JP2021163173A - Settlement processing method and settlement processing apparatus - Google Patents

Abstract

To reduce the workload of a user for settlement.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 a user terminal 2; a use point acquisition unit 132 which receives points to be sued by a user from the user terminal to be stored in association with the first user ID; an issuance request acquisition unit 133 which acquires a store ID, the amount to be settled by the user in a store, and a request to issue a settlement code, from a store terminal; a token transmission unit 134 which transmits a settlement token to the store terminal; a settlement information receiving unit 135 which receives the settlement token and the first user ID from the user terminal; and a settlement processing unit 136 which executes settlement on the basis of the received first user ID, the use points associated with the first user ID, the amount to be settled and the store ID corresponding to the received settlement token.SELECTED DRAWING: Figure 2

Description

The present invention relates to a payment processing method and a payment processing device.

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 payment processing method and a payment processing device 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 to the user terminal, and a user of the privilege from the user terminal. A step of receiving the usage privilege, which is the privilege to be used, and storing it in the storage unit in association with the first user identification information, a store identification information for identifying the store corresponding to the store terminal from the store terminal, and a store identification information. The step of acquiring the payment amount of the user at the store and the issuance request of the payment code for making a payment, and the payment request for generating the payment code when the issuance request of the payment code is acquired. The payment token and the first user identification information are transferred from the user terminal that has read the payment code displayed by the store terminal based on the step of transmitting the token to the store terminal and the payment token. The receiving step, the first user identification information received from the user terminal, the usage privilege stored in the storage unit in association with the first user identification information, and the payment received from the user terminal. It has a step of executing payment based on the payment amount corresponding to the token and the store identification information.

The payment processing method according to the second 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 to the user terminal, and a user of the privilege from the user terminal. A step of receiving the usage privilege, which is the privilege to be used, and storing it in the storage unit in association with the first user identification information, a store identification information for identifying the store corresponding to the store terminal from the store terminal, and a store identification information. A step of acquiring a payment code issuance request for making a payment, and a step of transmitting a payment token for generating the payment code to the store terminal when the payment code issuance request is obtained. , The payment token, the payment amount of the user at the store, and the first user identification information are received from the user terminal that has read the payment code displayed by the store terminal based on the payment token. Steps to be performed, the first user identification information and the payment amount received from the user terminal, the usage privilege stored in the storage unit in association with the first user identification information, and the usage privilege received from the user terminal. It has a step of executing payment based on the payment amount corresponding to the payment token and the store identification information.

The payment processing device according to the third aspect of the present invention receives the first user identification information that identifies the user from the user terminal used by the user, and is associated with the received first user identification information. The privilege information transmission unit that acquires the privilege corresponding to the second user identification information that identifies the user and transmits the acquired privilege to the user terminal, and the privilege that the user uses among the benefits from the user terminal. The usage privilege acquisition unit that receives the usage privilege and stores it in the storage unit in association with the first user identification information, the store identification information for identifying the store corresponding to the store terminal from the store terminal, and the above. When the issuance request acquisition unit that acquires the payment amount of the user at the store and the issuance request of the payment code for making a payment and the issuance request of the payment code are received, the payment code is generated. The payment token and the first user identification from the token transmission unit that transmits the payment token to the store terminal and the user terminal that reads the payment code displayed by the store terminal based on the payment token. The payment information receiving unit that receives the information, the first user identification information received from the user terminal, the usage privilege stored in the storage unit in association with the first user identification information, and the user. It includes a payment processing unit that executes payment based on the payment amount and the store identification information corresponding to the payment token received from the terminal.

The payment processing device according to the fourth aspect of the present invention receives the first user identification information that identifies the user from the user terminal used by the user, and is associated with the received first user identification information. The privilege information transmission unit that acquires the privilege corresponding to the second user identification information that identifies the user and transmits the acquired privilege to the user terminal, and the privilege that the user uses among the benefits from the user terminal. The usage privilege acquisition unit that receives the usage privilege and stores it in the storage unit in association with the first user identification information, the store identification information for identifying the store corresponding to the store terminal from the store terminal, and the settlement. When the issuance request acquisition unit that acquires the issuance request of the payment code for performing the payment and the issuance request of the payment code are acquired, the payment token for generating the payment code is transmitted to the store terminal. The payment token, the payment amount of the user at the store, and the first user identification from the token transmission unit and the user terminal that reads the payment code displayed by the store terminal based on the payment token. The usage privilege stored in the storage unit in association with the payment information receiving unit that receives the information, the first user identification information and the payment amount received from the user terminal, and the first user identification information. A payment processing unit that executes payment based on the payment amount and the store identification information corresponding to the payment token received from the user 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. It is a figure which shows the functional structure of the payment processing apparatus. It is a figure which shows an example of the user cooperation information. It is a figure which shows the functional structure of a user terminal. It is a figure which shows the functional structure of a store terminal. It is a figure which shows the functional structure of the point management apparatus. It is an operation sequence diagram of a payment system. It is an operation sequence diagram following FIG. It is an operation sequence diagram of the payment system when a store terminal makes a request for issuance of a payment code before a user purchases a product. It is an operation sequence diagram following FIG.

