JP2020187399A - Electronic settlement system, information processing device and electronic settlement program - Google Patents

Abstract

To provide a technique for enhancing the efficiency of settlement processing by a split bill in a post-payment system.SOLUTION: An electronic settlement system includes: a plurality of first terminal devices which hold individual identification information; a second terminal device which can hold information on commodities, and read out the individual identification information from the first terminal device; and an information processing device which stores user's information associated with the individual identification information. The information processing device comprises: an acquisition unit which acquires the plurality of pieces of individual identification information related with the purchase of the commodity; a payment amount determination unit which determines a payment amount for each user associated with the individual identification information, based on a purchased amount of the commodity and the number of the acquired individual identification information; and a settlement processing unit which performs settlement processing for each user, based on the payment amount determined by the payment amount determination unit.SELECTED DRAWING: Figure 1

Description

The present invention relates to an electronic payment system, an information processing device and an electronic payment program.

Conventionally, there is known a technique of making a payment by credit card using a mobile terminal. In addition, in the case of purchasing a product or receiving a service at a store, when a plurality of people make a joint payment, the settlement is made by so-called split bill (split account).

Against such a background, for example, a payment management system is disclosed in which a plurality of users split the price of a product or the like purchased by a credit card on behalf of a trading user and settle the payment by credit card (for example, a patent). See Reference 1.)

JP-A-2016-151785

However, in Patent Document 1, it is necessary for the representative to make a credit card payment once and then split the bill again among a plurality of users to make a credit card payment, which takes time and increases the number of operation procedures.

As described above, conventionally, when payment is made by splitting the bill in a postpaid method represented by a credit card or the like, the payment method has not been efficient.

Therefore, as one aspect, the present invention provides a technique for improving the efficiency of payment processing by splitting the bill in the postpaid method.

The electronic payment system according to one aspect of the present invention is a second terminal device capable of holding a plurality of first terminal devices for holding individual identification information and product information, and reading the individual identification information from the first terminal device. An electronic payment system that includes a terminal device and an information processing device that stores user information associated with the individual identification information, and acquires a plurality of the individual identification information related to the purchase of the product. A payment amount determination unit that determines the payment amount for each user associated with the individual identification information based on the purchase amount of the product and the number of the individual identification information acquired, and the payment amount. It is characterized by including a payment processing unit that performs payment processing for each user based on the payment amount determined by the determination unit.

The payment amount determination unit is set in the number of the individual identification information acquired in the predetermined mode in the second terminal device, the number of the individual identification information acquired in the predetermined time, or in the second terminal device. The number is used as a divisor used in the process of determining the payment amount.

The electronic payment system further subtracts the total amount from the total amount of products for which payment processing has not been performed for each user associated with the individual identification information and the upper limit amount associated with the user information. It is characterized in that it includes an amount management unit that manages the usable amount and determines whether the payment amount determined by the payment amount determining unit is within the range of the usable amount.

The information processing device according to another aspect of the present invention can read the individual identification information from the first terminal device that holds the individual identification information and can communicate with the second terminal device that holds the product information. A storage unit that stores user information associated with the individual identification information, a purchase price of the product from the second terminal device, and a plurality of the above-mentioned information processing devices related to the purchase of the product. Payment amount determination for determining the payment amount for each user associated with the individual identification information based on the acquisition unit for acquiring the individual identification information, the purchase amount, and the number of the acquired individual identification information. It is characterized by including a unit and a payment processing unit that performs payment processing for each user based on the payment amount determined by the payment amount determination unit.

The electronic payment program according to another aspect of the present invention can read the individual identification information from the first terminal device that holds the individual identification information and can communicate with the second terminal device that holds the product information. A storage process for storing user information associated with the individual identification information in an information processing device, a purchase price of the product from the second terminal device, and a plurality of individual identifications related to the purchase of the product. An acquisition process for acquiring information, a payment amount determination process for determining a payment amount for each user associated with the individual identification information based on the purchase amount and the number of the acquired individual identification information, and a payment amount determination process. Based on the payment amount determined by the payment amount determination process, the settlement process for performing the settlement process is executed for each user.

It is possible to provide a technique for improving the efficiency of payment processing by splitting the bill by the deferred payment method.

It is a block diagram of the electronic payment system 1 in this embodiment. It is a figure which shows the network configuration example of the electronic payment system 11 in this embodiment. It is a function and block diagram of the electronic payment system in this embodiment. It is a figure which shows an example of the table structure stored in the storage part of the server in this embodiment. It is a sequence diagram of the pre-registration process in this embodiment. It is a figure which shows the display example (the 1) of the touch settlement which is displayed on the terminal apparatus in the pre-registration process in this embodiment. It is a figure which shows the display example (the 2) of the touch settlement which is displayed on the terminal apparatus in the pre-registration process in this embodiment. It is a figure which shows the display example (the 3) of the touch settlement which is displayed on the terminal apparatus in the pre-registration process in this embodiment. It is a sequence diagram of the relation processing of the user ID and the wristband ID in this embodiment. FIG. 10 is a diagram showing a display example of a two-dimensional code displayed on the terminal device in the process of associating the user ID and the wristband ID in the present embodiment. It is a sequence diagram of the touch settlement process (in the case of single purchase) in this embodiment (Example 1). It is a flowchart which shows the process of the touch settlement process (in the case of single purchase) of the server in this Embodiment (Example 1). It is a sequence diagram of the touch settlement process (in the case of purchase by splitting the bill by a plurality of people) in this embodiment (Example 2). It is a flowchart which shows the process of the touch settlement process (in the case of purchase by splitting the bill by a plurality of people) of the server in this Embodiment (Example 2). It is a sequence diagram of the touch settlement process (in the case of purchase by splitting the bill by a plurality of people) in this embodiment (Example 3). It is a sequence diagram of the touch settlement process (in the case of purchase by splitting the bill by a plurality of people) in this embodiment (Example 4). This is an example of a block diagram of a hardware environment of a computer that executes a program according to the present embodiment (including Examples 1 to 4).

