JP2020181328A - Electronic payment system and program - Google Patents

Abstract

To improve electronic payment technology that allows multiple payment means to be used.SOLUTION: An electronic payment system comprises a payment device, a mobile device, and a server. The mobile device displays points indicating the balance of first payment means. The payment device, the mobile device, and the server carry out a first payment process of paying a price by the first payment means. The mobile device displays the points after the points have been decreased due to the completion of the first payment process, selects payment means from second payment means and third payment means, and notifies the server of the selected payment means. The server is configured: to execute the second payment process including processing to pay the amount equivalent to the price by the notified payment means, and processing to increase the points by the amount equivalent to the payment by the second payment means when paying at least a part of the amount equivalent to the price by the second payment means; and to notify the mobile device of the increased points when the points are increased by the second payment process. The mobile device displays the increased points in response to the notification from the server.SELECTED DRAWING: Figure 1

Description

The present invention relates to electronic payment systems and programs.

Conventionally, an electronic payment technique for paying a price by means such as electronic money has been known. For example, Patent Document 1 discloses an information processing device that displays a plurality of payment means in association with a priority.

Patent No. 64917883

However, there is room for improvement in conventional electronic payment techniques that allow multiple payment instruments. For example, when making a payment at a store, it takes time for the user to select a desired payment method from a plurality of payment methods, which may result in congestion of the store. Therefore, it is desired to improve the electronic payment technology that can use a plurality of payment methods.

An object of the present invention made in view of such circumstances is to improve an electronic payment technique in which a plurality of payment means can be used.

The electronic payment system according to the embodiment of the present invention is
An electronic payment system including a payment device, a mobile device used by a user, and a server capable of communicating with each of the payment device and the mobile device.
The portable device displays points indicating the balance of the first payment instrument and displays points.
The payment device, the mobile device, and the server jointly perform a first payment process for paying a price by the first payment means.
The portable device is
Display the points after the amount of the price has been reduced by the completion of the first settlement process.
Select at least one payment instrument from one or more second payment instruments and one or more third payment instruments.
Notify the server of the selected at least one payment instrument and
The server
When the process of paying the equivalent amount of the price by the at least one payment means and the payment of at least a part of the equivalent amount of the price by the two payment means, the points are increased by the amount equivalent to the payment by the second payment means. Perform the second payment process including the process to make it
When the points are increased by the second settlement process, the increased points are notified to the mobile device.
The portable device displays the increased points in response to a notification from the server.

The program according to the embodiment of the present invention
To a server that can communicate with each of the payment device and the mobile device used by the user
A step of performing the first payment process of paying the price by the first payment means in collaboration with the payment device and the mobile device, and
In response to a notification of at least one payment instrument selected in the mobile device from one or more second payment instruments and one or more third payment instruments, the equivalent amount of the price is paid by the at least one payment instrument. And a process of increasing points indicating the balance of the first payment means by the amount equivalent to the payment by the second payment means when at least a part of the equivalent amount of the price is paid by the two payment means. Steps to carry out the second payment process including
When the points are increased by the second settlement process, the step of notifying the portable device of the increased points is executed.

The program according to the embodiment of the present invention
For mobile devices used by users
A step to display points indicating the balance of the first payment method,
A step of performing the first payment process of paying the price by the first payment means in collaboration with the payment device and the server, and
A step of displaying the points reduced by a considerable amount of the price due to the completion of the first settlement process, and
A step of selecting at least one payment instrument from one or more second payment instruments and one or more third payment instruments.
A step of notifying the server of the selected at least one payment instrument, and
The processing of paying the equivalent amount of the price by the at least one payment means, and when paying at least a part of the equivalent amount of the price by the second payment means, the points are paid by the payment equivalent amount by the second payment means. When the second payment process including the increase process is completed on the server, the increased points are displayed in response to a notification sent from the server when the points are increased by the second payment process. To execute the steps.

According to one embodiment of the present invention, an electronic payment technique in which a plurality of payment means can be used is improved.