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of the payment system S. The payment system S displays a payment code on the store terminal 3 in response to a request from the store terminal 3 when the user purchases a product at the store, and reads the payment code on the user terminal, which is a payment processing device. It is a system that makes payments according to the items specified in. 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.

The user terminal 2 transmits the first user ID and the points used, which are points received from the user, to the payment processing device 1 ((4) in FIG. 1). When the payment processing device 1 receives the first user ID and the points used from the user terminal 2, the payment processing device 1 stores the first user ID and the points used in association with each other ((5) in FIG. 1).

The user moves to the store and purchases the product at the store. The store clerk reads the barcode attached to the product to be purchased on the store terminal 3 when the user makes an account at the store. The store terminal 3 calculates the payment amount at the store, which indicates the total amount of the products purchased by the user. In addition, the store clerk performs an operation for displaying the payment code on the store terminal 3 on the store terminal 3. The store terminal 3 transmits a payment code issuance request, a payment amount, and a store ID that identifies the store to the payment processing device 1 ((6) in FIG. 1).

Upon receiving the payment code issuance request, the payment amount, and the store ID from the store terminal 3, the payment processing device 1 generates a payment token ((7) in FIG. 1). The payment token is a data string used when the store terminal 3 generates a payment code presented to the user by the store terminal 3. Here, the settlement token may be generated only in the case of a specific store specified by the store ID. The payment processing device 1 stores the generated payment token, the payment amount, and the store ID in the storage medium in association with each other ((8) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the store terminal 3 ((9) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the store terminal 3 after encrypting the payment token.

The store terminal 3 generates and displays a payment code based on the received payment token ((10) in FIG. 1).
The user terminal 2 reads the payment code displayed on the store terminal 3 by, for example, the user's operation ((11) in FIG. 1). The user terminal 2 transmits the first user ID and the payment token indicated by the read payment code to the payment processing device 1 ((12) in FIG. 1).

When the payment processing device 1 receives the first user ID and the payment token from the user terminal 2, it determines whether or not the received payment token matches the payment token transmitted to the store terminal 3. When the payment processing device 1 determines that the payment tokens match, the payment amount and store ID stored in association with the received payment token, the received first user ID, and the first user ID are used. The settlement process is executed based on the usage points associated with and stored in ((13) in FIG. 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. 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 causes the control unit 13 to function as a point information transmission unit 131, a point acquisition unit 132 used, an issuance request acquisition unit 133, a token transmission unit 134, a payment information reception unit 135, and a payment processing unit 136. Memorize the program.

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 points used acquisition unit 132, the issuance request acquisition unit 133, the token transmission unit 134, and the payment information reception unit 135. , And functions as a payment processing unit 136. 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. The user terminal 2 has an operation unit 21, a communication unit 22, a reading unit 23, a display unit 24, a storage unit 25, and a control unit 26. The control unit 26 includes an operation reception unit 261, a request transmission unit 262, and a token transmission unit 263.

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 24. The operation unit 21 notifies the operation reception unit 261 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 transmits the acquired payment token or the like to the payment processing device 1.

The reading unit 23 is, for example, a camera. The reading unit 23 reads the payment code displayed on the store terminal 3.
The display unit 24 is a display that displays various types of information.

The storage unit 25 is a storage medium including a ROM, a RAM, and the like. The storage unit 25 stores a program executed by the control unit 26. The storage unit 25 stores a program that causes the control unit 26 to function as an operation reception unit 261, a request transmission unit 262, and a token transmission unit 263.

The control unit 26 is, for example, a CPU, and functions as an operation reception unit 261, a request transmission unit 262, and a token transmission unit 263 by executing a program stored in the storage unit 25.

The operation reception unit 261 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 261 notifies the request transmission unit 262 of the operation content. When the operation reception unit 261 receives an operation for using the point information, the request transmission unit 262 sends the first user ID and the point information acquisition request to the payment processing device 1 via the communication unit 22. It is transmitted via the communication unit 22. The operation reception unit 261 displays the point information received from the payment processing device 1 by the communication unit 22 on the display unit 24, and receives the points to be used from the user. When the operation reception unit 261 receives the usage point from the user, the request transmission unit 262 transmits the first user ID and the usage point to the payment processing device 1 via the communication unit 22.

The operation reception unit 261 notifies the token transmission unit 263 of the operation content when the specified operation content is an operation for reading the payment code. When the operation reception unit 261 receives an operation for reading the payment code, the token transmission unit 263 causes the reading unit 23 to read the payment code displayed on the store terminal 3. The token transmission unit 263 acquires the information extracted from the payment code by the reading unit 23 as a payment token. The token transmission unit 263 transmits the acquired payment token and the first user ID to the payment processing device 1 via the communication unit 22.