FIG. 1 is a block diagram of the electronic payment system 1 according to the present embodiment. The electronic payment system 1 includes a plurality of first terminal devices 2, a second terminal device 3, and an information processing device 4. As an example of the electronic payment system 1, the electronic payment system 11 described later can be mentioned. The plurality of first terminal devices 2 hold individual identification information (for example, a wristband ID described later). As an example of the plurality of first terminal devices 2, a wristband 16 described later can be mentioned. The second terminal device 3 can hold the product information and can read the individual identification information from the first terminal device 2. As an example of the second terminal device 3, a payment terminal 15 described later can be mentioned. The information processing device 4 stores user information associated with individual identification information. As an example of the information processing device 4, a server 13 described later can be mentioned.

The electronic payment system 1 includes an acquisition unit 5, a payment amount determination unit 6, and a payment processing unit 7. The acquisition unit 5 acquires a plurality of individual identification information related to the purchase of the product. As an example of the acquisition unit 5, the acquisition unit 65, which will be described later, can be mentioned.

The payment amount determination unit 6 determines the payment amount for each user associated with the individual identification information based on the purchase amount of the product and the number of the acquired individual identification information. As an example of the payment amount determination unit 6, the payment amount determination unit 66 described later can be mentioned.

The payment processing unit 7 performs payment processing for each user based on the payment amount determined by the payment amount determination unit. As an example of the payment processing unit 7, the payment processing unit 67 described later can be mentioned.

With such a configuration, it is possible to improve the efficiency of payment processing by splitting the bill in the postpaid method. In FIG. 1, the acquisition unit 5, the payment amount determination unit 6, the payment processing unit 7, and the amount management unit 8 are included in the information processing device 4, but are not limited to these, and some or all of them are included. Is not included in the information processing apparatus 4, but may be included in the electronic payment system 1.

The payment amount determination unit 6 determines the number of individual identification information acquired in the predetermined mode in the second terminal device 3, the number of individual identification information acquired in the predetermined time, or the number set in the second terminal device 3. , Used as a divisor used in the process of determining the payment amount.

With this configuration, the degree of freedom in the splitting process can be increased by increasing the variation of the splitting process.

The electronic payment system 1 further includes an amount management unit 8. The amount management unit 8 manages the total amount of products that have not been settled for each user associated with the individual identification information, and the usable amount obtained by subtracting the total amount from the upper limit amount associated with the user information. To do. The amount management unit determines whether the payment amount determined by the payment amount determination unit 7 is within the usable amount. As an example of the amount management unit 8, the amount management unit 68 described later can be mentioned.

Further, the information processing device 4 may be able to read the individual identification information from the first terminal device 2 that holds the individual identification information and may be able to communicate with the second terminal device 3 that holds the product information. .. In this case, the information processing device 4 may include a storage unit 9, an acquisition unit 5, a payment amount determination unit 6, a settlement processing unit 7, and an amount management unit 8.

The storage unit 9 stores user information associated with the individual identification information. An example of the storage unit 9 is a storage unit 70.

As described above, the acquisition unit 5 acquires the purchase price of the product and a plurality of individual identification information related to the purchase of the product from the second terminal device 3. As described above, the payment amount determination unit 6 determines the payment amount for each user associated with the individual identification information based on the purchase amount and the number of the acquired individual identification information. As described above, the payment processing unit 7 performs payment processing for each user based on the payment amount determined by the payment amount determination unit 6.

With such a configuration, it is possible to improve the efficiency of payment processing by splitting the bill in the postpaid method.

FIG. 2 is a diagram showing a network configuration example of the electronic payment system 11 according to the present embodiment. The electronic payment system 11 is an example of the electronic payment system 1. The electronic payment system 11 includes a terminal device 12, a server device (hereinafter referred to as a “server”) 13, an admission reception terminal 14, a payment terminal 15, a wristband 16, a credit inquiry / payment system 18, and a communication network 19. The terminal device 12, the server 13, the admission reception terminal 14, the payment terminal 15, and the credit inquiry / payment system 18 are communicably connected to each other via the communication network 17 by wired communication or wireless communication.

In the present embodiment, as an example, it is assumed that one or more users are gathered at the event venue 17 in which the admission reception terminal 14 and the payment terminal 15 are installed. Then, it is assumed that each user carries at least one terminal device 12. Here, when entering the event venue 17, it is necessary to register (pre-register) the predetermined information as a participation application in advance. Pre-registration also sets up a post-payment method to facilitate the purchase of goods and the provision of services at the event venue. Users who have completed pre-registration are entitled to participate in the event, and admission information (for example, a two-dimensional code such as a QR code (registered trademark)) that permits admission to the event venue is issued. In the following, the product shall include the service, and the payment of the consideration for the provision of the service shall be included in the purchase of the product.

When entering the event venue, the user causes his / her terminal device 12 to display the issued two-dimensional code at the entrance reception. Then, the admission receptionist reads the two-dimensional code on the admission reception terminal 14, reads the wristband ID of the wristband 16 prepared in advance, and transmits the wristband ID to the server 13. The server 13 acquires the user information from the two-dimensional code and associates the user information with the wristband ID. After the association is completed, the admission receptionist hands the wristband 16 holding the associated wristband ID to the user. The user can purchase a product at the event venue 17 using the wristband 16.

The terminal device 12 is an electronic terminal device having a communication function capable of connecting to a communication network such as a smartphone, a tablet terminal, or a mobile phone carried by a user. The terminal device 12 may be a so-called personal computer.