It is a figure which shows the schematic structure of the electronic payment system which concerns on one Embodiment of this invention. It is a block diagram which shows the schematic structure of the payment apparatus. It is a block diagram which shows the schematic structure of a server. It is a block diagram which shows the schematic structure of the portable device. It is a figure which shows the example of the information stored in a server. It is a sequence diagram which shows the 1st operation of an electronic payment system. It is a sequence diagram which shows the 2nd operation of an electronic payment system.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

(Overview of electronic payment system)
An outline of the electronic payment system 1 according to the embodiment of the present invention will be described with reference to FIG. The electronic payment system 1 is a system used to provide an electronic payment service. The electronic payment system 1 includes a payment device 10, a server 20, and a portable device 30. Each of the payment device 10, the server 20, and the portable device 30 is communicably connected to a network N such as the Internet.

The payment device 10 is an arbitrary information processing device provided in, for example, a store of a member retail store of an electronic payment service and capable of accepting payment of a price. For example, an information processing device such as a POS terminal or a tablet terminal can be adopted as the payment device 10. The payment device 10 may be linked with, for example, the POS system of a member retail store. Typically, the payment device 10 is used by a clerk at a member retail store.

The server 20 is one or a plurality of information processing devices capable of communicating with each other. The server 20 is managed by, for example, an electronic payment service provider.

The portable device 30 is a portable information processing device used by the user. For example, an information processing device such as a mobile phone, a smartphone, a tablet terminal, or a wearable terminal can be adopted as the portable device 30. The portable device 30 is used for payment of a price by a payment means such as electronic money at a member retail store or the like, for example.

First, the outline of the present embodiment will be described, and the details will be described later. In the present embodiment, the electronic payment service provider has a plurality of types of credit destinations, with an organization that is a member of the electronic payment service (hereinafter, also referred to as a "member organization") and a user who is permitted to apply for the use of the electronic payment service as a credit destination. Provide a means of payment. In this embodiment, there are three types of payment means, a first payment means, a second payment means, and a third payment means, which will be described later. Further, in the present embodiment, a two-step electronic payment process of a first payment process and a second payment process is performed.

The first settlement process is performed when paying the price at a store such as a member retail store. The first settlement process is a process of paying the price by the first payment means.

The first payment means is, for example, electronic money given to the user by the electronic payment service provider. That is, the payment of the price to the store by the first payment means is substantially borne by the electronic payment service provider. The user can use the first payment means for payment at the store within the range of the balance of the first payment means. Hereinafter, the balance of the first payment means is also referred to as "points".

On the other hand, the second settlement process is executed after the completion of the first settlement process (for example, after leaving the store). The second settlement process is a process of paying the amount equivalent to the price in the first settlement process described above by a payment method selected from the second payment means and the third payment means, and a second payment method when paying by the second payment means. It includes a process of increasing the points of the first payment means by the amount equivalent to the payment by the payment means.

The second payment method is a payment method in which conditions for use in settlement (hereinafter, also referred to as "constraint conditions") are set. Constraints can be arbitrarily set by the electronic payment service provider and the member organizations affiliated with the electronic payment service provider. Payment by the second payment method will be borne by the member organization. The second payment means functions as, for example, electronic money or voucher as a welfare program in a member organization, electronic money that can be used for expense settlement, or the like by adjusting the constraint conditions to be set. When the second payment method is selected, if the constraint condition is satisfied, the member organization pays the amount equivalent to the price in the first payment process described above to the electronic payment service provider by the second payment method. Then, the electronic payment service provider gives points to the user by the amount equivalent to the payment by the second payment means (for example, the amount equivalent to the price in the first payment process).

The third payment means is a payment means for which no constraint condition is set, and is an asset owned by the user. Payment by the third payment means is borne by the user himself. In one example, the third payment instrument may include electronic money pre-given to the user, such as prepaid or service points. The electronic money related to the third payment means may be given to the user by the electronic payment service provider, may be given to the user by the member organization, or may be given to the user by a third party. Further, the third payment means may include, for example, a postpaid payment means. Further, the third payment means may include a user's credit card. When the third payment means is selected, the user pays the amount equivalent to the price in the first payment process described above to the electronic payment service provider by the third payment means.

