JP2021057016A - Integrated settlement server, terminal program, server program and settlement processing method - Google Patents

Abstract

To provide an integrated settlement server, a terminal program, a server program and a settlement processing method that can reduce time and effort of utilization thereof, when a customer utilizes electronic settlement means respectively provided by a plurality of business operators performing selling of commodities in a shop or the like.SOLUTION: An integrated settlement server 100 comprises: an output information generation unit that generates electronic settlement means output information which indicates a plurality of pieces of electronic settlement means corresponding to a user, referring to a first storage unit that stores user settlement means correspondence information; a transmission unit that transmits electronic settlement means output information to a user terminal in order to make the user select the electronic settlement means; a settlement means reception unit that receives selection of the electronic settlement means utilized by the user; a request reception unit that receives a settlement request of payment from the user terminal or a shop terminal in the shop when the user pays payment generated by commodity sales or service provision for the shop; and a settlement processing unit that performs processing for settling payment using the selected electronic settlement means according to the settlement request.SELECTED DRAWING: Figure 4

Description

The present invention relates to an integrated payment server, a terminal program, a server program, and a payment processing method.

A business operator that sells products or provides services to a customer (hereinafter referred to as "product sales, etc.") provides a unique electronic payment method using the customer's terminal for commercial transactions between the customer and the store. There is a form.

In a business operator having the above-mentioned form, a customer can acquire payment data related to the customer by using the above-mentioned electronic payment means with his / her own terminal. In addition, the business operator taking the above-mentioned form distributes coupons that can be used at the store to each customer through this application by having the customer's terminal install the above-mentioned application dedicated to the electronic payment method. In addition, it is possible to notify the sale information of the product at the store.

In Patent Document 1 below, the customer / product / purchase management system of a store communicates with the customer's mobile terminal, customer information is registered in the store management system, and the customer's mobile terminal is used from the store management system. A comprehensive customer / product management system that provides a mobile site containing product information is disclosed. According to this comprehensive customer / product management system, the customer's pre-purchase purchasing trends can be grasped based on the access status to this mobile site, and products such as daily menus and time services of products in stores can be grasped through this mobile site. Information can be provided to customers.

Japanese Unexamined Patent Publication No. 2007-241351

However, with respect to businesses that take the above-mentioned form, the electronic payment methods that can be used at each store differ depending on the business to which the store belongs. For this reason, for customers, when using the electronic payment method of the business operator to which the store belongs to pay the price to the store, the customer installs an application dedicated to the electronic payment method of each business operator on the terminal or sets for use. There is a problem that it takes time and effort to use it.

Therefore, in view of the above problems, the present invention can reduce the time and effort of using electronic payment means provided by a plurality of businesses that sell products at stores. It is an object of the present invention to provide a server, a terminal program, a server program, and a payment processing method.

The integrated payment server according to one aspect of the present invention stores user payment means correspondence information indicating the correspondence between the user and the electronic payment means of each of a plurality of businesses having stores that sell products or provide services to the user. An output information generation unit that generates output information of electronic payment means indicating a plurality of electronic payment means corresponding to the user, and an electronic payment means used by the user among the plurality of electronic payment means, with reference to the first storage unit. A transmission unit that transmits electronic payment means output information to the user terminal of the user in order to make a selection, and a payment means reception unit that accepts the selection of the electronic payment method used by the user from the user terminal from the user terminal. A request reception unit that accepts payment requests from the user terminal or the store terminal at the store when the user pays the price generated by selling goods or providing services to the store, and an electronic payment method selected according to the payment request. It is provided with a payment processing unit that performs processing for making payments in.

The terminal program according to one aspect of the present invention is a user payment that indicates to the computer of the user terminal used by the user the correspondence between the user and the electronic payment means of each of a plurality of businesses that sell products or provide services to the user. A user output information generation function for generating electronic payment means output information indicating a plurality of electronic payment means corresponding to a user by referring to a user storage function for storing means association information, and a user output information generation function for a plurality of electronic payment means from the user. Of these, the user payment method reception function that accepts the selection of the electronic payment method used by the user, and the payment request for payment by the selected electronic payment method when the user pays the price generated by selling goods or providing services to the store It realizes a payment request generation function to be generated and a user transmission function to send the generated payment request to an integrated payment server that performs processing for payment payment by a selected electronic payment means.

The server program according to one aspect of the present invention is a user payment means that shows a correspondence relationship between a user and electronic payment means of each of a plurality of businesses having stores that sell products or provide services to the user on the computer of the server. An output information generation function for generating output information of an electronic payment means indicating a plurality of electronic payment means corresponding to the user by referring to the first storage function for storing the correspondence information, and an output information generation function used by the user among the plurality of electronic payment means. A transmission function that sends electronic payment means output information to the user's user terminal in order to select an electronic payment means, and a payment means that accepts the selection of an electronic payment method to be used by the user from a plurality of electronic payment means from the user terminal. It is selected according to the reception function, the request reception function that accepts the payment request from the user terminal or the store terminal at the store when paying the price generated by the user selling goods or providing services to the store, and the payment request. It realizes a payment processing function that performs processing for payment payment by electronic payment means.

In the payment processing method according to one aspect of the present invention, the computer of the server indicates the correspondence between the user and the electronic payment means of each of a plurality of businesses having stores that sell products or provide services to the user. By referring to the first storage function for storing the means correspondence information, the electronic payment means output information indicating a plurality of electronic payment means corresponding to the user is generated, and the electronic payment means used by the user among the plurality of electronic payment means is selected. In order to make a selection, electronic payment means output information is transmitted to the user terminal of the user, the user terminal accepts the selection of the electronic payment method used by the user from among a plurality of electronic payment means, and the user sells products or services to the store. When paying the price generated by the provision, a payment payment request is received from the user terminal or the store terminal in the store, and the payment is settled by the selected electronic payment means in response to the payment request.

According to the above aspect, the integrated payment server can collectively provide a user who is a customer with electronic payment means for each of a plurality of businesses having stores that sell products or provide services. Therefore, in order to use the electronic payment means of each of the above-mentioned plurality of businesses, the user can reduce the trouble of installing each application on his / her own terminal and making settings for use. ..

According to the present invention, when a customer uses an electronic payment means provided by a plurality of businesses that sell products at a store, an integrated payment server, a terminal program, and a terminal program that can reduce the trouble of using the electronic payment means. A server program and a payment processing method can be provided.

It is a figure for demonstrating the system configuration example of the integrated payment system which concerns on this Embodiment. It is a figure for demonstrating the outline of the integrated payment system which concerns on this Embodiment. It is a figure for demonstrating the outline of the integrated payment system which concerns on this Embodiment. It is a figure which shows an example of the functional structure of the integrated payment server which concerns on this embodiment. It is a figure which shows an example of the functional structure of the user terminal which concerns on this embodiment. It is a figure which shows the screen example of the integrated payment system which concerns on this embodiment. It is a figure which shows the screen example of the integrated payment system which concerns on this embodiment. It is a figure which shows the screen example of the integrated payment system which concerns on this embodiment. It is a figure which shows the data structure example of the integrated payment system which concerns on this embodiment. It is a figure which shows the data structure example of the integrated payment system which concerns on this embodiment. It is a figure which shows the data structure example of the integrated payment system which concerns on this embodiment. It is a figure which shows the operation example of the integrated payment system which concerns on this embodiment. It is a figure which shows the operation example of the integrated payment system which concerns on this embodiment. It is a figure which shows an example of the hardware configuration of the user terminal and the integrated payment server which concerns on this embodiment.

A preferred embodiment of the present invention (hereinafter referred to as “the present embodiment”) will be described with reference to the accompanying drawings. In each figure, those having the same reference numerals have the same or similar configurations.

In the present embodiment, the "part", "means", "device", and "system" do not simply mean physical means, but the "part", "means", "device", and "system". Including the case where the function of is realized by software. Further, even if the functions of one "part", "means", "device", or "system" are realized by two or more physical means or devices, two or more "parts" or "means", The functions of "device" and "system" may be realized by one physical means or device.

<1. Overview>
In the present embodiment, a consortium composed of a plurality of businesses belonging to the healthcare industry (hereinafter, also referred to as "healthcare consortium") provides electronic services of these businesses to customers common to these businesses. An example of providing a service that integrates payment means (hereinafter, also referred to as “integrated payment service”) will be described. Further, in the present embodiment, an example in which the healthcare consortium uses the integrated payment system 1 according to the present embodiment in providing the integrated payment service to a common customer will be described. It should be noted that these explanations are not limited to the above examples.

Regarding the application of the integrated payment system 1 according to the present embodiment, the plurality of business operators to be integrated with the electronic payment means may be, for example, a plurality of business operators belonging to a specific industry other than the healthcare industry. , It may be a plurality of businesses having a common purpose, policy, etc. even if they do not belong to a common industry.

The business operator (hereinafter, also simply referred to as “business operator”) according to the present embodiment belongs to the healthcare consortium, and for each customer, the user of the integrated payment system 1 (hereinafter, simply referred to as “user”). Has a store that sells products or provides services.

