JP2021163172A - Settlement processing method - Google Patents

Abstract

To provide a settlement processing method which reduces the workload of a user for payment.SOLUTION: A settlement processing apparatus 1 includes: a point information transmission unit 131 which transmits points corresponding to a second user ID associated with a first user ID received from a user terminal, to the user terminal; an issuance request acquisition unit 132 which receives points to be used by a user, the first user ID, and a request to issue a settlement code, from the user terminal; a token transmission unit 133 which transmits, on receipt of the request to issue the settlement code, a settlement token for generating the settlement code, to the user terminal; a settlement information receiving unit 134 which receives the settlement token and the amount to be settled by the user in a store, from a store terminal which has read the settlement code displayed on the user terminal; and a settlement processing unit 135 which executes settlement on the basis of the amount to be settled received from the store terminal, the first user ID corresponding to the settlement token received from the store terminal, and privilege for the use.SELECTED DRAWING: Figure 2

Description

The present invention relates to a payment processing method.

Code payment using a two-dimensional bar code such as a QR code (registered trademark) is widespread (see, for example, Patent Document 1 and Patent Document 2). The code payment is made by reading the two-dimensional bar code displayed by the store side by the user terminal or by reading the two-dimensional bar code displayed by the user terminal by the store side.

Japanese Patent No. 6528160 Japanese Patent No. 6473539

In code payment, when a user uses a privilege for lowering the purchase amount such as a discount issued by a store, the user needs to present the privilege to the store. Then, after the purchase amount to which the privilege is applied is calculated by the store system, the user needs to proceed with the code payment for the purchase amount. For this reason, there is a problem that the user needs to perform the operation of presenting the privilege and the operation of proceeding with the code payment at the time of accounting, and the workload of the user is large.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a settlement processing method capable of reducing a user's workload at the time of accounting.

The payment processing method according to the first aspect of the present invention includes a step of receiving first user identification information for identifying the user from a user terminal used by the user, which is executed by a computer, and the first user identification information. A step of acquiring a privilege corresponding to the second user identification information for identifying the associated user, a step of transmitting the acquired privilege to the user terminal, and a step of transmitting the acquired privilege from the user terminal to the user among the benefits. When the step of receiving the usage privilege which is the privilege to be used and the issuance request of the payment code for the user to settle at the store and the issuance request of the payment code are received, the first user identification information is used. The payment is made from the step of transmitting the payment token for generating the corresponding payment code to the user terminal and the store terminal that reads the payment code displayed by the user terminal based on the payment token. The step of receiving the token and the payment amount of the user at the store, the payment amount received from the store terminal, the first user identification information corresponding to the payment token received from the store terminal, and the first user identification information. It has a step of executing payment based on the usage privilege.

The payment processing method according to the second aspect of the present invention is a second user who identifies the user associated with the first user identification information that identifies the user from a user terminal used by the user, which is executed by a computer. The step of receiving the identification information, the usage privilege which is the privilege used by the user corresponding to the second user identification information, and the issuance request of the payment code for the user to make a payment at the store, and the payment. Upon receiving the request for issuing the payment code, the step of transmitting the payment token for generating the payment code to the user terminal and the payment code displayed by the user terminal based on the payment token are displayed. The step of receiving the payment token and the payment amount of the user at the store from the read store terminal, and the first user identification information associated with the second user identification information received from the user terminal. And a step of executing payment based on the usage privilege received from the user terminal and the payment amount received from the store terminal.

According to the present invention, there is an effect that the workload of the user at the time of accounting can be reduced.

It is a figure which shows the outline of the payment system which concerns on 1st Embodiment. It is a figure which shows the functional structure of the payment processing apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the user cooperation information. It is a figure which shows the functional structure of the user terminal which concerns on 1st Embodiment. It is a figure which shows the functional structure of the store terminal which concerns on 1st Embodiment. It is a figure which shows the functional structure of the privilege management apparatus which concerns on 1st Embodiment. It is operation sequence diagram of the payment system which concerns on 1st Embodiment. It is an operation sequence diagram following FIG. It is operation sequence diagram of the payment system which concerns on the modification of 1st Embodiment. It is operation sequence diagram of the payment system which concerns on 2nd Embodiment.

<First Embodiment>
[Overview of payment system S]
FIG. 1 is a diagram showing an outline of the payment system S according to the first embodiment. When the user purchases a product at the store, the payment system S displays the payment code on the user terminal in response to a request from the user terminal possessed by the user, and the payment code is read by the store. It is a system that makes payments accordingly. The payment code is a text or image that can be read by the terminal on the store side used for payment at the store, and is a code used at the time of payment.

The payment system S includes a payment processing device 1, a user terminal 2, a store terminal 3, and a point management device 4 as a privilege management device. The payment processing device 1 is a server that setstles the purchase amount. The user terminal 2 is an information terminal used by the user, for example, a smartphone, a tablet, or a personal computer. The store terminal 3 is, for example, a POS terminal.