The admission reception terminal 14 is a device for communicating with the server 13 and associating user information with a wristband ID, and includes a QR reader 14a and a wristband ID reader 14b. The QR reader 14a reads the admission permission information such as the two-dimensional code displayed on the terminal device 12. The wristband ID reader 14b reads the wristband ID held in the wristband 16 via short-range wireless communication such as NFC (Near field communication).

The payment terminal 15 is a payment terminal when communicating with the server 13 and purchasing a product using the wristband 16 at the event venue 17, and is held by the wristband 16 via short-range wireless communication such as NFC. It has a reading function to read the wristband ID.

The wristband 16 has a built-in NFC chip or the like for short-range wireless communication with the wristband ID reader 14b and the payment terminal 15. The NFC chip includes a storage unit that holds individual identification information (wristband ID) that identifies the wristband.

The server 13 is an information processing device capable of communicating with the terminal device 12, the admission reception terminal 14, and the payment terminal 15. The server 13 registers user information (including payment information) in response to a request from the terminal device 12, associates user information with a wristband ID in response to a request from an admission reception terminal 14, and makes a payment terminal. Settlement processing is performed according to the request from.

When performing payment processing, the server 13 communicates with the credit inquiry / payment system 18 to perform a credit inquiry. Credit inquiry refers to confirming the credit card user's credit (confirming the validity and usage limit) with the credit card company. When the credit inquiry is approved by the credit card company, the settlement amount is temporarily (temporarily) secured.

The server 13 may be a server system composed of one or more physical information processing devices, or may be a virtual server system composed of one or more virtual server devices.

FIG. 3 is a function and configuration block diagram of the electronic payment system according to the present embodiment. The terminal device 12 includes a communication unit 21 and an operation display unit 22. The communication unit 21 is an interface that enables communication with a device connected to the communication network 19. Here, it communicates with the server 13.

The operation display unit 22 is a touch panel capable of inputting and displaying by input operation. In the present embodiment, the operation display unit 22 is used as an example, but the present invention is not limited to this, and the input unit and the display unit may be independent of each other. Using the operation display unit 22, the user registers user information input by the user via the terminal device 12 at the time of application for participation in the event (in advance). After the registration of the user information, the admission permission information as the participation qualification for the event is issued, and the admission permission information can be displayed on the operation display unit 22 as, for example, a two-dimensional code.

The admission reception terminal 14 includes a communication unit 31, a two-dimensional code reader 14a, and a wristband ID reader 14b.

The two-dimensional code reader 14a can read a two-dimensional code such as a QR code (registered trademark) displayed on the terminal device 12. Although a two-dimensional code is used in this embodiment, the code is not limited to this, and may be, for example, a one-dimensional code. The wristband ID reader 14b can read the wristband ID held in the storage unit 51 of the wristband 16 via short-range wireless communication such as NFC.

The communication unit 31 is an interface that enables communication with a device connected to the communication network 19, and here, it communicates with the server 13. The communication unit 31 pairs the two-dimensional code and the wristband ID read in association with each other or continuously, and transmits the pair to the server 13.

The admission reception terminal 14 may include a display unit (not shown) such as a display in order to display the result of the processing request to the server 13.

The payment terminal 15 includes a communication unit 41, an operation display unit 42, and a reading unit 43. The communication unit 41 is an interface that enables communication with a device connected to the communication network 19, and here, it communicates with the server 13.

The operation display unit 42 is a touch panel capable of inputting and displaying by input operation. In the present embodiment, the operation display unit 42 is used as an example, but the present invention is not limited to this, and the input unit and the display unit may be independent of each other. In this embodiment, for example, the operation display unit 42 can input product information, set a payment method mode when splitting the bill, and display the result of a processing request to the server 13. ..

The reading unit 43 has a reading function for reading the wristband ID held in the wristband 16 via short-range wireless communication such as NFC.

The payment terminal 15 may include a bar code reader (or a two-dimensional code reader) for reading the product code, or a product information reading unit (not shown) that reads information using short-range wireless communication such as NFC. .. Further, the payment terminal 15 may be provided with an output device such as a printer so that a receipt can be issued.

The server 13 includes a communication unit 61, a control unit 62, and a storage unit 70. The communication unit 61 is an interface that enables communication with a device connected to the communication network 19, in which communication is performed with a terminal device 12, an admission reception terminal 14, a payment terminal 15, and a credit inquiry / payment system 18. ..

The control unit 62 functions as a user information registration unit 63, a relation unit 64, an acquisition unit 65, a payment amount determination unit 66, a settlement processing unit 67, and an amount management unit 68.

The user information registration unit 63 acquires the user information input by the user via the terminal device 12 at the time of application for participation in the event (in advance), and registers the user information in the user information management table 71.

When the association unit 64 acquires the two-dimensional code and the wristband ID transmitted as a pair from the admission reception terminal 14, the user corresponding to the acquired two-dimensional code (admission permission information) from the admission permission information management table 74. Search for an ID. The association unit 64 associates the searched user ID with the acquired wristband ID and registers it in the user ID / wristband ID relationship table 75.

The acquisition unit 65 acquires the purchased product information, the wristband ID, and the like transmitted from the payment terminal 15.

The payment amount determination unit 66 determines the payment amount for each user associated with the wristband ID based on the purchase amount of the product and the number of acquired wristband IDs.

The payment processing unit 67 performs payment processing for each user based on the payment amount determined by the payment amount determination unit 66. Here, the payment amount determination unit 67 determines the number of wristband IDs acquired in the payment terminal 15 during the predetermined mode, the number of wristband IDs acquired within the predetermined time, or the number set in the payment terminal 15. Used as a divisor used in the process of determining the payment amount.

The amount management unit 68 manages the total amount of products that have not been settled for each user associated with the wristband ID, and the usable amount obtained by subtracting the total amount from the maximum amount associated with the user information. Then, it is determined whether or not the payment amount determined by the payment amount determination unit 66 is within the usable amount.