<1-1. System configuration>
A system configuration example of the integrated payment system 1 will be described with reference to FIG.

The integrated payment system 1 is a system for providing an integrated payment service to a user. As shown in FIG. 1, the integrated payment system 1 includes an integrated payment server 100, a user terminal 200 used by a user, a first operator server 400a owned by a first operator, and a second operator owned by a second operator. The business server 400b, the first store terminal 300a of the first store owned by the first business, and the second store terminal 300b of the second store owned by the second business are included.

The first business server 400a and the second business server 400b are one aspect of the business server, and are collectively referred to as "business server 400" when there is no particular need to distinguish them. Further, the first store terminal 300a and the second store terminal 300b are one aspect of the store terminal, and are collectively referred to as "store terminal 300" when there is no particular need to distinguish them. Further, the first store and the second store are collectively referred to as a "store" when there is no particular need to distinguish them.

The integrated payment server 100, the user terminal 200, and the business server 400 are connected to each other via the network N. Further, the business server 400 and the store terminal 300 are connected to each other via the network N1 or the network N2 originally constructed by the business. Further, at least one of the integrated payment server and the user terminal 200 is connected to the external device 500 of the external system 5 that provides the healthcare service via the network N1 in order to acquire the healthcare data of the user.

The network N1 or N2 is composed of a wireless network or a wired network. Examples of networks include mobile phone networks, PHS (Personal Handy-phone System) networks, wireless LAN (Local Area Network), 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), and 5G (4th Generation). 5th Generation), WiMax (registered trademark), infrared communication, Bluetooth (registered trademark), wired LAN, telephone line, power line network, IEEE1394 compliant network, etc.

"Healthcare data" is data related to the user's health care. The healthcare data includes, for example, at least one of physical data indicating the physical condition of the user, activity data indicating the amount of activity of the user, and meal data indicating the meal ingested by the user. The physical data includes, for example, the user's "weight", "height", "body fat percentage", "body temperature", "blood pressure", "heart rate", "body age", "sleep data", or the medical examination received by the user. It may include health examination result information and the like showing the result of. The activity data may include, for example, the user's "steps", "calories burned", "distance traveled", etc. per predetermined period. The meal data may include, for example, a "food name" indicating the food eaten by the user, an image of the meal, "nutrient intake" for each meal, "calorie intake" for each meal, and the like.

The integrated payment server 100 is an information processing device capable of communicating with a user terminal 200, a business server 400, and an external system 5 and integrating electronic payment means of each of a plurality of business operators. By executing a predetermined program, the integrated payment server 100 cooperates with the user terminal 200 to settle the payment of the price generated by selling the product or providing the service from the store to the user (hereinafter, simply "payment settlement"). Or, a server function that controls the process for making a payment) is realized.

The user terminal 200 is a terminal device such as a smartphone or a laptop terminal capable of inputting a payment request from a user and communicating with the integrated payment server 100. By executing a predetermined program, the user terminal 200 cooperates with the integrated payment server 100 to send and receive information related to payment, display a screen related to payment, and accept a user's request.

The store terminal 300 is a terminal device for payment settlement installed in a store owned by a business operator. The store terminal 300 is, for example, a POS cash register terminal, a tablet terminal, a handy terminal, or the like having a barcode reader function.

Even if the store terminal 300 has a POS cash register function such as accepting input of goods or services (hereinafter, also referred to as "goods, etc.") and calculating the total amount (payment amount) of the received goods, etc. Good. Further, the store terminal 300 may realize the above-mentioned POS cash register function by installing a native application program (hereinafter, referred to as "store integrated payment application") dedicated to the integrated payment system 1 for stores. Specifically, the above-mentioned POS cash register function is realized by the processor 801 of the store terminal 300, which will be described later, executing the integrated payment application for stores. In addition, the store terminal 300 may also be configured as a terminal connected to a POS system that manages information related to sales of products and the like in order to realize the above-mentioned POS cash register function.

The external system 5 is a system for providing a healthcare service to a user. The external system 5 cooperates with the integrated payment server 100 or the user terminal 200 to provide the user's healthcare data to the integrated payment server 100 and the like. The external system 5 includes an external device 500. The external device 500 may be, for example, a measuring device that measures the user's healthcare data. The external device 500 may be, for example, a so-called wearable device that is attached to the user and measures the number of steps, heart rate, etc. of the user.

<1-2. Overview of integrated payment service>
An example of the flow of the integrated payment service (1) to (5) according to the present embodiment will be described with reference to FIG. In this example, for the sake of simplicity, the user terminal 200 is pre-installed with a native application program dedicated to the integrated payment system 1 for users (hereinafter referred to as "user integrated payment application"). And. Further, in this example, in order to simplify the explanation, it is assumed that the code payment using the QR code (registered trademark) registered by the user U as the payment method is associated with the bank transfer by the user U's bank account. To do. Here, "code payment" means cashless payment using a one-dimensional bar code or a two-dimensional bar code (including a QR code).

(1) First, in the integrated payment service, the integrated payment system 1 acquires the healthcare data of the user U from the external system 5 or the user terminal 200.

(2) The integrated payment system 1 grants a privilege to the user U according to the acquired healthcare data. Here, the "privilege" is, for example, points (in this example, "miles") or electronic coupons that can be used at each store of the business operator. Further, the "miles" referred to here may be exchanged for electronic coupons or the like, and in this example, the first store S1 owned by the first business operator (in this example, "drugstore B1"). It shall be exchanged for an available electronic coupon C (a discount coupon that discounts the price of the product by 10%). For example, when the number of steps per day of a user exceeds a predetermined threshold value, the integrated payment system 1 grants a preset amount of miles (in this example, described as "500 miles") to the user.

(3-1) First, the user U uses the integrated payment service when purchasing a product at the first store S1. Specifically, the user U activates the user integrated payment application of the user terminal 200, and the payment means selection screen A4 (including the electronic payment means of each of the plurality of businesses including the drugstore B1 to which the first store S1 belongs) ( (See FIG. 7A, which will be described later) is displayed.

(4-1) The user U selects the electronic payment means of the drugstore B1 from the plurality of electronic payment means displayed on the payment means selection screen A4. When the integrated payment system 1 accepts the selection, the payment method for the pre-registered product in the selected electronic payment means (in this example, "user-presented type (CPM (Consumer-Present-Mode))". ), The first QR code is generated in order to settle the payment by the "code payment using the first QR code"). The integrated payment system 1 displays the generated first QR code on the code payment screen A5 (see FIG. 7B described later) of the user terminal 200.

(5-1) The user U causes the first store terminal 300a to read the first QR code displayed on the code payment screen A5 of the user terminal 200 when paying the price of the product at the first store S1. Further, the user U can use the electronic coupon C to discount the price of the product by 10% when paying the price of the product at the first store S1. The first store terminal 300a transmits a payment request for payment settlement including the first code information of the read first QR code to the integrated payment server 100. When the integrated payment server 100 receives the payment request, the integrated payment server 100 performs a process for settling the payment of the price of the product. Specifically, the integrated payment server 100 is owned by a business operator (hereinafter referred to as "payment business operator") that provides an integrated payment service to the bank server of the corresponding bank with the bank account of user U as the transfer source. Specify the bank account to be used as the transfer destination and instruct the transfer process.

(3-2) Next, the user U uses the integrated payment service when receiving the service (service) at the second store S2. Specifically, the user U activates the user integrated payment application of the user terminal 200, and uses the electronic payment means of the second business operator (in this example, "health cafe B2") to which the second store S2 belongs. Display the payment method selection screen A4 including.

(4-2) The user U selects the electronic payment means of the health cafe B2 from the plurality of electronic payment means displayed on the payment means selection screen A4. When the integrated payment system 1 accepts the selection, the payment method for the pre-registered product in the selected electronic payment means (in this example, "store presentation type (MPM (Merchant-Present-Mode))). The second QR code is generated in order to make a payment by "code payment using the second QR code"). The integrated payment system 1 displays the generated second QR code on the screen of the second store terminal 300b.

(5-2) The user U causes the user terminal 200 to read the second QR code displayed on the screen of the second store terminal 300b when paying for the service at the second store S2. The user terminal 200 transmits a payment request for payment settlement including the second code information of the read second QR code to the integrated payment server 100. Upon receiving this payment request, the integrated payment server 100 performs a process for settling the payment for the service. Specifically, the integrated settlement server 100 instructs the bank server of the corresponding bank to process the transfer by designating the bank account of the user U as the transfer source and the bank account held by the settlement company as the transfer destination. ..

According to the above configuration, the integrated payment system 1 can collectively provide the user U with electronic payment means for each of the drug store B1 and the health cafe B2, which have stores that sell products or provide services. Therefore, the user U does not need to install and set each application on the user terminal 200 in order to use the electronic payment means of each of the drugstore B1 and the health cafe B2, and installs and sets the integrated payment application for the user. All you have to do is do it. Therefore, the integrated payment system 1 can reduce the time and effort of the user U when the user U uses the electronic payment means of each of the drugstore B1 and the health cafe B2.