(Example of using electronic payment system)
An example of using the electronic payment system 1 will be described. For example, a user having 15,000 points pays the price for 5,000 points at the store by the first payment means. In such a case, the user's points are reduced from 15,000 points to 10,000 points by the first settlement process. Subsequently, the user selects the second payment means or the third payment means after the completion of the first payment process (for example, after leaving the store).

For example, if the user wants to handle the payment at the store as the burden of the member organization, the user selects the second payment method. In such a case, by the second payment process, the amount equivalent to the price (that is, the amount equivalent to 5000 points) is paid by the member organization to the electronic payment service provider by the second payment means, and the points equivalent to the payment by the second payment means (that is, the amount equivalent to 5000 points). That is, 5000 points) are given to the user by the electronic payment service provider. As a result, the user's points increase from 10,000 points to 15,000 points.

On the other hand, if the user wants to process the payment at the store as a burden on the user, the user selects the third payment means. In such a case, the amount equivalent to the price (that is, the amount equivalent to 5000 points) is paid by the user to the electronic payment service provider by the third payment means by the second payment process. When the third payment method is selected, the user's points remain at 10,000 points, unlike the case where the second payment method is selected.

As described above, according to the electronic payment system 1, the user uses the first payment means in the first payment process at the member retail store, and the second payment means and the third payment in the subsequent second payment process. A desired payment method is selected from the means and used. Since it is not necessary to select a desired payment method from a plurality of payment methods at the time of payment at the store, the complexity of the procedure at the store is reduced. Further, when shopping at a store, the user only needs to consider the points remaining in the first payment means, and does not need to be aware of other payment means, which improves convenience. Therefore, electronic payment technology that can use multiple payment methods will be improved.

Next, each component of the electronic payment system 1 will be described in detail.

(Configuration of payment device)
As shown in FIG. 2, the settlement device 10 includes a communication unit 11, a display unit 12, a reading unit 13, an operation unit 14, a storage unit 15, and a control unit 16.

The communication unit 11 includes a communication module connected to the network N. The communication module may include, for example, a wireless LAN communication module, a wired LAN communication module, or the like. As will be described later, the payment device 10 transmits arbitrary information used in the first payment processing to the server 20 via the communication unit 11. As the "information used for the first settlement processing", for example, identification information that uniquely identifies a transaction related to settlement (hereinafter, also referred to as "payment identification information"), user identification information, and a settlement device 10 are installed. It may include, but is not limited to, store identification information, date and time information, price, and breakdown of purchased products of member retailers.

The display unit 12 includes a display device such as a liquid crystal display or an organic EL display. The display unit 12 can display arbitrary information. For example, the display unit 12 may display a one-dimensional code or a two-dimensional code (hereinafter, also simply referred to as “code”) including arbitrary information used in the first settlement process. The code displayed on the display unit 12 can be read by the portable device 30 as will be described later. When the code is displayed on the display unit 12 and read by the mobile device 30, the payment device 10 can notify the mobile device 30 of the information included in the code.

The reading unit 13 includes an interface for reading a code displayed on the mobile device 30 as described later. The interface may include, for example, a code scanner or camera module. When the code displayed on the mobile device 30 is read by the reading unit 13, the payment device 10 can acquire the information included in the code from the mobile device 30. Further, the reading unit 13 may be able to read the product information from a tag such as a bar code attached to the product sold at the store of the member retail store.

The operation unit 14 includes an arbitrary input interface that accepts user operations. The input interface may include, for example, a physical key, a touch screen integrally provided with the display unit 12, and the like.

The storage unit 15 includes one or more memories. In the present embodiment, the "memory" is, for example, a semiconductor memory, a magnetic memory, an optical memory, or the like, but is not limited thereto. Each memory included in the storage unit 15 may function as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 15 may be built in the payment device 10 or may be connected to the payment device 10 via an arbitrary interface. The storage unit 15 stores arbitrary information used for the operation of the payment device 10.

The control unit 16 includes one or more processors. In the present embodiment, the "processor" is, but is not limited to, a general-purpose processor, a dedicated processor specialized for a specific process, or the like. The control unit 16 controls the operation of the entire payment device 10. The details of the operation of the payment device 10 will be described later.

(Server configuration)
As shown in FIG. 3, the server 20 includes a communication unit 21, a storage unit 22, and a control unit 23.