The storage unit 70 includes a user information management table 71, a credit card payment information management table 72, a postpaid management table 73, an admission permission information management table 74, a user ID / wristband ID related table 75, a product information management table 76, and payment history management. Stores table 77.

The user information management table 71 is a table for managing information of users who use the electronic payment system 11. The credit card payment information management table 72 is a table that manages the credit card information of the user who has selected the credit card payment method as the payment method. The deferred payment management table 73 is a table that manages the destination of the invoice of the user who has selected the deferred payment method as the payment method. The admission permission information management table 74 is a table that manages users who are qualified to enter the event venue. The user ID / wristband ID relationship table 75 is a table for associating the user ID with the wristband ID. The product information management table 76 is a table that manages products for each type of product. The payment history management table 77 is a history of information about products and the like purchased using the wristband 16.

FIG. 4 is a diagram showing an example of a table structure stored in the storage unit 70 of the server according to the present embodiment.

The user information management table 71 includes data items such as "user ID", "name", "address", "telephone number", "payment method code", "upper limit amount", and "cumulative payment amount". The "user ID" is user identification information that identifies a user in the electronic payment system 11, and is given by the user information registration unit 63 at the time of registration in the user information management table 71. In the "name", "address", and "telephone number", the user's name, address, and telephone number corresponding to the user ID are registered. For example, a credit card payment payment method (payment method code = "1") or a postpaid payment at a store such as a convenience store (convenience store payment) (payment method code = "2") is registered in the "payment method code". .. In the "upper limit amount", for example, the upper limit amount of the amount that can be used for a predetermined period (for example, one day, one week, etc.) is registered. In the "cumulative payment amount", the cumulative value (total value) of the amount paid in a predetermined period using the wristband 16 is registered.

The credit card payment information management table 72 includes data items of "user ID", "payment method code", "selection / non-selection", and "credit card information". In "selected / unselected", a flag (1: selected, 0: non-selected) indicating which credit card information was selected is stored. Information such as a credit card number is stored in the "credit card information". The "credit card information" is encrypted because it has particularly high security.

The deferred payment management table 73 includes data items of "user ID", "payment method code", "selection / non-selection", "invoice delivery address", and "invoice delivery telephone number". In "selection / non-selection", a flag (1: selected, 0: non-selected) indicating which invoice delivery address information has been selected is stored. The "invoice delivery address" stores the address information of the invoice destination. The "invoice destination telephone number" stores the telephone number of the invoice destination.

The admission permission information management table 74 includes data items of "admission permission information" and "user ID". The "admission permission information" is information represented by a two-dimensional code or a two-dimensional code in the present embodiment.

The user ID / wristband ID relationship table 75 includes data items of "user ID" and "wristband ID".

The product information management table 76 includes data items of "product code", "product name", and "unit price". The "product code" stores information that identifies the type of product. In the "product name", the name of the product corresponding to the product code is stored. In the "unit price", the unit price information of the product corresponding to the product code is stored.

The friendship history management table 77 includes data items of "inquiry number", "user ID", "order date and time", "purchased product detail information", "total amount", "payment status", and "split bill flag". The "inquiry number" is information that identifies each transaction in the electronic payment system 11, and is given by the server 13 in transaction units. The date and time when the transaction was made is stored in the "order date and time". In the "purchased product detail information", one or more product information purchased in the transaction and the amount thereof are stored. In the "total amount", the total purchase amount in the transaction, specifically, the total amount of the products in the "purchased product detail information" is stored. In the "payment status", whether or not payment has been completed is stored. In the "splitting flag" (1: with splitting, 0: without splitting), whether or not the transaction information is split is stored.

FIG. 5 is a sequence diagram of the pre-registration process in the present embodiment. 6, FIG. 7 and FIG. 8 are diagrams showing display examples (No. 1, No. 2, No. 3) of touch payment displayed on the terminal device in the pre-registration process in the present embodiment, respectively. In the following, FIG. 5 will be described with reference to FIGS. 6 to 8. For convenience of explanation, in the following, it may be described that the display on the operation display unit 22 of the terminal device 12 is displayed on the terminal device 12.

First, in order to participate in the event, the user needs to make predetermined settings in advance as an application for participation. Therefore, the user accesses a predetermined portal site by using the browser installed in the terminal device 12 (S1). Then, a predetermined input operation is performed on the portal site to apply for participation in the predetermined event, and a setting screen (touch payment screen) for registering the payment method at the event venue is displayed (S2). .. Specifically, as shown in FIG. 6, when the user selects the "touch payment" tab 82 on the portal site screen, a screen for performing touch payment is displayed.

When the user presses the "use procedure" 83 in FIG. 6, the terminal device 12 transmits a payment method setting request to the server 13 (S3). Correspondingly, the server 13 causes the terminal device 12 to display the payment method setting screen 91 as shown in FIG. 7 (S4).

The user inputs the payment method on the payment method setting screen 91 using the terminal device 12. For example, on the payment method setting screen 91, when the user selects credit card payment, the user inputs necessary information in the credit card payment setting field 92. If one or more credit card information has already been registered, the last four digits of that credit card are displayed, and one of the credit cards can be selected. Further, when the "Add credit card" button 93 is pressed, a new credit card can be registered.

Further, when selecting post-payment (a format in which the payment is made at a convenience store using an invoice sent later) on the payment method setting screen 91, the necessary information is input in the post-payment setting field 94. If one or more billing addresses have already been registered, the billing addresses will be displayed and one of the billing addresses can be selected. In addition, when the "Add new delivery address" button 95 is pressed, a new invoice delivery address can be registered.

Payment of the price is not limited to convenience stores, and if the invoice allows payment at a bank, post office, etc., payment may be made at a bank, post office, etc.