The point management device 4 is, for example, a server that manages benefits that can be used in stores. The benefits are, for example, points and coupons for discounting the purchase amount at the store at the time of payment. In the present embodiment, the explanation will proceed assuming that the privilege is the point. The point management device 4 is managed by a business operator that manages points. In the example shown in FIG. 1, only one point management device 4 is shown, but it is assumed that there is a point management device 4 managed by each of a plurality of businesses.
Hereinafter, the flow until the settlement is completed will be described with reference to FIG.

In order to use points when purchasing products or the like at a store, the user activates application software for payment in advance and displays point information indicating points that can be used by the user on the user terminal 2. Perform the operation of. The user terminal 2 transmits the first user ID that identifies the user used in the code payment and the point information acquisition request to the payment processing device 1 ((1) in FIG. 1). The first user ID is a user ID given to the user by the business operator that operates the code payment.

In the payment processing device 1, the first user ID and one or more second user IDs that identify the user are associated and stored. The second user ID is a user ID given to the user by the business operator who manages the points so that the points can be given to the user. The second user ID is associated with the points given to the user in the point management device 4.

When the payment processing device 1 acquires the first user ID and the point information acquisition request, the payment processing device 1 inquires of the point management device 4 for the points corresponding to the second user ID associated with the first user ID, and the second user ID is concerned. The point corresponding to the user ID is specified ((2) in FIG. 1). The payment processing device 1 transmits point information indicating the specified point to the user terminal 2 ((3) in FIG. 1). The user terminal 2 displays the received point information and accepts points to be used from the user.

After that, the user moves to the store and purchases the product at the store. When accounting is performed at a store, the user activates application software for payment and performs an operation for displaying the payment code on the user terminal 2. When the user terminal 2 receives an operation for displaying the payment code, the user terminal 2 transmits the usage point, which is the point used by the user, the first user ID, and the issuance request of the payment code to the payment processing device 1. ((4) in FIG. 1).

When the payment processing device 1 receives the usage point, the first user ID, and the issuance request of the payment code from the user terminal 2, it generates a payment token ((5) in FIG. 1). The payment token is a data string used when the user terminal 2 generates a payment code presented by the user at the store. The payment processing device 1 stores the generated payment token, the first user ID, and the points used in association with each other in the storage medium ((6) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the user terminal 2 ((7) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the user terminal 2 after encrypting the payment token.

The user terminal 2 generates and displays a payment code based on the received payment token ((8) in FIG. 1).
The user presents the payment code when the purchase price of the product is settled at the store cashier. Then, for example, by the operation of the store clerk, the store terminal 3 reads the payment code displayed on the user terminal 2 ((9) in FIG. 1).

The store terminal 3 sends a payment request including a payment amount in a store indicating the total amount of products purchased by the user, a payment token indicated by the read payment code, and a store ID that identifies the store to the payment processing device 1. Transmit ((10) in FIG. 1).

When the payment processing device 1 receives the payment request from the store terminal 3, it determines whether or not the payment token included in the received payment request matches the payment token transmitted to the user terminal 2. When the payment processing device 1 determines that the payment tokens match, the payment processing device 1 executes the payment processing based on the usage points associated with the payment tokens, the first user ID, and the received payment request (FIG. (11) in 1.

When the payment system S operates as described above, the user can purchase products to which the points are applied without presenting the use of points as privilege information to the store at the time of accounting. The workload can be reduced.
Hereinafter, the details of the configurations of the payment processing device 1, the user terminal 2, the store terminal 3, and the point management device 4 will be described.

[Functional configuration of payment processing device 1]
FIG. 2 is a diagram showing a functional configuration of the payment processing device 1 according to the first embodiment. The payment processing device 1 includes a communication unit 11, a storage unit 12, and a control unit 13.

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium for storing various types of data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores a program executed by the control unit 13. The storage unit 12 stores a payment program that causes the control unit 13 to function as a point information transmission unit 131, an issuance request acquisition unit 132, a token transmission unit 133, a payment information reception unit 134, and a payment processing unit 135.

Further, the storage unit 12 stores user cooperation information in which the first user ID, the second user ID, and the business operator ID that identifies the business operator that manages the points corresponding to the second user ID are associated with each other. FIG. 3 is a diagram showing an example of user cooperation information. As shown in FIG. 3, it can be confirmed that one or more business IDs and a second user ID are associated with the first user ID.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 executes the point information transmission unit 131, the issuance request acquisition unit 132, the token transmission unit 133, the payment information reception unit 134, and the payment processing unit 135. Functions as. Details of the operation of each unit of the control unit 13 will be described later.

[Functional configuration of user terminal 2]
FIG. 4 is a diagram showing a functional configuration of the user terminal 2 according to the first embodiment. The user terminal 2 has an operation unit 21, a communication unit 22, a display unit 23, a storage unit 24, and a control unit 25. The control unit 25 includes an operation reception unit 251, a request transmission unit 252, and a code generation unit 253.