The communication unit 21 includes a communication module connected to the network N. The communication module may include, for example, a wireless LAN communication module, a wired LAN communication module, or the like. The server 20 can communicate with each of the payment device 10 and the mobile device 30 via the communication unit 21.

The storage unit 22 includes one or more memories. Each memory included in the storage unit 22 may function as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 22 may be built in the server 20 or may be connected to the server 20 via an arbitrary interface. The storage unit 22 stores arbitrary information used for the operation of the server 20.

For example, as shown in FIG. 5, the storage unit 22 stores a user ID, a member organization, a first payment means (points), and a second / third payment means for each user. In addition, the usage history, the constraint condition, and the priority are stored for each second payment means. In addition, the usage history and the priority are stored for each third payment means.

The "user ID" is identification information that uniquely identifies a user in an electronic payment service.

The "member organization" is an organization that is a member of the electronic payment service and is information indicating an organization that provides the service to the user. In addition to the name or identification information of the organization, the information of the member organization may include service classification information within the member organization such as identification information of the service provided to the user. Specifically, the member organization may be a company in which the user works. In such a case, the information of the company that is a member organization may include information on the organization within the company, such as the name or identification information of the department to which the user belongs, in addition to the name or identification information of the company. Specifically, the member organization may be a local government in the area where the user lives. In such a case, the information of the local government that is a member organization may include the information of the service category provided by the local government to the user in addition to the name or identification information of the local government. However, the information on the member organizations and the member organizations is not limited to the above example, and may be arbitrarily determined.

The "first payment means (points)" are points indicating the balance of the first payment means. FIG. 5 shows an example in which the user holds "15000" points. In the present embodiment, the balance (that is, points) of the first payment means after the completion of the second settlement process is equal to the total balance of the third payment means, which is an asset owned by the user. In other words, points equal to the total balance of the user's third payment instrument are given to the user by the electronic payment service provider. According to such a configuration, even if neither of the second payment means can be used in the second payment process, for example, the amount equivalent to the price can be reliably paid by the third payment means. When a postpaid payment method is adopted as the third payment method, the usage limit of the payment method may be treated as the balance of the third payment method, or the balance of the third payment method. May be treated as 0. It is also possible that the amount defined in advance by the electronic payment service provider is treated as the balance of the third payment means.

The "second / third payment instrument" is information indicating one or more second payment instruments and one or more third payment instruments available to the user. "P1" to "P3" are the second payment means, and "Q1" to "Q2" are the third payment means. The number of each of the second payment means and the third payment means that can be used by the user is not limited to the example shown in FIG. 5, and may be arbitrarily determined.

The "usage history" is information indicating the history of payment made by the corresponding payment method. The information may include, but is not limited to, for example, store identification information of member retailers, date and time information, payment amounts, and breakdown of purchased products.

The "constraint" is information indicating the constraint set for each second payment instrument. As described above, the constraint condition is a condition for using the second payment means. The second payment instrument functions, for example, as a welfare program for the member organization A1. In the example shown in FIG. 5, the constraints may include three conditions: "time zone", "available member retailers", and "membership approval". Specifically, the second payment means P1 can be used at the member retail stores B1, B2, ... During the time zone from 11:00 to 14:00. The second payment means P1 functions as, for example, electronic money or a voucher that can be used at lunchtime at member retail stores B1, B2, ... That are affiliated with the member organization A1. The second payment means P2 is available at the member retail store B2. Such a second payment means P2 functions as, for example, electronic money or a voucher that can be used at a member retail store B2 that is affiliated with a member organization A1 as a welfare facility. The second payment means P3 can be used when the member organization A1 approves it. The second payment means P3 functions as, for example, electronic money that can be used for expense settlement. The constraint conditions are not limited to the example shown in FIG. 5, and may be arbitrarily determined by the member organization A1. For example, an upper limit for a single payment amount or a total payment amount for a predetermined period may be set as a constraint condition. Further, for example, the fact that the user belongs to the member organization A1 (that is, that the user has not retired from the member organization A1) may be defined as a constraint condition.