<1-3. Overview of integrated payment system>
With reference to FIG. 3, the outline of the functions related to the combination of the payment data and the sales data and the provision to the business operator in the integrated payment system 1 will be described. The integrated payment system 1 combines the payment data managed by the business operator with the sales data managed by the business operator, and provides the combined data (hereinafter referred to as "settlement sales combined data"). Has a function to do.

(1) First, the processing performed by the integrated payment system 1 during the day will be described. At the store of the business operator, the clerk handles the cash register when selling the product to the user. (2) At the time of handling this cash register, after inputting information for payment (for example, product service information described later) into the store terminal 300, the first identification code (QR code) displayed on the user terminal 200 is input. read.

(3) When the store terminal 300 makes a payment request to the integrated payment server 100 based on the information read from the first identification code, the integrated payment server 100 performs a process for payment settlement by bank transfer or the like. At this time, the integrated payment server 100 generates payment data indicating the processed payment. (4) When the processing is completed, the integrated payment server 100 notifies the user terminal 200 and the store terminal 300 of the payment result. (5) The user confirms the notified payment result. (6) At the store, the clerk handles the cash register based on the notified payment result. (7) The user receives the receipt issued from the store terminal 300 from the store clerk.

(8) Next, the processing performed by the integrated payment system 1 at night will be described. The business server 400 generates sales data indicating sales of goods made during the daytime. (9) The integrated payment server 100 acquires the generated sales data from the business server 400. (10) The integrated settlement server 100 combines the settlement data and the sales data with the settlement date and time, the sales date and time, and the like as a combination condition. (11) The integrated payment server 100 provides the combined data (settlement sales combined data) to the business server 400.

<2. Functional configuration>
<2-1. Functional configuration of integrated payment server ＞
The functional configuration of the integrated payment server 100 according to the present embodiment will be described with reference to FIG. As shown in FIG. 4, the integrated payment server 100 includes a control unit 110, a communication unit 130, and a storage unit 140.

The control unit 110 includes an output information generation unit 111, a payment means reception unit 112, a request reception unit 113, and a payment processing unit 114. Further, the control unit 110 includes, for example, a registration reception unit 115, a code generation unit 116, a sales data acquisition unit 117, a data combination unit 118, a data provision unit 119, a healthcare data acquisition unit 120, or a privilege giving unit 121. May be good. Further, the control unit 110 may include a measurement unit (not shown) that measures the position information (latitude and longitude) of the current position of the user terminal 200 by using, for example, GPS (Global Positioning System).

The output information generation unit 111 generates electronic payment means output information with reference to the first storage unit 141 that stores the user payment means correspondence information. Here, the "user payment means correspondence information" is information indicating the correspondence relationship between the user and the electronic payment means of each of a plurality of businesses having stores that sell products or provide services to the user. The user payment means correspondence information identifies, for example, "user identification information (hereinafter referred to as" user ID ")" for identifying a user and an electronic payment means for each business operator that can be used by the user of the user ID. It is a record of a table or a file associated with "electronic payment means identification information (hereinafter, referred to as" electronic payment means ID ")". In this association, the relationship between the user ID and the electronic payment means ID is 1 to N or N to N (a number of N: 1 or more). Further, the user payment means correspondence information may be information that associates the user information with the electronic payment means information. Further, the above-mentioned correspondence relationship between the user and the electronic payment means in the user payment means correspondence information can be changed. For example, when a designation for newly adding an electronic payment means is received from the user terminal 200, the control unit 110 may update the user payment means correspondence information so that the user is newly associated with the designated electronic payment means. ..

"User information" is information about a user. The user information includes, for example, "user ID", "name" indicating the user's name, "account identification information (hereinafter referred to as" account ID "or" account number ")" for identifying the account held by the user, and the like. including. The user information may include, for example, the user's "nickname", "gender", "date of birth", and body shape data (height, weight, abdominal circumference, waist, hips, or foot size, etc.) representing each user's body shape. Good.

The user ID may be issued by the control unit 110 at the time of new user registration for the user to use the integrated payment system 1 so that the user can be uniquely identified in the integrated payment system 1. Further, the user ID may be issued as a different ID system for each business operator. Hereinafter, the user ID issued as a separate ID system for each business operator is referred to as a "business operator user ID", and the user ID used as the master in the integrated payment system 1 is referred to as a "master user ID". Further, the business operator user ID may be issued as an ID system of the business operator of the electronic payment means when a new electronic payment means is added to the user.

Specifically, the user ID includes a master user ID, a business user ID for the first business operator (hereinafter, also referred to as "first business operator user ID"), and a second business operator for the second business operator. The user ID (hereinafter, also referred to as “second business user ID”) may be a separate ID system. Further, the control unit 110 may register the master user ID and the first business operator user ID in association with each other, and may also register the master user ID and the second business operator user ID in association with each other. In this correspondence, the relationship between the master user ID and the business user ID is a one-to-N (N: 1 or more number) relationship. As described above, the first business operator user ID and the second business operator user ID may not be directly associated with each other, but may be indirectly associated with each other only via the master user ID.

For example, the control unit 110 may acquire information (hereinafter, referred to as "business customer ID") for identifying a user who is also a customer of the business operator issued and managed by the business operator from the business operator server 400. Good. Further, the control unit 110 may acquire the business operator customer ID of the user in the business operator of the electronic payment means, for example, when a new electronic payment means is added to the user. Further, the control unit 110 may register the business operator user ID and the business operator customer ID in association with each other, for example, for each business operator. In this association, the relationship between the business user ID and the business customer ID is a one-to-0 or one-to-one relationship. For example, the control unit 110 may store the user ID business customer ID correspondence information indicating the correspondence relationship between the business user ID and the business customer ID in the storage unit 140.

According to the above configuration, the business customer ID issued and managed by the business can be indirectly associated with the master user ID via the business user ID. Therefore, according to the above configuration, when providing user information to a plurality of businesses, a business operator corresponding to the business operator user ID of the business operator of the providing destination business operator instead of information that can identify an individual user such as a user name. By using the customer ID, it is possible to conceal the same user among the businesses.

"Electronic payment method information" is information indicating an electronic payment method for each business operator. The electronic payment method information includes, for example, "business identification information (hereinafter referred to as" business ID ")" for identifying the corresponding business operator, "business operator name" indicating the name of the business operator, and a common name of the business operator. It may include "business operator common name" indicating the above, logo image data indicating the business operator logo, payment method information indicating the payment method registered by the registration reception unit 115 described later, and the like. Further, the "electronic payment means output information" is information indicating a plurality of electronic payment means corresponding to the user. The electronic payment means output information may be, for example, a screen that displays a list of "electronic payment means names (for example," business operator common name "+" Pay ", etc.)" indicating the plurality of electronic payment means.

For the electronic payment output information, for example, the electronic payment means to be output is preferentially output to the electronic payment means of a business operator that is close to the user's current position or has a store including the user's current position based on the position information of the user terminal 200. (For example, sort display in list display) may be used. According to such a configuration, the electronic payment output information can preferentially output an electronic payment means that is convenient for the user.

The output information generation unit 111 may generate usage detail output information based on the settlement data by referring to, for example, the second storage unit 142 that stores the industry information. Here, the "industry information" is information indicating the industry of the business operator. Further, here, the "usage detail output information" is information for outputting the usage details of the settlement in the settlement processing unit 114 for each user. Further, the usage statement output information may be output-adjustable for each type of business of the business operator, for example. The term "output adjustable" as used herein means, for example, that in the case of screen display, the display content may be switched to the display content filtered for each business type of the business operator.

The "usage statement" is a statement indicating the use of the integrated settlement service in the payment settlement of the price at the store. The usage details include, for example, a "payment ID" for identifying each payment, a "settlement date and time" indicating the date and time when each payment was made, a "store name" indicating the store where each payment was made, and each payment line. Includes "business name", "payment amount", etc., which indicate the business to which the store belongs.

According to the above configuration, the output information generation unit 111 can output only the usage details related to the business operator of the industry that the user wants to output.

The output information generation unit 111 may generate the settlement product service association output information based on the usage details information and the settlement sales combined data with reference to, for example, the third storage unit 143 that stores the product service information. Here, the "commodity / service information" is information indicating the contents of the goods sold by the business operator or the services provided by the business operator. The product / service information includes, for example, "product / service identification information (hereinafter referred to as" product / service ID ")," product name "or" service name "," price "of the product or service, and product" for identifying the product or service. Alternatively, the service "category", the "size" of the product, the "color" of the product, the "brand name" indicating the brand of the manufacturer of the product, and the like may be included. Further, here, the "settlement product / service association output information" is information for outputting the settlement usage details and the contents of the product or service in association with each other.

According to the above configuration, when paying the price of a product or the like at a store, the user can confirm the information of the product or the like associated with the use of the settlement of the payment on the user terminal 200.