The operation unit 21 is an operation device that accepts user operations, and is, for example, a touch panel provided on the surface of the display unit 23. The operation unit 21 notifies the operation reception unit 251 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting and receiving data to and from a base station of a mobile phone network. The communication unit 22 inputs the payment token or the like received from the payment processing device 1 into the code generation unit 253.

The display unit 23 is a display that displays various types of information. The display unit 23 displays the payment code based on the control of the code generation unit 253.

The storage unit 24 is a storage medium including a ROM, RAM, and the like. The storage unit 24 stores a program executed by the control unit 25. The storage unit 24 stores a program that causes the control unit 25 to function as the operation reception unit 251 and the request transmission unit 252 and the code generation unit 253. In addition, the storage unit 24 stores the payment token received from the payment processing device 1, the payment code generated based on the payment token, and the like.

The control unit 25 is, for example, a CPU, and functions as an operation reception unit 251, a request transmission unit 252, and a code generation unit 253 by executing a program stored in the storage unit 24.

The operation reception unit 251 specifies the operation content of the user based on the signal input from the operation unit 21. When the specified operation content is an operation for using the point information, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. When the operation reception unit 251 receives an operation for using the point information, the request transmission unit 252 sends the first user ID and the point information acquisition request to the payment processing device 1 via the communication unit 22. Send. The operation reception unit 251 displays the point information received from the payment processing device 1 by the communication unit 22 on the display unit 23, and receives the points to be used from the user.

When the specified operation content is an operation for displaying the payment code on the user terminal 2, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. When the operation reception unit 251 accepts an operation for displaying the payment code on the user terminal 2, the request transmission unit 252 uses the usage point, the first user ID, and the payment for payment via the communication unit 22. The code issuance request is transmitted to the payment processing device 1.

When the payment token is transmitted from the payment processing device 1, the code generation unit 253 generates a payment code based on the payment token. The code generation unit 253 generates a payment code based on, for example, a predetermined rule. The code generation unit 253 causes the display unit 23 to display the generated payment code.

[Functional configuration of store terminal 3]
FIG. 5 is a diagram showing a functional configuration of the store terminal 3 according to the first embodiment. The store terminal 3 has an operation unit 31, a reading unit 32, a communication unit 33, a display unit 34, a storage unit 35, and a control unit 36.

The operation unit 31 is an operation device that accepts the user's operation, and is, for example, a button for selecting a product to be purchased by the user or a touch panel provided on the surface of the display unit 34.

The reading unit 32 is, for example, a bar code reader and a camera, and reads a bar code attached to a product purchased by the user or a payment code displayed by the user terminal 2. The reading unit 32 outputs the information indicated by the read barcode and the payment code to the control unit 36.

The communication unit 33 is, for example, a communication interface for transmitting and receiving data to and from the payment processing device 1. The communication unit 33 transmits the payment token, the payment amount, and the store ID to the payment processing device 1 according to the control of the control unit 36.

The display unit 34 is a display that displays various types of information. The display unit 34 displays, for example, the settlement amount.

The storage unit 35 is a storage medium including a ROM, a RAM, and the like. The storage unit 35 stores a program executed by the control unit 36. The storage unit 35 stores a program that causes the control unit 36 to function as a payment information generation unit 361, a token acquisition unit 362, and a payment information transmission unit 363. Further, the storage unit 35 stores a product DB in which the product ID and the price of the product are associated with each other.

The control unit 36 is, for example, a CPU, and functions as a payment information generation unit 361, a token acquisition unit 362, and a payment information transmission unit 363 by executing a program stored in the storage unit 35.

The payment information generation unit 361 identifies one or more products to be settled and generates payment information. Specifically, the payment information generation unit 361 acquires the product ID input by the clerk in the operation unit 31 or the product ID read by the reading unit 32 from the barcode attached to the product. Identifies the product as the product to be settled. The settlement information generation unit 361 refers to the product DB stored in the storage unit 35 and specifies the price of the product associated with the acquired product ID. The payment information generation unit 361 acquires one or more product IDs input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and the price of the product specified from the product ID. To aggregate. When the settlement information generation unit 361 receives the settlement operation in the operation unit 31, the settlement information generation unit 361 determines the total price of the product as the settlement amount.

The token acquisition unit 362 acquires the information extracted from the payment code as a payment token by the reading unit 32 reading the payment code displayed on the user terminal 2.
In the payment information transmission unit 363, when the payment information generation unit 361 generates payment information and the token acquisition unit 362 acquires the payment token, the payment token, the payment amount, and the store via the communication unit 33. The store ID that identifies the above is transmitted to the payment processing device 1.

[Functional configuration of point management device 4]
FIG. 6 is a diagram showing a functional configuration of the point management device 4 according to the first embodiment. The point management device 4 has a communication unit 41, a storage unit 42, and a control unit 43.