The "priority" is information indicating the priority set for each payment method. The details of the processing in which the priority is used will be described later. In the present embodiment, the priority of each payment means can be arbitrarily determined by the user as long as the priority higher than that of the third payment means is set in the second payment means. For example, in the example shown in FIG. 5, the priority is shown in the form of "xy". The smaller the value of x, the higher the priority. Further, when x is the same value, the smaller the value of y, the higher the priority. Therefore, in the example shown in FIG. 5, P1, P2, P3, Q1, and Q2 are in order from the payment means having the highest priority.

The control unit 23 includes one or more processors. The control unit 23 controls the operation of the entire server 20. The details of the operation of the server 20 will be described later.

(Configuration of mobile device)
As shown in FIG. 4, the portable device 30 includes a communication unit 31, a display unit 32, a reading unit 33, an operation unit 34, a storage unit 35, and a control unit 36.

The communication unit 31 includes a communication module connected to the network N. The communication module may include, for example, a wireless LAN communication module, a wired LAN communication module, or the like. As will be described later, the mobile device 30 transmits arbitrary information used in the first payment process to the server 20 via the communication unit 31.

The display unit 32 includes a display device such as a liquid crystal display or an organic EL display. The display unit 32 can display arbitrary information. For example, the display unit 32 may display a code including arbitrary information used in the first settlement process. The code displayed on the display unit 32 can be read by the payment device 10 as described above. When the code is displayed on the display unit 32 and read by the payment device 10, the portable device 30 can notify the payment device 10 of the information included in the code.

The reading unit 33 includes an interface for reading the code displayed on the payment device 10 as described above. The interface may include, for example, a camera module. When the code displayed on the payment device 10 is read by the reading unit 33, the mobile device 30 can acquire the information included in the code from the payment device 10.

The operation unit 34 includes an arbitrary input interface that accepts user operations. The input interface may include, for example, a physical key and a touch screen integrally provided with the display unit 32.

The storage unit 35 includes one or more memories. Each memory included in the storage unit 35 may function as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 35 may be built in the mobile device 30 or may be connected to the mobile device 30 via an arbitrary interface. The storage unit 35 stores arbitrary information used for the operation of the portable device 30. For example, when the mobile device 30 and the server 20 communicate with each other, at least a part of the information shown in FIG. 5 stored in the storage unit 22 of the server 20 may be copied to the storage unit 35 of the mobile device 30.

The control unit 36 includes one or more processors. The control unit 36 controls the operation of the entire mobile device 30. Details of the operation of the portable device 30 will be described later.

(Operation of electronic payment system)
The first operation of the electronic payment system 1 will be described with reference to FIG. The first operation is performed, for example, at the time of payment of the price at the store of the member retail store.

Step S100: The payment device 10 performs accounting processing. Specifically, the payment device 10 calculates the price to be paid by the user, for example, by reading the information of the product to be purchased and used by the user. Here, the payment device 10 may specify the breakdown of the purchased product. In addition, the payment device 10 may generate payment identification information.

Step S101: The portable device 30 displays points indicating the balance of the first payment means. The user confirms that the displayed points are equal to or greater than the price equivalent amount calculated in step S100.

Step S102 (S102a, S102b): Each of the payment device 10 and the portable device 30 displays or reads a code, and transmits an execution request for the first payment process to the server 20. Specifically, one of the payment device 10 and the mobile device 30 displays a code including information used for the first payment processing, and transmits an execution request for the first payment processing to the server 20. Further, when the other of the payment device 10 and the portable device 30 reads the code, it transmits an execution request for the first payment process to the server 20. The execution request includes, for example, payment identification information, user identification information, member retail store identification information, date and time information, price, and breakdown of purchased products, as information used in the first payment processing. obtain.

Step S103: When the server 20 receives the execution request from both the payment device 10 and the mobile device 30, the server 20 notifies at least one of the payment device 10 and the mobile device 30 of confirmation of use of the first payment means. Here, it is assumed that both the payment device 10 and the portable device 30 are notified of the usage confirmation.

Step S104: The payment device 10 and the portable device 30 confirm the use of the first payment means with the clerk and the user, respectively, in response to the notification in step S103. The payment device 10 and the portable device 30 notify the server 20 that the clerk and the user have confirmed the use of the first payment means, for example, in response to the operations of the clerk and the user.

