after identifying the coupon given to the user and accepting the user to select whether or not to apply the coupon.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist. is there. For example, the specific embodiment of the distribution / integration of the device is not limited to the above embodiment, and all or a part thereof may be functionally or physically distributed / integrated in any unit. Can be done. Also included in the embodiments of the present invention are new embodiments resulting from any combination of the plurality of embodiments. The effect of the new embodiment produced by the combination has the effect of the original embodiment together.

The processor of the privilege providing device 1, the user terminal 2, the store terminal 3, and the payment server 4 is the main body of each step (process) included in the payment methods shown in FIGS. 8 to 10. That is, the processors of the privilege providing device 1, the user terminal 2, the store terminal 3, and the payment server 4 read a program for executing the payment method shown in FIGS. 8 to 10 from the storage unit, and execute the program to make a payment. By controlling each part of the system S, the payment methods shown in FIGS. 8 to 10 are executed. Some of the steps included in the payment methods shown in FIGS. 8 to 10 may be omitted, the order between the steps may be changed, and a plurality of steps may be performed in parallel.

S Payment system 1 Benefit providing device 114 Coupon application request receiving unit 115 Validity judgment unit 117 Payment request receiving unit 118 Benefit providing unit

Claims (14)

A first receiving unit that receives a coupon application request including user identification information from a user terminal used by the user, and
A payment request including at least one of the user identification information and the coupon identification information associated with the coupon given to the user associated with the user identification information is issued from the user terminal whose payment code is read at the store. The second receiver to receive and
A determination unit that determines whether or not the coupon associated with the coupon identification information is valid, and
When the determination unit determines that the coupon is valid, the privilege providing unit that provides the privilege of the coupon associated with the coupon identification information to the user associated with the user identification information.
Information processing device with. The first receiving unit receives the coupon application request including the coupon identification information from the user terminal, and receives the coupon application request.
The information processing device according to claim 1, wherein the determination unit specifies the coupon identification information included in the coupon application request. The information processing device according to claim 1, wherein the determination unit identifies the coupon identification information previously associated with the user identification information included in the coupon application request in the storage unit. The information processing device according to claim 3, further comprising a transmission unit that transmits information for displaying the coupon associated with the coupon identification information specified by the determination unit to the user terminal. When the first receiving unit receives the coupon application request, the determination unit determines whether or not the coupon given to the user associated with the user identification information included in the coupon application request is valid. The information processing apparatus according to any one of claims 1 to 4, wherein the information processing device is determined. When the second receiving unit receives the payment request, the determination unit is associated with the coupon identification information corresponding to the user identification information included in the payment request or the coupon identification information included in the payment request. The information processing device according to claim 5, which does not determine whether or not the coupon is valid. When the second receiving unit receives the payment request, the determination unit is associated with the coupon identification information corresponding to the user identification information included in the payment request or the coupon identification information included in the payment request. Re-determine whether the coupon is valid and
The determination unit determines that the coupon is valid both when the first receiving unit receives the coupon application request and when the second receiving unit receives the payment request. The information processing device according to claim 5, wherein the benefit of the coupon associated with the coupon identification information is provided to the user associated with the user identification information. When the first receiving unit receives the coupon application request, the determination unit determines whether or not the coupon given to the user associated with the user identification information included in the coupon application request is valid. When the second receiving unit receives the payment request, it is associated with the coupon identification information corresponding to the user identification information included in the payment request or the coupon identification information included in the payment request. The information processing device according to any one of claims 1 to 4, which determines whether or not the coupon is valid. It further has a generator that generates a token associated with the store identification information that identifies the store.
The determination unit determines that the coupon is valid, provided that the store identification information associated with the token included in the payment request corresponds to the store identification information associated with the coupon identification information. The information processing apparatus according to claim 7 or 8. It also has a generator that generates a token associated with the product identification information that identifies the product.
The determination unit determines that the coupon is valid, provided that the product identification information associated with the token included in the payment request corresponds to the product identification information associated with the coupon identification information. The information processing apparatus according to any one of claims 7 to 9. When the determination unit determines that the coupon is valid, the payment amount is settled by subtracting the amount indicated by the privilege determined by the privilege providing unit from the price of the product to be settled included in the payment request. The information processing device according to any one of claims 1 to 10, further comprising a payment execution unit. When the determination unit determines that the coupon is valid, the payment execution unit subtracts the amount indicated by the privilege determined by the privilege providing unit from the price of the product to be settled included in the payment request. The information processing device according to claim 11, which outputs information indicating a fee for the store based on the payment amount. The processor runs,
A step of receiving a coupon application request including user identification information from a user terminal used by the user, and
A payment request including at least one of the user identification information and the coupon identification information associated with the coupon given to the user associated with the user identification information is issued from the user terminal whose payment code is read at the store. Steps to receive and
A step of determining whether or not the coupon associated with the coupon identification information is valid, and
When the determination step determines that the coupon is valid, the step of providing the privilege of the coupon associated with the coupon identification information to the user associated with the user identification information, and
Information processing method having. The determination step is
When the step of receiving the coupon application request receives the coupon application request, whether or not the coupon given to the user associated with the user identification information included in the coupon application request is valid. The first step to judge and
When the step of receiving the payment request receives the payment request, the coupon identification information corresponding to the user identification information included in the payment request or the coupon associated with the coupon identification information included in the payment request The second step of re-determining whether it is valid and
Including
In the step of providing the privilege, when it is determined that the coupon is valid in both the first step and the second step, the privilege by the coupon associated with the coupon identification information is converted into the user identification information. The information processing method according to claim 13, which is provided to the associated user.

Images