The payment means reception unit 112 receives the selection of the electronic payment means used by the user from the plurality of electronic payment means from the user terminal 200. The mode in which the payment means reception unit 112 accepts the selection of the electronic payment means from the user terminal 200 may be any mode, for example, it may be accepted via the integrated payment application for users installed in the user terminal 200.

The request reception unit 113 receives a payment request for the payment from the user terminal 200 or the store terminal 300 when the user pays the price generated by selling the product or providing the service to the store. The mode in which the request receiving unit 113 receives the payment request from the user terminal 200 or the store terminal 300 may be any mode, and for example, a message indicating the payment request is received from the user terminal 200 or the like via the communication unit 130. You may.

The request receiving unit 113 may, for example, receive a payment request from the store terminal 300 including the business ID of the first identification code described later, which is output from the user terminal 200 and read by the store terminal 300.

The request receiving unit 113 may, for example, receive a payment request from the user terminal 200 including the business ID of the second identification code read from the store terminal 300 by the user terminal 200. Here, the "second identification code" is a one-dimensional bar code or a two-dimensional bar code for performing MPM-type code payment when the user pays for a product or the like to a store. The second identification code is an identification code generated by the store terminal 300, and is a "business ID" for identifying the business operator to which the store belongs and "payment identification information (hereinafter," payment ") for identifying payment settlement. ID ")" is included.

The payment processing unit 114 performs a process for making a payment by an electronic payment means selected by the user in response to the payment request received by the request receiving unit 113. For example, when the selected electronic payment means uses payment by bank transfer, the payment processing unit 114 instructs the bank server of the destination bank to process the bank transfer. Further, the payment processing unit 114 instructs the corresponding credit card system to perform credit card payment processing, for example, when the selected electronic payment means uses payment by credit card payment.

According to the above configuration, when a user uses an electronic payment method provided by a plurality of businesses for purchasing a product or the like at a store, the user selects and setstle the electronic payment method for payment of the price of the product or the like. If requested, the payment can be settled. Therefore, when using the electronic payment means provided by the plurality of businesses, the user does not need to install the application for each business, and the time and effort for using the application can be reduced.

For example, the payment processing unit 114 setstles the payment by the payment method and the authentication information registered in the registration reception unit 115 in the electronic payment means selected by the user in response to the payment request received by the request reception unit 113. You may perform the processing for.

According to the above configuration, when a payment request is made, the payment processing unit 114 can smoothly settle the payment by using a pre-registered payment method or the like in the electronic payment means selected by the user. it can. Therefore, according to the above configuration, the payment processing unit 114 can provide a payment service that is easy for the user to use.

In the payment processing unit 114, for example, the business operator indicated by the business operator identification information of the first identification code included in the payment request received by the request reception unit 113 matches the business operator to which the store requesting the payment request belongs. In that case, processing for settlement of payment by code settlement may be performed. The settlement processing unit 114 may refer to the store information when determining whether or not the businesses match. Here, the "store information" is information indicating each store, for example, "store identification information (hereinafter referred to as" store ID ")" for identifying a store, "store name" indicating a store, or a store. It may include a "business ID" or the like indicating a business to which the company belongs.

According to the above configuration, the payment processing unit 114 sets the payment destination store and the electronic selected by the user when the user pays the price of the product or the like to the store by using the CPM method code payment. Consistency with payment means can be achieved.

When the payment processing unit 114 matches, for example, the business indicated by the business ID of the second identification code included in the payment request received by the request reception unit 113 and the business of the electronic payment means selected from the user. Processing for settlement of payment by code settlement may be performed.

According to the above configuration, the payment processing unit 114 uses the MPM method code payment to settle the payment, and when the user pays the price of the product or the like to the store, the payment destination store and the electronic selected by the user. Consistency with payment means can be achieved.

The payment processing unit 114 may generate payment data for the payment, for example, when the processing for making the payment is performed. Here, the "payment data" is data indicating the contents of the payment of the payment processed by the payment processing unit 114. The payment data includes, for example, a "user ID" indicating the user who made the payment, a "product / service ID" indicating the product or service to be settled, a "quantity" indicating the quantity of the product or service to be settled, and the corresponding settlement. "Payment date and time information" indicating the date and time of payment, "payment amount", "store ID" for identifying the store where the corresponding payment was made, and "terminal number" indicating the store terminal 300 where the corresponding payment was made. May be included. The payment data may include, for example, anonymously processed user information. The settlement date / time information may include, for example, the date when the corresponding settlement was made, and may further include information up to any of the hours, minutes, and seconds.

The registration reception unit 115 accepts registration of payment methods and authentication information that can be used by the user from the user terminal 200. The registration reception unit 115 may, for example, accept the registration of the payment method and the authentication information for each of the electronic payment means corresponding to the user. Here, the "payment method that can be used by the user" is, for example, card payment by credit card or debit card, payment by bank transfer, cardless payment, payment by prepaid account, electronic money (including virtual currency). Various methods such as payment can be considered. Further, the payment method of the price that can be used by the user may be a method by code payment associated with the above-mentioned card payment, bank transfer payment, or the like. The registration reception unit 115 may accept registration of account management information necessary for using the payment method in addition to registration of a payment method that can be used by the user.

"Authentication information" is information for receiving user authentication when using the above payment method. The authentication information may include, for example, an "account ID" for identifying a user account and a "password" for the user account.

"Account management information" is information for managing various accounts. The account management information includes, for example, an "account ID", a "user name", a "date of birth" indicating the date of birth of the user, an "address" indicating the E-mail address of the user, a "phone number" of the user, and the like. Includes "account balance" indicating the account balance or "deposit / withdrawal history" indicating the deposit / withdrawal history of the account. Further, the account management information may include, for example, authentication information for accessing the account information of the user's account.

When the payment method registered by the registration reception unit 115 is a code payment method using the first identification code, the code generation unit 116 first identifies when the payment means reception unit 112 accepts the selection of the electronic payment method. Generate code. Here, the "first identification code" is a one-dimensional bar code or a two-dimensional bar code for performing CPM-type code payment when the user pays for a product or the like to a store. The first identification code includes a "business operator ID" for identifying a business operator in an electronic payment means selected by a user, and a "payment ID" for identifying a payment settlement.

The sales data acquisition unit 117 acquires sales data from the business server 400 of the business to which the store to which the payment has been made belongs. The mode in which the sales data acquisition unit 117 acquires the sales data may be any mode, and for example, the data file of the sales data may be received from the business operator server 400. Further, as another example, the sales data acquisition unit 117 may remotely access the business server 400 to acquire the sales data data file, or the business server 400 implements the mode. You may instruct the API to refer to the sales data and acquire the sales data as a result.

"Sales data" is data showing the contents of sales by a business operator selling goods or providing services at a store. The sales data includes, for example, "sales date / time information" and "sales amount" indicating the date and time of sales due to payment at the above store, "store ID" indicating the corresponding store, and "terminal number" indicating the corresponding store terminal 300. May include. In addition, the sales data may include product / service identification information for identifying the product or service to be sold. The sales date / time information may include, for example, the date when the corresponding sales were made, and may further include information up to any of the hours, minutes, and seconds.

The data combination unit 118 combines the settlement data and the sales data by using the settlement date / time information and the sales date / time information, the settlement amount and the sales amount, and the store ID as keys to generate the settlement sales combination data. Further, the data combining unit 118 may further combine the settlement data and the sales data by further including the terminal numbers of the settlement data and the sales data in the key. The data combination unit 118 may combine the settlement data and the sales data, for example, when the key information satisfies a predetermined combination condition. The mode in which the data binding unit 118 combines the settlement data and the sales data may be any mode, and for example, a mode such as a simple join, an inner join, or an outer join may be appropriately used. Further, the "predetermined combination condition" referred to here may mean, for example, that the respective values completely match or partially match in the collation of the information as the key. Further, the predetermined binding conditions may be such that the respective values substantially match in a form in which the fluctuation is absorbed, in a form in which the value is rounded, or in a form in which the value has a range. For example, the data combining unit 118 may determine whether or not the settlement date and time information and the sales date and time information do not exactly match, but whether or not the respective values have a range of plus or minus one minute and substantially match. Good. The data combining unit 118 may combine the settlement data and the sales data when the settlement date / time information and the sales date / time information substantially match.

The data providing unit 119 provides the settlement sales combined data to the business server 400. The form in which the data providing unit 119 provides the settlement sales combined data may be any embodiment, for example, the data file of the settlement sales combined data may be transmitted to the business server 400, or the settlement sales combined data may be provided as a business. An API for referencing the person server 400 may be implemented. Further, as another example, the data providing unit 119 provides the settlement sales combined data by generating a website showing the settlement sales combined data by the data providing unit 119, and the operator server 400 via the communication unit 130. May be delivered to. The business operator can inquire the settlement sales combined data from this website distributed to the business operator server 400. For example, when a business operator inquires about settlement sales combined data from this website, the data providing unit 119 accepts the business operator customer ID of the business operator, and the business operator user ID corresponding to the accepted business operator customer ID, As a result, the settlement sales combined data regarding the user to which the master user ID is assigned may be provided as the inquiry result.