The communication unit 41 is, for example, a communication interface for transmitting and receiving data between the payment processing device 1 and the store terminal 3.
The storage unit 42 is a storage medium including a ROM, a RAM, and the like. The storage unit 42 stores a program executed by the control unit 43. The storage unit 42 stores a program that causes the control unit 43 to function as the point identification unit 431, the validity determination unit 432, the settlement amount update unit 433, and the point update unit 434. Further, the storage unit 35 stores a point DB in which the second user ID, the points given to the user of the second user ID, and the expiration date of the points are associated with each other.

The control unit 43 is, for example, a CPU, and functions as a point identification unit 431, an validity determination unit 432, a settlement amount update unit 433, and a point update unit 434 by executing a program stored in the storage unit 42.

When the point specifying unit 431 receives the point information acquisition request including the second user ID from the payment processing device 1, the point specifying unit 431 refers to the point DB and identifies the points associated with the second user ID. The point specifying unit 431 transmits point information indicating the specified point to the payment processing device 1.

When the validity determination unit 432 receives the second user ID, the points used, and the payment amount from the payment processing device 1, it determines whether or not the received points used are valid. For example, the validity determination unit 432 determines whether or not the received usage point is valid based on whether or not the received usage point exceeds the point associated with the received second user ID. do. Further, the validity determination unit 432 determines whether or not the used points are valid based on the expiration date of the points associated with the received second user ID.

It should be noted that the storage unit 42 stores the range of the payment amount that can use the points as the point usage condition, and the validity determination unit 432 validates the points used based on the payment amount received from the payment processing device 1. The sex may be determined.

Further, the validity determination unit 432 may further receive information indicating the store ID and the settlement date and time from the payment processing device 1, and determine the validity of the points used based on the information. For example, can the storage unit 42 store the store ID of the store where the points can be used, and the validity determination unit 432 can use the points to be used when the received store ID is stored in the storage unit 42? May be determined. Further, the storage unit 42 stores the settlement date and time when the points can be used (for example, the campaign period when the points can be used) or the settlement date and time when the points cannot be used, and the received settlement date and time is based on this information. You may judge whether the use point can be used in.

The settlement amount update unit 433 updates the received settlement amount based on the determination result of the validity determination unit 432. Specifically, when the validity determination unit 432 determines that the usage points are valid, the settlement amount update unit 433 updates the payment amount based on the received usage points. For example, the settlement amount update unit 433 considers the points used as an amount and updates the payment amount by deducting the received points from the payment amount. The settlement amount update unit 433 transmits the updated settlement amount to the settlement processing device 1. When the validity determination unit 432 determines that the points used are invalid, the settlement amount update unit 433 transmits the payment amount to the payment processing device 1 without updating the received payment amount.

When the point update unit 434 receives information from the payment processing device 1 indicating that the payment of the payment amount has been completed and the payment has been completed, the point update unit 434 updates the points associated with the second user ID. For example, the point update unit 434 corresponds to the second user ID by subtracting the received used points from the points corresponding to the second user ID received from the payment processing device 1 when determining the validity of the points. Update the points to do. The point update unit 434 calculates points to be given to the user based on the payment amount received from the payment processing device 1 when determining the validity of the points, and the calculated points correspond to the second user ID. May be added to the points to be paid.

[Operation of each part of control unit 13]
Subsequently, the operation of each unit of the control unit 13 will be described.
The point information transmission unit 131 receives the first user ID from the user terminal 2, acquires the points corresponding to the second user ID associated with the received first user ID, and uses the acquired points as the user terminal 2. Send to.

Specifically, first, the point information transmission unit 131 receives the first user ID, the business operator ID corresponding to the second user ID, and the point information acquisition request from the user terminal 2. The point information transmission unit 131 refers to the user cooperation information stored in the storage unit 12 and identifies the second user ID associated with the received first user ID and the business operator ID. The point information transmission unit 131 includes the specified second user ID, and transmits a point information acquisition request to the point management device 4 corresponding to the received business operator ID. Then, the point information transmission unit 131 receives the point information indicating the point associated with the specified second user ID from the point management device 4. The point information transmission unit 131 transmits the point information to the user terminal 2.

The point information transmission unit 131 does not have to receive the business operator ID corresponding to the second user ID when receiving the point information acquisition request from the user terminal 2. In this case, the point information transmission unit 131 refers to the user cooperation information stored in the storage unit 12 and identifies the second user ID and the business operator ID associated with the received first user ID. The point information transmission unit 131 includes the specified second user ID, and transmits a point information acquisition request to the point management device 4 corresponding to each of the specified one or more business operator IDs. Then, the point information transmission unit 131 receives point information indicating the points associated with the specified second user ID from one or more point management devices 4. The point information transmission unit 131 transmits the point information to the user terminal 2. In this case, on the user terminal 2, the points to be used are selected from the business ID and the points corresponding to the business ID.

The issuance request acquisition unit 132 receives from the user terminal 2, the points used, which are the points used by the user among the points indicated by the point information, the first user ID of the user of the user terminal 2, and the user of the user terminal 2 in the store. Obtain a request to issue a payment code for payment with.