Step S105: The server 20 pays the price by the first payment means in response to the notification in step S104. Specifically, the server 20 uses the "information used for the first payment process" included in the execution request received from the payment device 10 and the "first payment process" included in the execution request received from the mobile device 30. Compare with "information to be received". When the server 20 determines that the compared information indicates the same transaction (for example, the payment identification information, the date and time information, the price, and the breakdown of the purchased product match), the user's points are set to the amount equivalent to the price. By consuming (decreasing) only, the payment of the price by the first payment means is completed.

Here, steps S102-S105 correspond to the first settlement process described above. That is, in steps S102 to S105, the payment device 10, the server 20, and the mobile device 30 jointly perform the first payment process of paying the price by the first payment means. In addition, steps S103 and S104 can be omitted.

Step S106: The server 20 notifies the mobile device 30 of the points after the amount corresponding to the price is reduced by the completion of the first payment process.

Step S107: The portable device 30 displays the points after the decrease in response to the notification in step S106. The user can confirm that the points are reduced by the amount equivalent to the price from the amount displayed in step S101.

The second operation of the electronic payment system 1 will be described with reference to FIG. 7. The second operation is performed at an arbitrary timing after the first operation described above. That is, the second operation may be performed after a lapse of time after the first operation is performed.

Step S200: The server 20 transmits to the mobile device 30 a list of one or more second payment instruments and one or more third payment instruments available to the user. The list includes, for example, usage history, constraints, and priority information for each payment instrument.

Step S201: The portable device 30 selectively displays each payment instrument included in the list in step S200. The portable device 30 selects one payment means from the displayed one or more second payment means and one or more third payment means, for example, based on a user operation.

Here, the portable device 30 may display each payment means in a list format, and the payment means having a higher priority may be displayed so as to be higher in the list. Alternatively, the portable device 30 may display the higher priority payment instrument more prominently than the other payment instruments (for example, to increase the display area or with highlighting such as blinking). The portable device 30 may omit the display of the second payment means that is known not to satisfy the constraint condition at the time of step S201. For example, when the date and time when the first settlement process in the first operation described above is performed is in a time zone other than 11:00 to 14:00, the display of the second payment means P1 shown in FIG. 5 may be omitted.

Step S202: The portable device 30 notifies the server 20 of the payment means selected in step S201.

Step S203: The server 20 determines whether or not the second payment instrument has been selected in step S201. If it is determined that the second payment instrument has been selected (step S203-Yes), the process proceeds to step S204. On the other hand, if it is determined that the third payment instrument has been selected (step S203-No), the process proceeds to step S208.

Step S204: The server 20 determines whether or not all the constraints set for the selected second payment instrument are satisfied. Specifically, when the constraint condition of the second payment means includes the condition of "time zone" or "available member retailer" shown in FIG. 5, the server 20 takes the payment device 10 in step S102 described above. Alternatively, it is determined whether or not each condition is satisfied based on the information used for the first payment process transmitted from the portable device 30. Specifically, the server 20 is used by the member organization A1 when the constraint condition of the second payment means includes the condition of "approval of the member organization" shown in FIG. 5 (that is, when it is "required"). Send an approval / rejection confirmation request to the system. For example, when the server 20 receives a notification of approval from the system used by the member organization A1, it determines that the condition of "approval of the member organization" is satisfied, and when it receives a notification of non-approval, it determines that "the member organization Judge that the condition of "approval" is not satisfied. If it is determined that all the constraints are satisfied (step S204-Yes), the process proceeds to step S205. On the other hand, if it is determined that at least one constraint condition is not satisfied (step S204-No), the process proceeds to step S208.

Step S205: The server 20 pays the price equivalent amount in the above-mentioned first operation by the selected second payment means, and increases the user's points by the payment equivalent amount by the second payment means.

Step S206: The server 20 notifies the mobile device 30 of the increased points.

Step S207: The portable device 30 displays the increased points in response to the notification in step S206. The user can confirm that the points are increased by the amount equivalent to the payment by the second payment means in step S205 from the amount displayed in step S107 described above.