According to the above configuration, the business operator can obtain the settlement sales combined data. Therefore, according to the above configuration, the business operator cannot identify the user only by the sales data of the store, but by obtaining the settlement sales combined data, the business operator can identify the individual user regarding the sales of the products of the store, or the individual user. It can be specified as a user persona, if not specified. Therefore, according to the above configuration, the business operator can obtain data that contributes to One to One marketing and the like.

The data providing unit 119 may conceal at least a part of the settlement sales combined data when providing the data to the business server 400, for example. Here, "confidentiality" refers to specific characters (for example, an asterisk, the number "9", the symbol "□", etc. for highly confidential information such as personal information shown in the settlement sales combined data. ) May be masked. Further, for concealment, for example, the character string shown in the settlement sales combined data may be converted into a hash value or encrypted. For example, when the data providing unit 119 provides the data to the business operator server 400, the data providing unit 119 may perform anonymous processing so that the individual user is not identified by the providing business operator when concealing the settlement sales combined data. For example, in this anonymous processing, the data providing unit 119 replaces the business operator customer ID or the business operator user ID with information that can identify the individual user (if standing, the user's name, etc.), and for each business operator of the providing destination. It may be used for.

The data providing unit 119 may, for example, provide the settlement sales combined data relating to the user to the operator server 400 of the operator of the electronic payment means associated with the user. That is, the data providing unit 119 may provide the settlement sales combined data to the operator server 400 of each operator by limiting the data to those related to the user to which the electronic payment means of each operator is associated. With such a configuration, the data providing unit 119 can prevent the operator of the electronic payment means that the user does not use from providing the data related to the user, and can provide the user with a highly secure service.

The data providing unit 119 is, for example, at least one of payment data and payment sales combined data related to payment settlement of another business operator set to be provided on the business operator server 400 (hereinafter, also referred to as “payment data or the like”). May be provided. The data providing unit 119 refers to, for example, a storage unit 140 that stores information on the providers that can provide the information, and another business that can provide at least one of the settlement data and the settlement sales combined data related to the payment settlement of each operator. May be provided to the person. Here, the "provable business operator information" is information indicating another business operator that can provide at least one of the settlement data and the settlement sales combined data for each business operator.

For example, the data providing unit 119 refers to the second storage unit 142 that stores the industry information in addition to the provideable business operator information, and obtains at least one of the payment data and the settlement sales combined data related to the payment settlement of each business operator. , May be provided to businesses other than the same industry.

According to the above configuration, the data providing unit 119 can limit the providing destination to a specific other business operator while realizing that the data providing unit 119 provides the business operator with the settlement data and the like of the other business operator. Therefore, according to the above configuration, the data providing unit 119 can control, for example, not to provide payment data or the like between businesses in the same industry.

The data providing unit 119 is, for example, a payment sales combined data related to the user on the business operator server 400 of the business operator of the electronic payment means associated with the user, and is further provided by another business operator. Payment sales combined data related to payment settlement may be provided.

The data providing unit 119 may provide, for example, at least one of user information and user's healthcare data to the operator server 400. Further, the data providing unit 119 may provide, for example, at least one of user information and healthcare data related to the user to the business server 400 of the business of the electronic payment means associated with the user. With such a configuration, the data providing unit 119 can prevent the operator of the electronic payment means that the user does not use from providing the data related to the user, and can provide the user with a highly secure service.

The healthcare data acquisition unit 120 connects to at least one of the external system 5 and the healthcare data recording unit 241 of the user terminal 200 to acquire at least one of the user's healthcare data. The mode in which the healthcare data acquisition unit 120 acquires the healthcare data is the same as the mode in which the sales data acquisition unit 117 acquires the sales data.

When the healthcare data acquired by the healthcare data acquisition unit 120 satisfies a predetermined condition, the privilege granting unit 121 grants the user a privilege that can be used for payment. The predetermined condition may be, for example, a threshold value of the number of steps per day of the user, which is activity data (for example, "3000 steps or more").

The privilege granting unit 121 may grant a privilege to the user's behavior other than the behavior that contributes to the user's health care. For example, the privilege granting unit 121 may also grant the privilege to the behavior that promotes the use of the payment service of the integrated payment system 1. Benefits may be given to the user. The privilege giving unit 121 may give a privilege to the user every time the user activates the user integrated payment application on the user terminal 200, for example. Further, as another example, the privilege granting unit 121 grants a privilege to the user every time the user checks in to a specific place, or every time the first identification code is read or the second identification code is generated. May be good.

The communication unit 130 transmits and receives various information to and from the user terminal 200, the business server 400, the external system 5, and the like via the network N. For example, the communication unit 130 receives a payment request from the user terminal 200 via the network N, or transmits information indicating the processing result of the payment according to the payment request to the user terminal 200. Further, the communication unit 130 includes a transmission unit 131.

The transmission unit 131 transmits the electronic payment means output information to the user terminal 200 in order to select the electronic payment means to be used by the user from among the plurality of electronic payment means. Further, the transmission unit 131 transmits, for example, the first code information indicating the first identification code generated by the code generation unit 116 to the user terminal 200 that has received the selection of the electronic payment means by the payment means reception unit 112. May be good.

For example, the transmission unit 131 may transmit the usage statement output information to the user terminal 200. Further, the transmission unit 131 may transmit, for example, the settlement product service association output information to the user terminal 200.

The storage unit 140 includes a first storage unit 141. Further, the storage unit 140 may include, for example, a second storage unit 142 or a third storage unit 143. The first storage unit 141 stores user payment means correspondence information. The second storage unit 142 stores industry information. The third storage unit 143 stores the product / service information. Further, the storage unit 140 may store, for example, information on the providers that can be provided. The storage unit 140 may store each information by using a database management system (DBMS), or may store the above information by using a file system. When using the DBMS, a table may be provided for each of the above information, and the above information may be managed by associating the tables with each other.

<2-2. Functional configuration of user terminal>
The functional configuration of the user terminal 200 according to the present embodiment will be described with reference to FIG. As shown in FIG. 5, the user terminal 200 includes a control unit 210, a user communication unit 230, a user storage unit 240, an operation input unit 250, and a display output unit 260.

The control unit 210 includes a user output information generation unit 211, a user payment means reception unit 212, and a payment request generation unit 213. These functional units included in the control unit 210 are realized by the processor 801 of the user terminal 200, which will be described later, executing the integrated payment application for users.

The user output information generation unit 211 is described in, for example, the display output unit 260 described later in 3. Output information for outputting various screens shown in screen examples may be generated. Further, the user output information generation unit 211 may have the same function as the output information generation unit 111 of the integrated payment server 100, for example. Specifically, the user output information generation unit 211 may generate the electronic payment means output information by referring to the user storage unit 240 that stores the user payment means association information.

The user payment means reception unit 212 receives from the user the selection of the electronic payment means used by the user from among the plurality of the electronic payment means. The user payment means reception unit 212 accepts the selection of the electronic payment means by the operation input from the user received by the operation input unit 250, which will be described later, on the payment means selection screen A4 displayed on the display output unit 260, for example. The user payment means reception unit 212 transmits a message indicating the electronic payment means that has accepted this selection to the payment means reception unit 112 of the integrated payment server 100 via the user communication unit 230.

The payment request generation unit 213 generates a payment request for requesting the payment settlement from the integrated payment server 100 according to the designation from the user. The payment request generation unit 213 may generate a payment request for payment by an electronic payment means selected by the user, for example, when the user pays the price generated by selling goods or providing services to the store. The payment request generation unit 213 transmits the generated payment request to the integrated payment server 100 via the user transmission unit 231.

The user storage unit 240 stores display information for displaying various screens on the display output unit 260. Further, the user storage unit 240 may store, for example, user information, business operator information, store information, user payment means association information, account management information, first code information, and the like. It should be noted that these information are distributed from the integrated payment server 100 in order to output various screens and the like, and the master data of these information is managed by the storage unit 140 of the integrated payment server 100. The user storage unit 240 may include a healthcare data recording unit 241 that records the user's healthcare data.

The user communication unit 230 transmits and receives various information to and from the integrated payment server 100, an external server, an external system, and the like via the network N. For example, the user communication unit 230 transmits the payment request generated by the payment request generation unit 213 to the integrated payment server 100 via the network N, or receives the processing result of the payment settlement by the payment request from the integrated payment server 100. Or The user communication unit 230 may include a user transmission unit 231. The user transmission unit 231 transmits the payment request generated by the payment request generation unit 213 to the integrated payment server that performs processing for payment payment by the electronic payment means selected by the user.

The operation input unit 250 receives a user's operation input for various screens displayed on the display output unit 260. The operation input unit 250 transmits the reception result to the control unit 210.

The display output unit 260 displays various screens such as a home screen, an activity data screen, a coupon screen, a code payment screen, a usage statement inquiry screen, and a purchased product inquiry screen.

<3. Screen example>
A screen example of the integrated payment system 1 will be described with reference to FIGS. 6 to 8.