In addition, the above-mentioned "upper limit" can be set in the credit card payment setting field 92 and / or the deferred payment setting field 94 of the payment method setting screen 91.

When the user finishes inputting the necessary information on the payment method setting screen 91 and presses the "confirm application" button 96 in FIG. 7, the terminal device 12 transmits a user information registration request to the server 13 ( S5). Correspondingly, the server 13 makes a credit inquiry to the credit inquiry / payment system 18 based on the user's name, telephone number and address (which may further include credit card information) (S6), and credits. Receive the collation result (S7). Then, the server 13 displays the setting completion screen (FIG. 8) on the terminal device 12 (S8). On the setting completion screen (FIG. 8), the server 13 displays the fact that the touch payment setting has been completed and the registered contents.

In the pre-registration, short mail service authentication (SMS authentication) may be used. As a result, security at the time of pre-registration can be improved. In FIG. 7, when the "back" button 97 is pressed, the screen returns to the screen before the transition.

FIG. 9 is a sequence diagram of the process of associating the user ID and the wristband ID in the present embodiment. FIG. 10 is a diagram showing a display example of a two-dimensional code displayed on the terminal device in the process of associating the user ID and the wristband ID in the present embodiment. In the following, FIG. 9 will be described with reference to FIG.

Upon entering the event venue, the user accesses the portal site using the terminal device 12. That is, when the user selects the "two-dimensional code" tab 101 as shown in FIG. 10, the two-dimensional code is displayed (S11).

The admission receptionist reads the two-dimensional code using the two-dimensional code reader 14a of the admission reception terminal 14 (S12). Next, the admission receptionist reads the wristband ID from the wristband 16 using the wristband ID reader 14b of the admission reception terminal 14 (S13). When the admission receptionist performs a predetermined operation, the admission reception terminal 14 pairs the two-dimensional code and the wristband ID and transmits the pair to the server 13 (S14). It is assumed that the wristband ID of the wristband 16 read here is an ID unique to the wristband and is not associated with any user ID.

When the server 13 acquires the two-dimensional code and the wristband ID, the server 13 searches the admission permission information management table 74 for the user ID corresponding to the two-dimensional code (S15). The server 13 associates the searched user ID with the wristband ID and stores it in the user ID / wristband ID relationship information 75 (S16). The server 13 transmits the association completion notification to the admission reception terminal 14 (S17). As a result, when the information indicating the completion of the association is displayed on the terminal device 12, the admission receptionist hands the associated wristband 16 to the user (S18). At the event venue 17, the user shall wear the wristband 16 with which the association has been made.

In the following, variations of the touch payment process in the case of single purchase and the case of purchase by splitting the bill by a plurality of people will be described with reference to Examples 1 to 4.

FIG. 11 is a sequence diagram of the touch payment process (in the case of single purchase) in the present embodiment (Example 1). When the user (one person) purchases the product to be purchased, the user (one person) requests the salesperson to settle the product (S21). The salesperson uses the bar code reader of the settlement terminal 15 to read the product code (for example, the barcode) given to the product to be purchased, and the settlement terminal 15 acquires the product code (S22).

The settlement terminal 15 transmits the acquired product code to the server 13 (S23). The server 13 acquires the product information (product name, unit price) corresponding to the product code from the product information management table 76 and transmits it to the settlement terminal 15 (S24).

The salesperson presents the payment amount to the user based on the product information displayed on the settlement terminal 15 (S25). The user presents the wristband 16 (S26).

The salesperson reads the wristband ID from the wristband 16 by using the reading unit 43 of the settlement terminal 15 (S27). The settlement terminal 15 transmits purchase information (product code, unit price, quantity) and wristband ID to the server 13 (S28).

The server 13 performs payment processing using purchase information (product code, unit price, quantity) and wristband ID. Here, the server 13 determines whether or not the sum of the accumulated payment amount in the predetermined period and the current payment amount exceeds the preset upper limit amount based on the user information. When the payment method of the user information corresponding to the wristband ID is credit card payment, the server 13 makes a credit inquiry to the credit inquiry / payment system 18 (S29). Upon receiving the credit inquiry result from the credit inquiry / settlement system 18 (S30), the serve 13 determines whether the sum of the accumulated payment amount and the current payment amount in the predetermined period exceeds the preset upper limit amount. Alternatively, the payment terminal 15 is notified whether the payment is completed or not, depending on the credit inquiry result (S31). The payment terminal 15 issues a receipt depending on whether the payment is completed or not (S32). When the payment is completed, the payment terminal 15 outputs the payment information to the receipt. If payment is not possible, the payment terminal 15 outputs the content "The payment could not be made." On the paper.

FIG. 12 is a flowchart showing the processing of the touch payment processing (in the case of single purchase) of the server in the present embodiment (Example 1). The flowchart of FIG. 12 corresponds to S28 to S31 of FIG.

The acquisition unit 65 acquires the wristband ID and purchase information (product code, amount of money, quantity) from the terminal device 15 (S41).

The payment amount determination unit 66 acquires a user ID corresponding to the acquired wristband ID from the user ID / wristband ID relationship table 75. The payment amount determination unit 66 acquires the user information corresponding to the acquired user ID from the user information management table 71 (S42). The payment amount determination unit 66 acquires the payment method code, the accumulated payment amount, and the upper limit amount from the acquired user information (S43).

The amount management unit 68 determines whether the amount obtained by adding the current purchase amount (payment amount) to the acquired accumulated payment amount is within the usable amount, that is, does not exceed the upper limit amount, based on the upper limit amount. (S44).

When it is determined that the sum of the acquired accumulated payment amount and the current purchase amount (payment amount) is within the usable amount (YES in S44), the payment amount determination unit 66 determines the current purchase amount. Is determined as the payment amount (S45).