Step S208: The server 20 pays the amount equivalent to the price in the first operation described above by the third payment means. When the server 20 determines that the third payment means has been selected in step S203 (that is, step S203-No), the server 20 makes payment by the third payment means. Alternatively, if the server 20 determines in step S204 that the constraint condition of the second payment means selected in step S202 is not satisfied (that is, step S204-No), the server 20 cancels the payment by the second payment means. Payment is made by any one of the third payment means. For example, the server 20 may send a request to the mobile device 30 to select any one of the third payment means from the one or more third payment means. Upon receiving the request, the mobile device 30 selects at least one third payment means according to the user operation and notifies the server 20. The server 20 makes a payment by the notified third payment means. Alternatively, the server 20 may make payment by the third payment means having the highest priority from among one or more third payment means.

Here, steps S203-S205 and S208 correspond to the second settlement process described above. That is, in steps S203-S205 and S208, the server 20 processes to pay the price equivalent amount by the payment means notified from the mobile device 30, and when the price equivalent amount is paid by the second payment means, the second payment means. A second settlement process including a process of increasing points by the amount equivalent to payment by

As described above, according to the electronic payment system 1 according to the present embodiment, the user uses the first payment means in the first payment process at the member retail store, and the second payment process thereafter. 2 Select and use the desired payment method from the payment method and the third payment method. Since it is not necessary to select a desired payment method from a plurality of payment methods at the time of payment at the store, the complexity of the procedure at the store is reduced. Further, when shopping at a store, the user only needs to consider the points remaining in the first payment means, and does not need to be aware of other payment means, which improves convenience. Therefore, electronic payment technology that can use multiple payment methods will be improved.

Although the embodiments of the present disclosure have been described with reference to the drawings, it should be noted that those skilled in the art can easily make various modifications or modifications based on the present disclosure. It should be noted, therefore, that these modifications or modifications are within the scope of this disclosure. For example, the functions included in each means or each step can be rearranged so as not to be logically inconsistent. For example, a plurality of means or steps can be combined or divided into one.

For example, in the above-described embodiment, a configuration in which one payment method is selected from one or more second payment methods and one or more third payment methods available to the user in the second payment process will be described. did. However, it is also possible to configure a plurality of payment instruments to be selected from one or more second payment instruments and one or more third payment instruments. When a plurality of payment methods are selected, in the second settlement process, the payment method equivalent to the price is preferentially used from the selected payment methods in order of priority. For example, a case where one second payment means and one third payment means are selected will be specifically described. Here, it is assumed that the amount equivalent to the price to be paid in the second settlement process is the amount equivalent to 5000 points. When the server 20 can pay the amount equivalent to 5000 points by the second payment means having a high priority, the server 20 pays the amount equivalent to 5000 points by the second payment means and the payment equivalent amount by the second payment means (that is, The second payment process is completed by increasing the user's points by (5000 points). On the other hand, the server 20 uses a second payment means for a part of the amount equivalent to 5000 points (for example, 3000 points) because the balance of the second payment means is less than the amount equivalent to the price (for example, the amount equivalent to 3000 points). If only the equivalent amount) can be paid, the part (equivalent to 3000 points) is paid by the second payment means, and the rest (equivalent to 2000 points) is paid by the third payment means. Then, the server 20 completes the second payment process by increasing the user's points by the amount equivalent to the payment by the second payment means (that is, 2000 points).

Further, in the above-described embodiment, when it is determined in step S204 shown in FIG. 7 that the constraint condition of the second payment means is not satisfied (step S204-No), the server 20 immediately proceeds to step S208 and the third payment means. Described the configuration for making payments in. However, if it is determined in step S204 that the constraint condition of the second payment means is not satisfied (step S204-No), the server 20 notifies the mobile device 30 that the constraint condition of the second payment means is not satisfied. May be good. The mobile device 30 may return to the process of step S201 in response to the notification, and display each payment means again in a selectable manner, except for the notified second payment means. Here, an upper limit (for example, twice) may be set for the number of times the notification that the constraint condition of the second payment means is not satisfied is executed. In such a case, if it is determined in step S204 that the constraint condition of the second payment means is not satisfied in the state where the number of times the notification is executed has reached the upper limit (step S204-No), the server 20 proceeds to step S208 and the second step is performed. 3 Make payment by payment method.