As shown in FIG. 6A, the home screen A1 is a screen that is first displayed when the user logs in to the integrated payment system 1 via the integrated payment application. The home screen A1 is for displaying, for example, a total owned mileage display area a11 showing the total amount of benefits owned by the user (referred to as "miles" in this example) and an activity data screen A2 for displaying the user's activity data. Activity data screen display button a12, a meal data screen display button a13 for displaying a meal data screen (not shown) for displaying the user's meal data, and a body data screen (not shown) for displaying the user's body data. A physical data screen display button a14 for displaying the above, and a coupon list display area a15 showing a list of coupons that can be exchanged for miles held by the user are included. When the activity data screen display button a12 is pressed, the screen transitions to the activity data screen A2. When the button of each coupon displayed in the coupon list display area a15 is designated (pressed), the screen transitions to the coupon screen A3 for displaying the contents of the designated coupon.

As shown in FIG. 6B, the activity data screen A2 displays the activity data of the user. As shown in FIG. 6C, the coupon screen A3 displays the contents of the coupon specified from the above coupon list.

As shown in FIG. 7A, the payment means selection screen A4 is a screen for displaying a plurality of electronic payment means corresponding to the user. The payment method selection screen A4 is also a screen for accepting a user to select an electronic payment method to be used when paying for a product or the like at a store. The payment means selection screen A4 is an aspect of the electronic payment means output information. The payment method selection screen A4 has an additional designation button a41 for newly adding an electronic payment method (in this example, described as "member store Pay") and an electronic payment that displays a list of electronic payment methods corresponding to the user. The means list display area a42 is included. When the additional designation button a41 is pressed, the screen transitions to an electronic payment means addition screen (not shown) for adding a new electronic payment means. The electronic payment means list display area a42 is the first electronic payment means selection button a421 of the first business operator (in this example, “drugstore B1”) corresponding to the user, and the second business operator (in this example, “drug store B1”). , "Health Cafe B2") includes a second electronic payment means selection button a422. When the first electronic payment means selection button a421 is pressed, the screen transitions to the code payment screen A5 for payment payment in the electronic payment means of the drugstore B1.

As shown in FIG. 7B, the code payment screen A5 is a screen for performing payment payment in the electronic payment means of the drug store B1. In this example, it is assumed that the electronic payment means of the drugstore B1 is registered as a payment method by bank transfer by code payment. The code payment screen A5 includes a payment method display area a51 for displaying the registered payment method, and a first identification code display area a52 for displaying the first identification code generated by the code generation unit 116. As shown in FIG. 7C, when the displayed first identification code is read by the store terminal 300 and the processing for payment settlement is completed, the code payment screen A5 indicates the completion. The completion notification dialog a53 may be displayed. Further, as another example, when the displayed first identification code is read by the store terminal 300 and the processing for payment settlement is completed, the payment completion notification dialog a53 is not displayed, but the code settlement screen A5. May transition to the settlement completion screen (not shown) indicating the completion.

As shown in FIG. 8A, the usage details inquiry screen A6 is a screen for displaying the usage details of payment in the payment processing unit 114 for each user. The usage details inquiry screen A6 is an aspect of usage details output information. The usage details inquiry screen A6 displays the usage details list only for the usage details display switching tab a61 for switching the display so that the usage details for all payments are displayed in the usage details list display area a64, and the usage details for the industry of the specified business operator. Use only the usage details of the display switching tab a62 for each operator that switches the display so that it is displayed in the area a64, and the selected period (in this example, "previous month", "next month", or "selected month" indicating the selected month). It includes a period-specific display switching tab a63 for switching the display so as to be displayed in the detail list display area a64, and a usage detail list display area a64 for listing usage details for settlement. Further, the usage details list display area a64 includes a product inquiry screen display button a641 for inquiring the purchased products corresponding to each usage details in each usage details. When the product inquiry screen display button a641 is pressed, the screen transitions to the purchased product inquiry screen A7 that displays the corresponding purchased product.

As shown in FIG. 8B, the purchased product inquiry screen A7 displays the content of the product associated with the designated payment usage statement. The usage details inquiry screen A6 and the purchased product inquiry screen A7 are one aspect of the settlement product service association output information.

<5. Data configuration example>
An example of data configuration of the integrated payment system 1 will be described with reference to FIGS. 9 to 11. In addition, in the various information described in this example, it is not necessary to include all the items included in the various information exemplified in FIGS. 9 to 11, and items other than these may be included, and various information is used. It may be set appropriately according to the processing or the like. As shown in FIG. 9, the business operator information includes industry information (in this example, described as “industry code”), “business operator ID”, and “business operator name”. In addition, the user information includes a "user ID", a "name", and a "date of birth" for each user.

As shown in FIG. 10, the user ID business operator customer ID correspondence information includes "business ID", "business customer ID", "master user ID", "business user ID", and "name". And include. The value of the "business customer ID" item is, for example, when the business customer ID cannot be obtained from the business server 400 of the business corresponding to the business user ID (for example, the business customer ID of the corresponding business). (When is not issued, etc.), Null or the like may be set. In addition, the user payment method correspondence information identifies the "user ID", the "electronic payment method name", the "electronic payment method ID", the "business ID", and the advertisement delivered from the business operator for each user. "Advertisement identification information (hereinafter referred to as" advertisement ID ")" is included.

As shown in FIG. 11, the payment data includes a "payment ID", a "settlement date and time (date)", a "settlement date and time (hour, minute and second)", a "business ID", and a "business name". , "Payment amount" and "user ID" are included. In addition, the sales data includes "receipt number", "payment ID", "business ID", "store ID", "sales date and time (date)", and "sales date and time (hour)" for each product sold. Minutes and seconds) ”,“ Sales product name ”,“ Unit price ”, and“ Settlement amount ”. For the value of the "payment ID" item, for example, when the initial value is set to Null or the like and the settlement data is combined for each sales data by the data combination unit 118, the data combination unit 118 combines the values. The value of the settlement ID of the settlement data of the above may be set.

<6. Operation example>
An operation example of the integrated payment system 1 according to the present embodiment will be described with reference to FIGS. 12 and 13.

<6-1. Flow ＞
FIG. 12 shows that when a user pays for a product or the like at a store in the integrated payment server 100, the user accepts a selection of an electronic payment means and pays for the product or the like by the electronic payment means selected by the user. It is a flow chart which shows the example of the flow which performs the process for making a settlement. The code payment described in this example uses the CPM method. The order of processing shown below is an example, and may be changed as appropriate.

As shown in FIG. 12, the output information generation unit 111 of the integrated payment server 100 generates electronic payment output information (S10). The transmission unit 131 transmits the generated electronic payment output information to the user terminal 200 in order to select the electronic payment means to be used by the user from the plurality of electronic payment means (S11). The payment means reception unit 112 accepts the selection of the electronic payment means to be used by the user from the user terminal 200 (S12).

When the registered payment method is a code payment method (Yes in S13), the code generation unit 116 generates a first identification code when the payment method reception unit 112 accepts the selection of the electronic payment method (S14). ). The transmission unit 131 transmits the first code information indicating the first identification code to the user terminal 200 that has accepted the selection of the electronic payment means (S15).

The request reception unit 113 receives a payment request including the business ID of the first identification code from the store terminal 300 that has read the first identification code displayed on the user terminal 200 (S16).

When the business operator indicated by the business ID of the first identification code and the business operator to which the store requesting the payment request belongs match (Yes in S17), the payment processing unit 114 selects from the user according to the payment request. In the electronic payment means, the process for settling the payment by the code payment is performed (S18). The payment processing unit 114 transmits the processing result of the payment to the user terminal 200 and the store terminal 300 via the transmission unit 131 (S19).

When the business operator indicated by the business ID of the first identification code and the business operator to which the store requesting the payment request belongs do not match (No in S17), the payment processing unit 114 generates an error message indicating a payment error. (S20). The transmission unit 131 transmits the error message to the user terminal 200 and the store terminal 300 (S21).

When the registered payment method is not a code payment method (No in S13), the request receiving unit 113 receives a payment request from the user terminal 200 (S22). The payment processing unit 114 performs a process for making a payment using the registered payment method and authentication information in the electronic payment means selected by the user in response to the payment request (S23). The payment processing unit 114 transmits the result of the processing to the user terminal 200 and the store terminal 300 via the transmission unit 131 (S24).

<6-2. Interaction>
FIG. 13 shows integrated payment when a user pays for a product or the like at a store in the integrated payment system 1 and performs a process for payment and settlement of the price for the product or the like by an electronic payment means selected by the user. It is a sequence diagram which shows the interaction between a server 100, a user terminal 200, a store terminal 300, and a business operator server 400. In this example, the registered payment method is bank transfer payment by code payment.

As shown in FIG. 13, the user terminal 200 accepts the display designation of the payment means selection screen A4 from the user (S30). Upon receiving the above designation, the user terminal 200 requests the integrated payment server 100 for payment means output information (S31). Specifically, the user terminal 200 transmits a message indicating the request to the integrated payment server 100. Hereinafter, the process of requesting various information and various processes from the user terminal 200 to the integrated payment server 100 is realized by transmitting a message indicating each request to the integrated payment server 100 in this way.