When the issuance request acquisition unit 132 acquires the issuance request for the payment code, the token transmission unit 133 generates a payment token for generating the payment code. The token transmission unit 133 stores the first user ID acquired by the issuance request acquisition unit 132, the points used, and the generated settlement token in association with each other in the storage unit 12. Further, the token transmission unit 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request.

The payment information receiving unit 134 reads the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmitting unit 133 from the store terminal 3, the payment token, the store ID, and the user's store. Receive a payment request including the payment amount in.

The payment processing unit 135 executes payment based on the payment amount and store ID received from the store terminal 3, the first user ID corresponding to the payment token received from the store terminal 3, and the points used.

Specifically, when the payment information receiving unit 134 receives the payment request, the payment processing unit 135 determines whether or not the payment token matching the payment token included in the payment request is stored in the storage unit 12. To judge. When the payment processing unit 135 determines that the matching payment token is stored in the storage unit 12, the usage point associated with the payment token and stored in the storage unit 12 and the first user ID are stored. get.

The payment processing unit 135 refers to the user cooperation information stored in the storage unit 12 and identifies the second user ID associated with the acquired first user ID. Then, the payment processing unit 135 transmits the acquired usage points, the specified second user ID, and the payment amount included in the received payment request to the point management device 4, and the usage points are valid. Inquire whether or not. Further, the payment processing unit 135 further transmits information indicating the store ID and the payment date and time received from the store terminal 3 to the point management device 4, and points whether or not the points used are valid based on the information. You may contact the management device 4.

Based on the relationship between the business ID corresponding to the second user ID and the store ID received from the store terminal 3, the payment processing unit 135 can use the points used at the store corresponding to the received store ID. It may be determined whether or not. For example, the storage unit 12 stores information in which the business ID and the store ID of the store in which the business point of the business ID can be used are stored, and the payment processing unit 135 sends the information from the store terminal 3. When the received store ID and the business operator ID corresponding to the second user ID are associated with each other, it may be determined that the points used can be used. When the settlement processing unit 135 determines that the used points can be used, the point management device 4 may inquire whether or not the used points are valid.

When the point management device 4 determines that the points used are valid, the payment processing unit 135 receives the payment amount to which the points used are applied from the point management device 4. When the point management device 4 determines that the points used are invalid, the payment processing unit 135 determines the payment amount to which the points used are not applied, that is, the payment amount equal to the payment amount transmitted to the point management device 4. Received from the point management device 4. The settlement processing unit 135 has received the settlement amount from the point management device 4, but the present invention is not limited to this. The settlement processing unit 135 may receive the validity determination result and determine whether or not to subtract the points used from the settlement amount based on the determination result. For example, the settlement processing unit 135 may subtract the used points from the settlement amount when receiving the determination result that the used points are valid.

The payment processing unit 135 executes a process of deducting the payment amount received from the point management device 4 from the account of the user specified by the acquired first user ID. Further, the payment processing unit 135 executes a process of depositing the payment amount received from the point management device 4 into the account of the store specified by the store ID included in the payment request. The settlement processing unit 135 may deposit an amount obtained by subtracting the settlement fee in the settlement processing device 1 from the settlement amount into the store account. When the payment of the payment amount is completed, the payment processing unit 135 notifies the user terminal 2 and the store terminal 3 that the payment is completed. Further, when the payment of the payment amount is completed, the payment processing unit 135 also transmits to the point management device 4 that the payment is completed.

[Operation sequence]
FIG. 7 is an operation sequence diagram of the payment system S according to the first embodiment. FIG. 8 is an operation sequence diagram following FIG. 7.
The sequence diagram shown in FIG. 7 starts from the point where the user performs a point information display operation on the user terminal 2 (S1). The request transmission unit 252 transmits the first user ID, the business operator ID corresponding to the second point that the user plans to use, and the point information acquisition request to the payment processing device 1 (S2).

When the point information transmission unit 131 of the payment processing device 1 receives the first user ID, the business operator ID, and the point information acquisition request, the point information transmission unit 131 refers to the user cooperation information stored in the storage unit 12 and receives the information. The second user ID associated with the first user ID and the business operator ID is specified (S3). The point information transmission unit 131 includes the specified second user ID, and transmits a point information acquisition request to the point management device 4 corresponding to the received business operator ID (S4).

When the point identification unit 431 of the point management device 4 receives the point information acquisition request from the payment processing device 1, it refers to the point DB and is associated with the second user ID included in the point information acquisition request. Identify the points (S5). The point specifying unit 431 transmits point information indicating the specified point to the payment processing device 1 (S6).
The point information transmission unit 131 of the payment processing device 1 transmits the point information received from the point management device 4 to the user terminal 2 (S7).