Further, in the above-described embodiment, the configuration in which each of the payment device 10 and the portable device 30 displays or reads a code including information used in the first payment processing has been described. However, each of the payment device 10 and the portable device 30 can be configured to include a short-range wireless communication module such as an NFC. In such a case, each of the payment device 10 and the portable device 30 transmits / receives information used for the first payment processing by short-range wireless communication instead of displaying and reading the code.

Further, a general-purpose information processing device can be adopted as the payment device 10, the server 20, or the portable device 30 according to the above-described embodiment. For example, a program describing processing contents for realizing each function of the payment device 10, the server 20, or the portable device 30 according to the embodiment is stored in the memory of the information processing device and executed by the processor of the information processing device. .. Therefore, the embodiments of the present disclosure can also be realized as a program.

1 Electronic payment system 10 Payment device 11 Communication unit 12 Display unit 13 Reading unit 14 Operation unit 15 Storage unit 16 Control unit 20 Server 21 Communication unit 22 Storage unit 23 Control unit 30 Mobile device 31 Communication unit 32 Display unit 33 Reading unit 34 Operation Unit 35 Storage unit 36 Control unit N Network

Claims (5)

An electronic payment system including a payment device, a mobile device used by a user, and a server capable of communicating with each of the payment device and the mobile device.
The portable device displays points indicating the balance of the first payment instrument and displays points.
The payment device, the mobile device, and the server jointly perform a first payment process for paying a price by the first payment means.
The portable device is
Display the points after the amount of the price has been reduced by the completion of the first settlement process.
Select at least one payment instrument from one or more second payment instruments and one or more third payment instruments.
Notify the server of the selected at least one payment instrument and
The server
When the process of paying the equivalent amount of the price by the at least one payment means and the payment of at least a part of the equivalent amount of the price by the two payment means, the points are increased by the amount equivalent to the payment by the second payment means. Perform the second payment process including the process to make it
When the points are increased by the second settlement process, the increased points are notified to the mobile device.
The portable device is an electronic payment system that displays the increased points in response to a notification from the server. The electronic payment system according to claim 1.
Each of the one or more second payment instruments has a constraint condition for use in settlement.
The server in the second payment process
When the second payment means is included in the at least one payment means, it is determined whether or not the constraint condition of the second payment means is satisfied.
When it is determined that the constraint condition of the second payment means is satisfied, at least a part of the corresponding amount of the price is paid by the second payment means.
An electronic payment system that suspends payment by the second payment means when it is determined that the constraint condition of the second payment means is not satisfied. The electronic payment system according to claim 1 or 2.
An electronic payment system in which the balance of the first payment means after the completion of the second payment process is equal to the total balance of the one or more third payment means. To a server that can communicate with each of the payment device and the mobile device used by the user
A step of performing the first payment process of paying the price by the first payment means in collaboration with the payment device and the mobile device, and
In response to a notification of at least one payment instrument selected in the mobile device from one or more second payment instruments and one or more third payment instruments, the equivalent amount of the price is paid by the at least one payment instrument. And a process of increasing points indicating the balance of the first payment means by the amount equivalent to the payment by the second payment means when at least a part of the equivalent amount of the price is paid by the two payment means. Steps to carry out the second payment process including
When the points are increased by the second payment process, the step of notifying the portable device of the increased points and the step.
A program that runs. For mobile devices used by users
A step to display points indicating the balance of the first payment method,
A step of performing the first payment process of paying the price by the first payment means in collaboration with the payment device and the server, and
A step of displaying the points reduced by a considerable amount of the price due to the completion of the first settlement process, and
A step of selecting at least one payment instrument from one or more second payment instruments and one or more third payment instruments.
A step of notifying the server of the selected at least one payment instrument, and
The processing of paying the equivalent amount of the price by the at least one payment means, and when paying at least a part of the equivalent amount of the price by the second payment means, the points are paid by the payment equivalent amount by the second payment means. When the second payment process including the increase process is completed on the server, the increased points are displayed in response to a notification sent from the server when the points are increased by the second payment process. Steps and
A program that runs.

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