The integrated payment server 100 generates payment means output information based on the received request (S32). The integrated payment server 100 transmits the generated payment means output information to the user terminal 200 (S33).

The user terminal 200 displays the payment means selection screen A4 based on the received payment means output information (S34). The user terminal 200 accepts the user to select the electronic payment means to be used for the completed means selection screen A4 (S35). The user terminal 200 requests the integrated payment server 100 to accept the selected electronic payment means and to request the first code information (S36).

The integrated payment server 100 accepts the selection of the electronic payment means used by the user from the plurality of electronic payment means based on the received request (S37). Further, the integrated payment server 100 generates a first identification code when the selection of the electronic payment means is accepted (S38). The integrated payment server 100 transmits the first code information indicating the generated first identification code to the user terminal 200 (S39).

The user terminal 200 displays the first identification code of the received first code information (S40). The store terminal 300 accepts the cashier input of the purchased product from the clerk (S41). The store terminal 300 reads the first identification code displayed on the user terminal 200 (S42). The store terminal 300 generates a payment request including the business ID of the read first identification code (S43). The store terminal 300 transmits the generated payment request to the integrated payment server 100 (S44). The integrated payment server 100 receives the received payment request (S45). The integrated payment server 100 determines whether or not the business indicated by the business ID of the first identification code matches the business to which the store requesting the payment request belongs (S46).

When the business operators match in the result of the above determination, the integrated payment server 100, the user terminal 200, and the store terminal 300 execute the process in the area of the opt (Option) tag. Specifically, the integrated payment server 100 determines the destination bank for payment settlement (S47). The integrated settlement server 100 instructs the bank server of the destination bank to process the payment amount with the transfer source as the user's destination bank account and the transfer destination as the business bank account (S48). The bank server executes the transfer process based on the instruction (S49). The bank server transmits the result of the transfer process to the integrated payment server 100 (S50). The integrated payment server 100 generates processing result output information for outputting the processing result of payment settlement based on the received result of the transfer processing (S51). The integrated payment server 100 transmits the processing result output information to the user terminal 200 and the store terminal 300 (S52).

The user terminal 200 displays a processing result screen indicating that the payment has been completed based on the received processing result output information (S53). The store terminal 300 displays a processing result screen indicating that the payment has been completed based on the received processing result output information (S54). The store terminal 300 issues a product purchase receipt based on the received processing result output information (S55). The integrated payment server 100 generates payment data for payment payment and stores it in the storage unit 140 (S56).

<7. Hardware configuration>
With reference to FIG. 14, an example of the hardware configuration in the case where the integrated payment server 100 and the user terminal 200 described above are realized by the computer 800 will be described. The function of each device can be realized by dividing it into a plurality of devices.

As shown in FIG. 14, the computer 800 includes a processor 801 and a memory 803, a storage device 805, an input I / F unit 807, a data I / F unit 809, a communication I / F unit 811 and a display device. Includes 813.

The processor 801 controls various processes in the computer 800 by executing a program stored in the memory 803. For example, each functional unit included in the control unit 110 of the integrated payment server 100, each functional unit included in the control unit 210 of the user terminal 200, and the like can be realized by the processor 801 executing a program temporarily stored in the memory 803. Is.

The memory 803 is a storage medium such as a RAM (Random Access Memory) or the like. The memory 803 temporarily stores the program code of the program executed by the processor 801 and the data required when the program is executed.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 805 stores various programs including an operating system and an integrated payment application for users for realizing each of the above configurations. In addition, the storage device 805 includes a table for registering user information, electronic payment means information, user payment means correspondence information, account management information, industry information, first code information, second code information, various output information, and the like. It is also possible to store the DB that manages the table. Such programs and data are referred to by the processor 801 by being loaded into the memory 803 as needed.

The input I / F unit 807 is a device for receiving input from the user. Specific examples of the input I / F unit 807 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, and the like. The input I / F unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus).

The data I / F unit 809 is a device for inputting data from the outside of the computer 800. Specific examples of the data I / F unit 809 include a drive device for reading data stored in various storage media. It is also conceivable that the data I / F unit 809 is provided outside the computer 800. In that case, the data I / F unit 809 is connected to the computer 800 via an interface such as USB.

The communication I / F unit 811 is a device for performing data communication via the Internet N by wire or wirelessly with an external device of the computer 800. It is also conceivable that the communication I / F unit 811 is provided outside the computer 800. In that case, the communication I / F unit 811 is connected to the computer 800 via an interface such as USB.

The display device 813 is a device for displaying various information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, and the like. The display device 813 may be provided outside the computer 800. In that case, the display device 813 is connected to the computer 800 via, for example, a display cable or the like. Further, when the touch panel is adopted as the input I / F unit 807, the display device 813 can be integrally configured with the input I / F unit 807.

It should be noted that the present embodiment is an example for explaining the present invention, and the present invention is not intended to be limited only to the embodiment. Further, the present invention can be modified in various ways as long as it does not deviate from the gist thereof. Further, those skilled in the art can adopt an embodiment in which each element described below is replaced with an equal one, and such an embodiment is also included in the scope of the present invention.

Further, the components included in the integrated payment server 100 and the user terminal 200 described in the above embodiment are such that the program stored in the storage device 805 is executed by the processor 801 and the defined processing is performed by other hardware. It shall be realized in cooperation with the wear. In other words, these components are assumed to be software or firmware and corresponding hardware, and in both concepts, "function", "means", "part", "processing circuit", It is also described as "unit" or "module", and can be read as "unit" or "module".

[Modification example]
Although the present invention has been described based on the above-described embodiment, the following cases are also included in the present invention.

(1) The user terminal 200 may include at least a part of each configuration in the integrated payment server 100 according to the above embodiment. For example, the user output information generation unit 211 of the user terminal 200 may be provided with all the functions of the output information generation unit 111 of the integrated payment server 100. Further, at least a part of each configuration in the user terminal 200 according to the above embodiment may be provided by the integrated payment server 100 or the like. For example, the integrated payment system according to the above embodiment, such as selection reception and payment request reception, is provided in the user terminal 200 only as functions such as a Web application and a barcode reader that are standardly provided in a terminal device of a smartphone or a laptop terminal. All the dedicated functions may be performed on the integrated payment server 100 or the store terminal 300 side.

(2) An example has been described in which the first storage unit, the second storage unit, and the third storage unit according to the above embodiment are all functional units included in the storage unit 140 of the integrated payment server 100. For example, a user terminal has been described. It may be a functional unit included in the user storage unit 240 of 200. Further, as another example, the first storage unit, the second storage unit, and the third storage unit according to the above embodiment may be storage units (not shown) included in the business server 400, or may be an external system 5 It may be a storage unit (not shown) provided in the device. On the contrary, the example in which the healthcare data recording unit according to the above embodiment is a functional unit included in the user storage unit 240 of the user terminal 200 has been described. For example, the function provided in the storage unit 140 of the integrated payment server 100 has been described. It may be a department.

(3) Although not shown in the above embodiment, the output information generation unit 111 refers to the third storage unit 143 that stores the product service information, and outputs the product or the like input means output information for output to the store terminal 300. It may be generated. Here, the "product input means output information" means that when the user pays the price generated by selling the product or providing the service to the store, the store terminal 300 accepts the input of the product or the like from the clerk of the store. Information provided with input means such as products.

The output information generation unit 111 may generate the output information of the product or the like input means so that the output of the product or the like input means can be adjusted for each business operator, for example. The product or the like input means may be, for example, a drop-down list in which products or the like that can be sold at the store are registered in advance (hereinafter, also referred to as a “product or the like drop-down list”). For example, the output information generation unit 111 displays a drop-down list of products and the like on the store terminal 300a of the store belonging to the first business operator drugstore B1 in the example of FIG. 1, while displaying the drop-down list of products etc. on the health cafe B2 of the second business operator. The product or the like input means output information may be generated so that the product or the like drop-down list is not displayed on the store terminal 300b of the store to which the product or the like belongs.

According to the above configuration, the output information generation unit 111 can adjust whether or not to output the product or the like input means for each business operator. Therefore, for example, it is possible to provide a product or the like input means as an option for each business operator to a business operator who uses the integrated payment service.

The transmission unit 131 of the integrated payment server 100 transmits the generated product or the like input means output information to the store terminal 300. The store terminal 300 may output the received product or the like input means output information to a screen or the like by the integrated payment application for the store.

The output information generation unit 111 may generate the output information of the input means such as a product so that the output can be adjusted for each product or service, for example. The output information generation unit 111 may generate the output information of the input means such as a product so that the output can be adjusted for each business operator and for each product or service, for example.

(4) Although not shown in the above embodiment, the output information generation unit 111 generates uncombined data output information indicating the data not combined by the data combination unit 118 to the administrator of the integrated payment server 100. You may. Here, the "uncombined data output information" is based on the result of collation of the settlement data and the sales data as the key information in the data combination unit 118, and the values of the information as the key are combined without matching. This is information for outputting at least one of the settlement data and the sales data that have not been completed. The integrated payment server 100 is, for example, based on the uncombined data output information generated on the screen of the terminal (not shown) used by the administrator connected to the integrated payment server 100, the uncombined payment data. And at least one of the sales data may be displayed.