The settlement processing unit 67 performs settlement processing for the determined settlement amount based on the acquired settlement method code (S46). When the acquired payment method code = 1 (credit card payment), the payment processing unit 67 acquires valid credit card information corresponding to the user ID from the credit card payment management table 72. The payment processing unit 67 makes a credit inquiry to the credit inquiry / payment system 18 based on the acquired credit card information, and performs payment processing for the determined payment amount.

When the acquired payment method code = 2 (deferred payment), the payment processing unit 67 acquires valid invoice destination information corresponding to the user ID from the deferred payment management table 73. The settlement processing unit 67 performs settlement processing for the determined settlement amount based on the acquired invoice destination information.

After the payment processing is completed, the payment processing unit 67 updates the accumulated payment amount by adding the amount of the payment processing performed this time to the accumulated payment amount corresponding to the user ID in the user information management table 71 (S47). The payment processing unit 67 notifies the payment terminal 15 of the completion of payment (S48).

When it is determined that the sum of the acquired accumulated payment amount and the current purchase amount (payment amount) is out of the usable amount range (NO in S44), the amount management unit 68 makes a payment to the payment terminal 15. Notify that it cannot be done (S49).

FIG. 13 is a sequence diagram of the touch settlement process (in the case of purchase by splitting the bill by a plurality of people) in the present embodiment (Example 2). In FIG. 13, S26 to S30 in FIG. 11 are replaced with S26a to S30a, and the processes of S51, S52, and S53 are added. In FIG. 13, only the part different from FIG. 11 will be described, and the description of other parts to which a common reference numeral is given will be omitted.

The salesperson presents the payment amount to the user based on the product information displayed on the settlement terminal 15 (S25). When the plurality of users inform the salesperson that the purchase is to be made by splitting the bill (S51), the salesperson operates the operation display unit 22 of the payment terminal 15 to set the split bill payment mode (S52).

Each n (n: arbitrary integer) user holds his or her wristband 16 over the payment terminal 15. Then, the reading unit 43 of the payment terminal 15 reads the wristband ID from each of the wristbands held over (S27a).

When the wristband IDs of all the people to split the bill are read, the salesperson presses the confirmation button of the payment terminal 15 (S53). The settlement terminal 15 transmits purchase information (product code, unit price, number of items) and n wristband IDs to the server 13 (S28a).

The server 13 performs payment processing using purchase information (product code, unit price, number of items) and n wristband IDs. Here, the server 13 determines whether or not the sum of the accumulated payment amount in the predetermined period and the current payment amount exceeds the preset upper limit amount based on the user information. When the payment method of the user information corresponding to the wristband ID is credit card payment, the server 13 makes a credit inquiry to the credit inquiry / payment system 18 (S29a). Upon receiving the credit inquiry result from the credit inquiry / settlement system 18 (S30a), the serve 13 determines whether or not the sum of the accumulated payment amount and the current payment amount in the predetermined period exceeds the preset upper limit amount for each user. (S31a), the payment terminal 15 is notified whether the payment is completed or not, depending on the payment completion or the credit inquiry result. The payment terminal 15 issues a receipt for each user depending on whether the payment is completed or not (S32a). When the payment is completed, the payment terminal 15 issues a receipt of payment information for each user. When the payment is not possible, the payment terminal 15 displays, for example, "The payment could not be made" on the operation display unit 42 of the payment terminal 15.

FIG. 14 is a flowchart showing a process of touch settlement processing (in the case of purchase by splitting the bill by a plurality of people) of the server in the present embodiment (Example 2). The flowchart of FIG. 14 corresponds to S28a to S31a of FIG.

The acquisition unit 65 acquires n wristband IDs and purchase information (product code, amount (unit price), number of items) from the terminal device 15 (S61).

The payment amount determination unit 66 acquires a user ID corresponding to each of the acquired wristband IDs from the user ID / wristband ID relationship table 75. The payment amount determination unit 66 acquires user information corresponding to each of the acquired user IDs from the user information management table 71. The payment amount determination unit 66 acquires the payment method code, the accumulated payment amount, and the upper limit amount from each of the acquired user information (S62).

The payment amount determination unit 66 divides the purchase amount (amount (unit price) × number of pieces) by n and sets the quotient as the payment amount P of each user (S63). The remainder may be included in the payment amount of the user corresponding to any wristband ID.

The payment amount determination unit 66 initializes a variable for checking whether the accumulated payment amount (including the current purchase amount) of each user is within the usable amount (S64).

The amount management unit 68 processes S65 to S67 for each wristband ID (user ID). That is, the amount management unit 68 determines whether the amount obtained by adding the current payment amount P to the acquired accumulated payment amount is within the usable amount, that is, does not exceed the upper limit amount, based on the upper limit amount. (S65).

When it is determined that the sum of the acquired accumulated payment amount and the current payment amount P is within the usable amount (YES in S65), the payment amount determination unit 66 setstles the current payment amount P. Determined as the amount (S66).

When it is determined that the amount obtained by adding the current payment amount P to the acquired accumulated payment amount is out of the usable amount range (NO in S65), the amount management unit 68 stores the user ID being processed. At the same time, the value of chk is incremented (S67).

The settlement processing unit 67 determines whether or not chk = 0 (S68). When chk = 0 (S68), the payment processing unit 67 performs the processing of S69 to S70 for each wristband ID (user ID). That is, the payment processing unit 67 performs payment processing for the determined payment amount for each wristband ID (user ID) based on the acquired payment method code (S69). When the acquired payment method code = 1 (credit card payment), the payment processing unit 67 acquires valid credit card information corresponding to the user ID from the credit card payment management table 72. The payment processing unit 67 makes a credit inquiry to the credit inquiry / payment system 18 based on the acquired credit card information, and performs payment processing for the determined payment amount.