The operation reception unit 251 of the user terminal 2 displays the point information received from the payment processing device 1 by the communication unit 22 on the display unit 23, and receives the points to be used from the user (S8).
After that, when the user terminal 2 moves to the store and the user performs a payment code display operation on the user terminal 2 (S9), the request transmission unit 252 uses the first user ID and the usage points received by the user terminal 2. , Issuance request of the payment code is transmitted to the payment processing device 1 (S10).

When the issue request acquisition unit 132 of the payment processing device 1 acquires the first user ID, the points used, and the payment code issuance request from the user terminal 2, the token transmission unit 133 generates the payment code. To generate a payment token for (S11). The token transmission unit 133 stores the usage point, the first user ID, and the generated payment token in the storage unit 12 in association with each other (S12). The token transmission unit 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request (S13).

The explanation is transferred to FIG. The code generation unit 253 of the user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on the display unit 23 (S14). At the store, the user presents the payment code displayed on the user terminal 2, and the reading unit 32 of the store terminal 3 reads the payment code (S15).

Further, the payment information generation unit 361 of the store terminal 3 specifies the price of the product based on the product ID input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32. , Calculate the settlement amount (S16). The payment information transmission unit 363 of the store terminal 3 sends a payment request including the payment amount calculated in S16, the payment token included in the payment code read in S15, and the store ID to the payment processing device 1. Transmit (S17).

Subsequently, the payment information receiving unit 134 of the payment processing device 1 receives a payment request including a payment token, a store ID, and a payment amount from the store terminal 3. When the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 135 acquires the first user ID and usage points associated with the payment token (the payment processing unit 135 acquires the first user ID and usage points associated with the payment token. S18). Subsequently, the payment processing unit 135 refers to the user cooperation information stored in the storage unit 12 and identifies the second user ID associated with the specified first user ID (S19).

The payment processing unit 135 transmits the specified second user ID, the acquired points used, and the payment amount included in the received payment request to the point management device 4, and whether or not the points used are valid. Inquire about (S20).

Subsequently, the validity determination unit 432 of the point management device 4 receives the second user ID, the points used, and the payment amount from the payment processing device 1, and determines whether or not the received points used are valid. (S21). The settlement amount update unit 433 updates the received settlement amount based on the determination result of the validity determination unit 432 (S22), and transmits the updated settlement amount to the settlement processing device 1 (S23).

Subsequently, the payment processing unit 135 of the payment processing device 1 performs payment processing based on the store ID included in the received payment request, the first user ID, and the payment amount received from the point management device 4 (S24). ).

[Modification example]
In the above description, after receiving the payment request from the store terminal 3, the payment processing device 1 transmits the payment amount to the point management device 4, receives the payment amount updated by the point management device 4, and is updated. The payment was made based on the payment amount, but it is not limited to this. For example, the store terminal 3 may transmit the payment amount to the point management device 4 and receive the payment amount updated by the point management device 4. Then, the store terminal 3 may send a payment request including the payment amount updated by the point management device 4 to the payment processing device 1.

FIG. 9 is an operation sequence diagram of the payment system S according to the modified example of the first embodiment. It is assumed that the sequence shown in FIG. 9 follows that of FIG. 7.
The token transmission unit 133 transmits the generated payment token, the points used, and the second user ID to the point management device 4 (S30). The control unit 43 of the point management device 4 stores the received payment token, the points used, and the second user ID in the storage unit 42 in association with each other.

The code generation unit 253 of the user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on the display unit 23 (S31). At the store, the user presents the payment code displayed on the user terminal 2, and the reading unit 32 of the store terminal 3 reads the payment code (S32). The payment information generation unit 361 of the store terminal 3 calculates the payment amount in the same manner as in S16 (S33). The payment information generation unit 361 transmits the calculated payment amount and the payment token to the point management device 4 (S34).

The validity determination unit 432 determines whether or not the payment token received from the payment processing device 1 and stored in the storage unit 42 matches the payment token received from the store terminal 3. When the validity determination unit 432 determines that the payment tokens match, the second user ID and the second user ID received from the payment processing device 1 and stored in the storage unit 42 in association with the payment token. Based on the used points and the payment amount received from the store terminal 3, it is determined whether or not the received used points are valid (S35).

The settlement amount update unit 433 updates the received settlement amount based on the determination result of the validity determination unit 432 (S36), and transmits the updated settlement amount to the store terminal 3 (S37).
When the payment information generation unit 361 of the store terminal 3 receives the updated payment amount from the point management device 4, the payment request including the payment amount, the payment token, and the store ID is sent to the payment processing device 1. Transmit (S38).

Subsequently, the payment information receiving unit 134 of the payment processing device 1 receives a payment request including a payment token, a store ID, and a payment amount from the store terminal 3. When the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 135 acquires the first user ID associated with the payment token (S39). Subsequently, the payment processing unit 135 of the payment processing device 1 performs payment processing based on the store ID and the payment amount included in the received payment request and the acquired first user ID (S40).