The output information generation unit 111 generates uncombined data output information so as to include, for example, a join designation receiving means that accepts a designation to join the output unbound payment data and sales data from the administrator. May be good. According to such a configuration, the above-mentioned administrator can manually combine the settlement data and the like that could not be automatically combined because the information as the key for the combination did not match in the data combination unit 118. it can.

1 ... Integrated payment system, 100 ... Integrated payment server, 110 ... Control unit, 111 ... Output information generation unit, 112 ... Payment means reception unit, 113 ... Request reception unit, 114 ... Payment processing unit, 115 ... Registration reception unit, 116 ... Code generation unit, 117 ... Sales data acquisition unit, 118 ... Data combination unit, 119 ... Data provision unit, 120 ... Healthcare data acquisition unit, 121 ... Bonus granting unit, 130 ... Communication unit, 131 ... Transmission unit, 140 ... Storage unit, 200 ... User terminal, 210 ... Control unit, 211 ... User output information generation unit, 212 ... User payment means reception unit, 213 ... Payment request generation unit, 230 ... User communication unit, 240 ... User storage unit, 250 ... Operation input unit, 260 ... Display output unit, 300 ... Store terminal, 400 ... Business server, 5 ... External system, 500 ... External device, 800 ... Computer, 801 ... Processor, 803 ... Memory, 805 ... Storage device, 807 ... Input I / F unit, 809 ... Data I / F unit, 811 ... Communication I / F unit, 813 ... Display device.

Claims (13)

The user refers to the first storage unit that stores the user payment means correspondence information indicating the correspondence relationship between the user and the electronic payment means of each of the plurality of businesses having stores that sell products or provide services to the user. An output information generation unit that generates output information of electronic payment means indicating a plurality of electronic payment means corresponding to
A transmission unit that transmits the electronic payment means output information to the user terminal of the user in order to select the electronic payment means to be used by the user from the plurality of electronic payment means.
A payment means reception unit that accepts selection of an electronic payment means to be used by the user from the plurality of electronic payment means from the user terminal.
A request receiving unit that receives a payment request for payment from the user terminal or the store terminal at the store when the user pays the price generated by selling goods or providing services to the store.
A payment processing unit that performs processing for making a payment with the selected electronic payment means in response to the payment request is provided.
Integrated payment server. A registration reception unit that accepts registration of a payment method of the price that can be used by the user and authentication information for receiving user authentication when using the payment method from the user terminal.
In response to the payment request, the payment processing unit performs processing for payment of the payment by the registered payment method and the authentication information in the selected electronic payment means.
The integrated payment server according to claim 1. When the registered payment method is a method by code payment using the first identification code, when the payment means reception unit accepts the selection of the electronic payment means, the above-mentioned thing in the selected electronic payment means. A code generation unit that generates the first identification code including the business operator identification information for identifying the trader is further provided.
The transmission unit transmits the first code information indicating the generated first identification code to the user terminal that has received the selection of the electronic payment means.
The payment request includes the business identification information of the first identification code output by the user terminal and read by the store terminal.
The request reception unit receives the payment request from the store terminal and receives the payment request.
When the business operator indicated by the business operator identification information of the first identification code and the business operator to which the store requesting the payment request belongs match, the payment processing unit performs the settlement of the payment by the code payment. Do the processing to do
The integrated payment server according to claim 2. When the registered payment method is a method by code payment using a second identification code, the second identification code is an identification code generated by the store terminal and is a business operator for identifying the business operator. Including identification information
The payment request includes the business identification information of the second identification code read by the user terminal from the store terminal.
The request receiving unit receives the payment request from the user terminal, and receives the payment request.
When the business operator indicated by the business operator identification information of the second identification code and the business operator of the selected electronic payment means match, the payment processing unit setstles the payment by the code payment. To process,
The integrated payment server according to claim 2. When the payment processing unit performs processing for making the payment, the payment processing unit identifies the payment date / time information indicating the date and time when the payment was made, the payment amount, and the store where the payment was made. Generate payment data including identification information
Sales that acquire sales data including sales date and time information indicating the date and time of sales by the payment, sales amount, and store identification information indicating the store from the business server of the business to which the store to which the payment was made belongs. Data acquisition department and
Data combination to generate settlement sales combination data by combining the settlement data and the sales data using the settlement date / time information, the sales date / time information, the settlement amount and the sales amount, and the store identification information as keys. Department and
A data providing unit that provides the settlement sales combined data to the business operator server is further provided.
The integrated payment server according to any one of claims 1 to 3. The output information generation unit is uncombined data output information indicating at least one of the payment data and the sales data that were not combined by the data combination unit to the administrator of the integrated payment server. From the administrator, generate uncombined data output information provided with a combination designation receiving means that accepts a designation to combine the uncombined settlement data and sales data.
The integrated payment server according to claim 5. The output information generation unit refers to a second storage unit that stores industry information indicating the business type of the business operator, and outputs payment usage details in the payment processing unit for each user based on the payment data. It is the usage statement output information for the purpose, and the usage statement output information whose output can be adjusted for each industry is generated.
The transmission unit transmits the usage statement output information to the user terminal.
The integrated payment server according to claim 5 or 6. The sales data includes the product / service identification information for identifying the product or service to be sold, and the output information generation unit includes the product / service identification information and contains the content of the product or service provided by the business operator. A settlement product for outputting the usage details of the settlement and the contents of the goods or services in association with each other based on the usage details and the settlement sales combined data with reference to the third storage unit for storing the indicated product / service information. Generate service association output information and generate
The transmission unit transmits the settlement product service association output information to the user terminal.
The integrated payment server according to claim 7. The output information generation unit refers to the third storage unit that stores the product / service information, and when the user pays the price generated by selling the product or providing the service to the store, the clerk of the store gives the product or the like. Product, etc. input means output information provided with product, etc. input means that accepts the input of the above, and the product, etc. input means output information whose output can be adjusted for each business operator is generated.
The transmission unit transmits the product or the like input means output information to the store terminal in order to output it at the store terminal.
The integrated payment server according to claim 8. Each of the plurality of businesses is an industry related to the user's health care.
An external system for providing a healthcare service to the user, physical data indicating the physical condition of the user, activity data indicating the amount of activity of the user, and meal data indicating the meal consumed by the user are recorded. A healthcare data acquisition unit that connects to at least one of the healthcare data recording units and acquires at least one of the user's physical data, activity data, and dietary data.
When the acquired data satisfies a predetermined condition, the user is further provided with a privilege giving unit that grants a privilege that can be used for the payment.
The integrated payment server according to any one of claims 1 to 8. On the computer of the user terminal used by the user,
With reference to the user storage function for storing user payment means association information indicating the correspondence between the user and the electronic payment means of each of a plurality of businesses having stores that sell products or provide services to the user. A user output information generation function that generates electronic payment method output information indicating a plurality of electronic payment methods corresponding to the user, and
A user payment means reception function that accepts a selection of an electronic payment means to be used by the user from the plurality of electronic payment means from the user.
A payment request generation function that generates a payment request for the payment in the selected electronic payment means when the user pays the price generated by selling goods or providing services to the store.
A user transmission function of transmitting the generated payment request to an integrated payment server that performs processing for payment of the payment by the selected electronic payment means is realized.
Terminal program. On the server computer
The user refers to the first storage function for storing user payment means correspondence information indicating the correspondence relationship between the user and the electronic payment means of each of a plurality of businesses having stores that sell products or provide services to the user. An output information generation function that generates output information of an electronic payment method indicating a plurality of electronic payment methods corresponding to
A transmission function for transmitting the electronic payment means output information to the user terminal of the user in order to select the electronic payment means to be used by the user from the plurality of electronic payment means.
A payment means reception function that accepts a selection of an electronic payment means to be used by the user from the plurality of electronic payment means from the user terminal, and a payment means reception function.
A request reception function that accepts a payment request for payment from the user terminal or the store terminal at the store when the user pays the price generated by selling goods or providing services to the store.
In response to the payment request, a payment processing function for performing a process for payment of the payment by the selected electronic payment means is realized.
Server program. The server computer
The user refers to the first storage function for storing user payment means correspondence information indicating the correspondence relationship between the user and the electronic payment means of each of a plurality of businesses having stores that sell products or provide services to the user. Generates electronic payment method output information indicating multiple electronic payment methods corresponding to
In order to select the electronic payment means to be used by the user from the plurality of electronic payment means, the electronic payment means output information is transmitted to the user terminal of the user.
From the user terminal, the selection of the electronic payment means used by the user from the plurality of electronic payment means is accepted.
When the user pays the price generated by selling goods or providing services to the store, the payment request for the payment is received from the user terminal or the store terminal at the store.
In response to the payment request, a process for settling the payment by the selected electronic payment means is performed.
Payment processing method.

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