When the acquired payment method code = 2 (deferred payment), the payment processing unit 67 acquires valid invoice destination information corresponding to the user ID from the deferred payment management table 73. The settlement processing unit 67 performs settlement processing for the determined settlement amount based on the acquired invoice destination information.

In S69, when credit card payment and post-payment are mixed in the payment method of the member to split the bill, the same method as described above is applied according to each payment method. For example, the payment processing unit 67 makes a credit inquiry to the credit inquiry / payment system 18 based on the acquired credit card information for a member whose payment method is credit card payment, and performs payment processing for the determined payment amount. Further, the settlement processing unit 67 performs settlement processing for a fixed settlement amount based on the acquired invoice destination information for the member whose settlement method is postpaid.

After the payment processing is completed, the payment processing unit 67 pays for each wristband ID (user ID) by adding the amount of the payment processing performed this time to the accumulated payment amount corresponding to the user ID in the user information management table 71. Update the accumulated amount (S70). The payment processing unit 67 notifies the payment terminal 15 of the completion of payment (S71).

When chk> 0 (NO in S68), the amount management unit 68 notifies the payment terminal 15 that payment cannot be made (S72). More specifically, the amount management unit 68 may acquire the user name corresponding to the user ID stored in S67 from the user information management table 71 and notify a message that the upper limit of the user is exceeded. ..

FIG. 15 is a sequence diagram of the touch settlement process (in the case of purchase by splitting the bill by a plurality of people) in the present embodiment (Example 3). In FIG. 15, S52 in FIG. 13 is replaced with S81, and the processing of S53 is omitted. In FIG. 15, only the part different from FIG. 13 will be described, and the description of other parts to which a common reference numeral is given will be omitted.

The salesperson presents the payment amount to the user based on the product information displayed on the settlement terminal 15 (S25). When the plurality of users inform the sales staff that they will purchase by splitting the bill (S51), the sales staff operates the operation display unit 22 of the payment terminal 15 and registers the number of people n to split the bill (S81).

Each n (n: arbitrary integer) user holds his or her wristband 16 over the payment terminal 15. Then, the reading unit 43 of the payment terminal 15 reads the wristband ID from each of the wristbands held over (S27a). When the n wristband IDs registered in S81 are read out, the settlement terminal 15 transmits the purchase information (product code, unit price, quantity) and n wristband IDs to the server 13 (S28a).

Since the flowchart showing the processing of the touch payment processing of the server (in the case of purchasing by splitting the bill by a plurality of people) in the present embodiment (Example 3) is the same as in FIG. 14, the description thereof will be omitted.

FIG. 16 is a sequence diagram of the touch settlement process (in the case of purchase by splitting the bill by a plurality of people) in the present embodiment (Example 4). In FIG. 16, S81 in FIG. 15 is replaced with S91, and the processing of S92 is further added. In FIG. 16, only the parts different from those in FIG. 15 will be described, and the description of other parts to which a common reference numeral is given will be omitted.

The salesperson presents the payment amount to the user based on the product information displayed on the settlement terminal 15 (S25). When the plurality of users tell the salesperson to purchase by splitting the bill (S51), the salesperson asks n (n: arbitrary integer) users to hold their wristbands 16 over the payment terminal 15. prompt. The payment terminal 15 starts measuring the predetermined time (S91).

Each n (n: arbitrary integer) user holds his or her wristband 16 over the payment terminal 15. Then, the reading unit 43 of the payment terminal 15 reads the wristband ID from each of the wristbands held over (S27a). The payment terminal 15 transmits purchase information (product code, unit price, number of items) and n wristband IDs to the server 13 after the measurement of the predetermined time is completed (after the predetermined time has elapsed) (S28a).

Since the flowchart showing the processing of the touch payment processing of the server (in the case of purchasing by splitting the bill by a plurality of people) in the present embodiment (Example 4) is the same as in FIG. 14, the description thereof will be omitted.

An LED (Light Emitting Diode) may be incorporated in the clothes of the operator who operates the payment terminal 15, and the LED may be lit according to the payment amount at the time of payment. This makes it possible to create a more enjoyable atmosphere at the event venue.

Further, in the above embodiment, the wristband ID is held by the NFC ship in the wristband and the wristband ID is read out by short-range wireless communication, but the present invention is not limited to this. For example, a bar code or a two-dimensional code corresponding to the wristband ID may be provided on the wristband 16 and read by a bar code reader or a two-dimensional code reader.

Further, the device that holds the unique identification information is not limited to the wristband 16, and may be, for example, a wearable terminal device that holds the individual identification information and can read the individual identification information by short-range wireless communication. , A mobile communication terminal such as a smartphone.

Further, in the present embodiment, in the case of purchase by splitting the bill by a plurality of people, if even one of them exceeds the upper limit, the transaction is canceled, but the present invention is not limited to this. For example, in the case of a purchase by splitting the bill among a plurality of people, if any one of them exceeds the upper limit, the server 13 again performs the processing after S63 for the person other than the person who exceeds the upper limit. You may do so.

FIG. 17 is an example of a block diagram of a hardware environment of a computer that executes a program according to the present embodiment (including Examples 1 to 4). The computer 111 functions as a terminal device 12, a server 13, an admission reception terminal 14, and a payment terminal 15. The computer 111 is composed of a CPU 112, a ROM 113, a RAM 114, a storage device 115, an input I / F 116, an output I / F 117, a communication I / F 118, a reading device 119, and a bus 120.

Here, the CPU indicates a central processing unit. ROM indicates read-only memory. RAM represents random access memory. I / F indicates an interface. A CPU 112, a ROM 113, a RAM 114, a storage device 115, an input I / F 116, an output I / F 117, a communication I / F 118, and a reading device 119 are connected to the bus 140, if necessary.