[Effect of payment system S according to the first embodiment]
As described above, the payment processing device 1 according to the first embodiment acquires the privilege corresponding to the second user ID associated with the first user ID, and transmits the acquired privilege to the user terminal 2. From the user terminal 2, a usage privilege, which is a privilege used by the user, a first user ID, and a request for issuing a payment code for the user to make a payment at a store are received. Upon receiving the payment code issuance request, the payment processing device 1 transmits a payment token for generating the payment code to the user terminal 2, and the payment code displayed by the user terminal 2 based on the payment token. The payment token and the payment amount at the user's store are received from the store terminal 3 that reads the above, the payment amount, the first user ID corresponding to the payment token received from the store terminal 3, and the usage privilege. Execute payment based on. By doing so, the payment processing device 1 can reduce the workload of the user at the time of accounting.

<Second Embodiment>
[Start the application software provided by the business that grants points and make a code payment]
Subsequently, the payment system S according to the second embodiment will be described. The payment system S according to the second embodiment is different from the first embodiment in that the user terminal 2 activates the application software provided by the business operator that grants points to perform code payment. Hereinafter, the second embodiment will be described with reference to the operation sequence. The same parts as those in the first embodiment will be omitted as appropriate.

FIG. 10 is an operation sequence diagram of the payment system S according to the second embodiment. The sequence diagram shown in FIG. 10 starts from the point where the user activates the application software provided by the business operator who gives points on the user terminal 2 and performs the point information display operation (S101). The request transmission unit 252 transmits the second user ID and the point information acquisition request to the point management device 4 (S102).

When the point identification unit 431 of the point management device 4 receives the point information acquisition request from the user terminal 2, it refers to the point DB and identifies the point associated with the received second user ID (S103). The point specifying unit 431 transmits point information indicating the specified point to the user terminal 2 (S104).

The operation reception unit 251 of the user terminal 2 displays the point information received from the point management device 4 by the communication unit 22 on the display unit 23, and receives the points to be used from the user (S105).
After that, when the user terminal 2 moves to the store and the user performs a payment code display operation on the user terminal 2 (S106), the request transmission unit 252 uses the second user ID and the usage points received by the user terminal 2. , Issuance request of the payment code is transmitted to the payment processing device 1 (S107). The request transmission unit 252 may transmit the second user ID, the points used by the user terminal 2, and the request for issuing the payment code to the payment processing device 1 via the point management device 4. .. Further, the request transmission unit 252 may transmit the first user ID to the payment processing device 1 together with the second user ID.

The issuance request acquisition unit 132 of the payment processing device 1 acquires the second user ID, the points of use, and the issuance request of the payment code from the user terminal 2. The token transmission unit 133 of the payment processing device 1 refers to the user cooperation information and identifies the first user ID associated with the received second user ID (S108). Further, the token transmission unit 133 generates a payment token on condition that the first user ID associated with the received second user ID is specified (S109). The token transmission unit 133 stores the specified first user ID, the points used, and the generated payment token in the storage unit 12 in association with each other (S110). The token transmission unit 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request (S111).

After that, the payment information receiving unit 134 receives the payment token, the payment amount at the user's store, and the store ID from the store terminal 3 that reads the payment code displayed by the user terminal 2 based on the payment token. do. Then, the payment processing unit 135 includes the first user ID associated with the second user ID received from the user terminal 2 and the usage points received from the user terminal 2 stored in association with the payment token. , The payment is executed based on the payment amount and the store ID received from the store terminal 3. Since the details of these processes are the same as those shown in FIG. 8, the description thereof will be omitted.

[Effect of payment system S according to the second embodiment]
As described above, the payment processing device 1 according to the second embodiment has the second user ID associated with the first user ID and the privilege used by the user corresponding to the second user ID from the user terminal 2. Upon receiving the usage privilege and the request for issuing the payment code for the user to make a payment at the store, the payment token for generating the payment code is transmitted to the user terminal 2. When the payment processing device 1 receives the payment token and the payment amount at the user's store from the store terminal 3 that reads the payment code displayed by the user terminal 2 based on the payment token, the payment processing device 1 receives the payment token and the payment amount at the user's store from the user terminal 2. The payment is executed based on the first user ID associated with the received second user ID, the usage privilege received from the user terminal 2, and the payment amount received from the store terminal 3. By doing so, the payment processing device 1 can reduce the workload of the user at the time of accounting, as in the payment processing device 1 according to the first embodiment.

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

1 Payment processing device 2 User terminal 3 Store terminal 4 Point management device 11 Communication unit 12 Storage unit 13 Control unit 21 Operation unit 22 Communication unit 23 Display unit 24 Storage unit 25 Control unit 31 Operation unit 32 Reading unit 33 Communication unit 34 Display unit 35 Storage unit 36 Control unit 41 Communication unit 42 Storage unit 43 Control unit 131 Point information transmission unit 132 Issuance request acquisition unit 133 Token transmission unit 134 Payment information reception unit 135 Payment processing unit 251 Operation reception unit 252 Request transmission unit 253 Code generation Section 361 Settlement information generation section 362 Token generation section 363 Settlement information transmission section 431 Point identification section 432 Validity determination section 433 Settlement amount update section 434 Point update section

Claims (11)

Computer runs,
A step of receiving the first user identification information for identifying the user from the user terminal used by the user, and
The step of acquiring the privilege corresponding to the second user identification information that identifies the user associated with the first user identification information, and
The step of transmitting the acquired privilege to the user terminal and
A step of receiving from the user terminal a usage privilege which is the privilege used by the user and a request for issuing a payment code for the user to make a payment at a store among the benefits.
Upon receiving the payment code issuance request, a step of transmitting a payment token for generating the payment code corresponding to the first user identification information to the user terminal, and a step of transmitting the payment token to the user terminal.
A step of receiving the payment token and the payment amount of the user at the store from the store terminal that has read the payment code displayed by the user terminal based on the payment token.
A step of executing payment based on the payment amount received from the store terminal, the first user identification information corresponding to the payment token received from the store terminal, and the usage privilege.
Payment processing method with. When the computer receives the issuance request of the payment code, the step of transmitting the payment token and the usage privilege to the privilege management device that manages the privilege, and
The store terminal transmits the payment token, the payment amount, and the privilege management device.
When the payment token received from the store terminal and the payment token received from the computer match, the payment amount received from the store terminal and the payment amount received from the computer are said to be received by the privilege management device. A step of updating the received payment amount based on the usage privilege and transmitting the updated payment amount to the store terminal, and
A step in which the store terminal transmits a payment request including the payment token and the payment amount received from the privilege management device to the computer.
Further prepare,
The payment processing method according to claim 1. The step of acquiring the privilege refers to the storage unit that stores the first user identification information in association with the second user identification information, and refers to the second user identification information associated with the acquired first user identification information. Identify the user identification information and acquire the privilege corresponding to the identified second user identification information.
The payment processing method according to claim 1 or 2. In the step of acquiring the privilege, the second user identification information is transmitted to the privilege management device that manages the privilege, and the privilege corresponding to the second user identification information is received from the privilege management device.
The privilege management device further includes a step of transmitting the privilege corresponding to the second user identification information received from the computer to the computer.
The settlement processing method according to any one of claims 1 to 3. Upon receiving the payment token from the store terminal executed by the computer, the computer further has a step of inquiring to the privilege management device that manages the privilege whether or not the usage privilege is valid.
In the step of executing the payment, when the privilege management device determines that the usage privilege is valid, the computer determines the payment amount received from the store terminal and the payment token received from the store terminal. Execute payment based on the corresponding first user identification information and the usage privilege.
The settlement processing method according to any one of claims 1 to 4. In the step of receiving the first user identification information, the computer further receives the business identification information for identifying the business corresponding to the second user identification information from the user.
In the step of acquiring the privilege, the computer acquires the privilege of the second user identification information corresponding to the received business identification information, which is associated with the first user identification information.
The settlement processing method according to any one of claims 1 to 5. Computer runs,
From the user terminal used by the user, the second user identification information for identifying the user associated with the first user identification information for identifying the user and the second user identification information corresponding to the second user identification information are used by the user. A step of receiving a usage privilege, which is a privilege, and a request for issuing a payment code for the user to make a payment at a store, and
Upon receiving the payment code issuance request, a step of transmitting a payment token for generating the payment code to the user terminal, and a step of transmitting the payment token.
A step of receiving the payment token and the payment amount of the user at the store from the store terminal that has read the payment code displayed by the user terminal based on the payment token.
Settlement is made based on the first user identification information associated with the second user identification information received from the user terminal, the usage privilege received from the user terminal, and the payment amount received from the store terminal. And the steps to perform
Payment processing method with. In the step of transmitting the payment token, the computer refers to a storage unit that stores the first user identification information in association with the second user identification information and associates the second user identification information with the received second user identification information. The payment token is transmitted to the user terminal on condition that the first user identification information is present.
The payment processing method according to claim 7. In the step of receiving the payment code issuance request, the computer receives the second user identification information and the first user identification information associated with the second user identification information from the user terminal. ,
The payment processing method according to claim 7. Upon receiving the payment token from the store terminal executed by the computer, the computer further has a step of inquiring to the privilege management device that manages the privilege whether or not the usage privilege is valid.
In the step of executing the payment, when the privilege management device determines that the usage privilege is valid, the computer determines the payment amount received from the store terminal and the payment token received from the store terminal. Execute payment based on the corresponding first user identification information and the usage privilege.
The settlement processing method according to any one of claims 7 to 9. In the step of receiving the first user identification information, the computer further receives the business identification information for identifying the business corresponding to the second user identification information from the user.
In the step of acquiring the privilege, the computer acquires the privilege of the second user identification information corresponding to the received business identification information, which is associated with the first user identification information.
The settlement processing method according to any one of claims 7 to 10.

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