When the CPU 112 reads the program according to the present embodiment from the storage device 115 and functions as the server 13, the user information registration unit 63, the association unit 64, the acquisition unit 65, the payment amount determination unit 66, and the payment processing unit 67. , The program is executed as the amount management unit 68. ROM 113 indicates a read-only memory. The RAM 114 is a memory that is temporarily stored.

The storage device 115 is a device that stores a large amount of information. As the storage device 115, various types of storage devices such as a hard disk, a solid state drive (SSD), and a flash memory card can be used. The storage device 115 stores the program according to the embodiment of the present invention and various data stored in the storage unit 70.

The input I / F 116 can be connected to an input device such as a keyboard, mouse, electronic camera, webcam, microphone, scanner, sensor, tablet, touch panel, and information reading device. Further, the output I / F 117 can be connected to an output device such as a display, a touch panel, a projector, a printer, and a speaker.

The communication I / F 118 is an interface such as a port for connecting to a communication network and communicating with another device. The communication network may be an Internet, a local area network (LAN), a wide area network (WAN), a leased line, a wired communication network, a wireless communication network, or the like. The reading device 119 is a device that reads a portable recording medium.

The program that realizes the processing described in the above embodiment may be stored in the storage device 115, for example, from the program provider side via the communication network and the communication I / F 118. Further, the program that realizes the process described in the above embodiment may be stored in a commercially available and distributed portable storage medium. In this case, the portable storage medium may be set in the reading device 115, and the program may be read and executed by the CPU 112. As the portable storage medium, various types of storage media such as CD-ROMs, flexible disks, optical disks, magneto-optical disks, IC cards, USB memory devices, and semiconductor memory cards can be used. The program stored in such a storage medium is read by the reading device 119.

In addition, the program may be installed on a stand-alone computer, or may be installed by a cloud computer to provide only the functions to the user.

According to this embodiment, it is possible to improve the efficiency of payment processing by splitting the bill in the postpaid method. That is, in the postpaid format, the payment process can be performed at the credit card company for each user after splitting the purchase amount before the payment at the credit card company, so that the time is short and efficiency is not required. Payment processing can be performed.

Although the present embodiment has been described above based on the embodiments and modifications, the embodiments of the above-described embodiments are for facilitating the understanding of the present embodiment, and do not limit the present embodiment. This aspect may be modified or improved without departing from its spirit and claims, and this aspect includes its equivalents. In addition, if the technical feature is not described as essential in the present specification, it may be deleted as appropriate.

1 Electronic payment system 2 1st terminal device 3 2nd terminal device 4 Information processing device 5 Acquisition unit 6 Payment amount determination unit 7 Payment processing unit 8 Amount management unit 11 Electronic payment system 12 Terminal equipment 13 Server 14 Admission reception terminal 14a Two-dimensional Code reader 14b Wristband ID reader 15 Payment terminal 16 Wristband 17 Event venue 18 Credit inquiry / payment system 19 Communication network 21 Communication unit 23 Operation display unit 31 Communication unit 41 Communication unit 42 Operation display unit 43 Reading unit 51 Storage unit 61 Communication Department 62 Control Department 63 User Information Registration Department 64 Relationship Department 65 Acquisition Department 66 Payment Amount Determination Department 67 Payment Processing Department 68 Amount Management Department 70 Storage Department 71 User Information Management Table 72 Credit Card Payment Information Management Table 73 Postpaid Management Table 74 Admission Permission information management table 75 User ID / wristband ID related table 76 Product information management table 77 Payment history management table

Claims (5)

Multiple first terminal devices that hold individual identification information,
A second terminal device that can hold product information and read the individual identification information from the first terminal device,
An information processing device that stores user information associated with the individual identification information, and
An electronic payment system that includes
An acquisition unit that acquires a plurality of the individual identification information related to the purchase of the product, and
A payment amount determination unit that determines the payment amount for each user associated with the individual identification information based on the purchase price of the product and the number of the individual identification information acquired.
A payment processing unit that performs payment processing for each user based on the payment amount determined by the payment amount determination unit,
An electronic payment system characterized by being equipped with. The payment amount determination unit is set in the second terminal device, the number of the individual identification information acquired in the predetermined mode, the number of the individual identification information acquired in the predetermined time, or the second terminal device. The electronic payment system according to claim 1, wherein the number is used as a divisor used in the process of determining the payment amount. The electronic payment system further
Amount of money for managing the total amount of products that have not been settled for each user associated with the individual identification information and the usable amount obtained by subtracting the total amount from the upper limit amount associated with the user's information. With management department,
The electronic payment system according to claim 1 or 2, wherein it is determined whether or not the payment amount determined by the payment amount determination unit is within the usable amount. An information processing device that can read the individual identification information from the first terminal device that holds the individual identification information and can communicate with the second terminal device that holds the product information.
A storage unit that stores user information associated with the individual identification information, and
An acquisition unit that acquires the purchase price of the product and a plurality of the individual identification information related to the purchase of the product from the second terminal device.
A payment amount determination unit that determines the payment amount for each user associated with the individual identification information based on the purchase amount and the number of the individual identification information acquired.
A payment processing unit that performs payment processing for each user based on the payment amount determined by the payment amount determination unit.
An information processing device characterized by being equipped with. An information processing device capable of reading the individual identification information from the first terminal device holding the individual identification information and communicating with the second terminal device holding the product information.
A storage process for storing user information associated with the individual identification information, and
An acquisition process for acquiring the purchase price of the product and a plurality of the individual identification information related to the purchase of the product from the second terminal device.
A payment amount determination process for determining a payment amount for each user associated with the individual identification information based on the purchase amount and the number of the individual identification information acquired.
A payment process that performs payment processing for each user based on the payment amount determined by the payment amount determination process,
An electronic payment program that runs.