[Functional configuration of store terminal 3]
FIG. 5 is a diagram showing a functional configuration of the store terminal 3. 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 barcode reader that reads a barcode attached to a product purchased by a user. The reading unit 32 outputs the information indicated by the read barcode 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 a payment code issuance request, a payment amount, and a store ID to the payment processing device 1 according to the control of the control unit 36. Further, the communication unit 33 receives the payment token from the payment processing device 1.

The display unit 34 is a display that displays various types of information. The display unit 34 displays, for example, a payment amount or a payment code.

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 the payment information generation unit 361, the payment information transmission unit 362, and the code generation 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 payment information transmission unit 362, and a code generation 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.

When the payment information generation unit 361 calculates the payment amount, the payment information transmission unit 362 transmits a payment code issuance request, the payment amount, and the store ID to the payment processing device 1 via the communication unit 33. do.

When the payment token is transmitted from the payment processing device 1, the code generation unit 363 generates a payment code based on the payment token. The code generation unit 363 generates, for example, a payment code based on a predetermined rule. The code generation unit 363 causes the display unit 34 to display the generated payment code.

[Functional configuration of point management device 4]
FIG. 6 is a diagram showing a functional configuration of the point management device 4. 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.

After the point information transmitting unit 131 transmits the point information to the user terminal 2, the used point acquisition unit 132 uses the points indicated by the point information from the user terminal 2, and the used points, which are the points used by the user, and the first used point. Receive the user ID. The usage point acquisition unit 132 stores the received usage point and the first user ID in the storage unit 12 in association with each other.

The issuance request acquisition unit 133 acquires the store ID of the store corresponding to the store terminal 3, the payment amount at the user's store, and the issuance request of the payment code from the store terminal 3.

When the issuance request acquisition unit 133 acquires the issuance request for the payment code, the token transmission unit 134 generates a payment token for generating the payment code. The token transmission unit 134 stores the store ID acquired by the issuance request acquisition unit 133, the payment amount, and the generated payment token in association with each other in the storage unit 12. Further, the token transmission unit 134 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request.

The payment information receiving unit 135 includes a payment token and a first user ID from the user terminal 2 that has read the payment code displayed by the store terminal 3 based on the payment token transmitted by the token transmission unit 134. Receive a payment request.

The payment processing unit 136 corresponds to the first user ID received from the user terminal 2, the usage points stored in the storage unit 12 in association with the first user ID, and the payment token received from the user terminal 2. Settlement is executed based on the settlement amount and the store ID.

Specifically, when the payment information receiving unit 135 receives the payment request, the payment processing unit 136 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 136 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 136 acquires the payment amount associated with the payment token and stored in the storage unit 12 and the store ID. ..

Further, the payment processing unit 136 acquires the usage points stored in the storage unit 12 in association with the first user ID received from the user terminal 2, and is associated with the first user ID in the user cooperation information. Acquire the second user ID.

Then, the payment processing unit 136 transmits the acquired second user ID and points used, and the payment amount to the point management device 4, and inquires whether or not the points used are valid. Further, the payment processing unit 136 further transmits information indicating the store ID and the payment date and time stored in the storage unit 12 in association with the payment token to the point management device 4, and based on the information, the points used. May be inquired to the point management device 4 as to whether or not is valid.

The payment processing unit 136 uses points at the store that makes the payment based on the relationship between the business ID corresponding to the second user ID and the store ID associated with the payment token and stored in the storage unit 12. It may be determined whether or not it can be used. For example, the storage unit 12 stores information in which the business ID and the store ID of the store where the business point of the business ID can be used are stored, and the payment processing unit 136 stores the information in the payment token. When the store ID associated and stored in the storage unit 12 and the business ID corresponding to the second user ID are associated, it may be determined that the points of use can be used. When the settlement processing unit 136 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 136 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 136 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 136 has received the settlement amount from the point management device 4, but the present invention is not limited to this. The settlement processing unit 136 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 136 may subtract the used points from the settlement amount when receiving the determination result that the used points are valid.

The payment processing unit 136 executes a process of deducting the payment amount received from the point management device 4 from the account of the user specified by the received first user ID. Further, the payment processing unit 136 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 corresponding to the received payment token. The settlement processing unit 136 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 136 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 136 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. 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 262 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 261 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 24, and receives the points to be used from the user (S8). When the operation reception unit 261 receives the usage points from the user, the request transmission unit 262 transmits the first user ID and the usage points to the payment processing device 1 (S9).

The use point acquisition unit 132 receives the use point and the first user ID from the user terminal 2. The usage point acquisition unit 132 associates the received usage point with the first user ID and stores it in the storage unit 12 (S10).

After that, the user terminal 2 moves to the store and brings the selected product to the clerk who uses the store terminal 3. The payment information generation unit 361 of the store terminal 3 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, and is associated with the product ID. The settlement amount is calculated by specifying the price of the product (S11). The payment information transmission unit 362 transmits a payment code issuance request, the calculated payment amount, and the store ID to the payment processing device 1 (S12).

The explanation is transferred to FIG. When the token transmission unit 134 of the payment processing device 1 acquires the payment code issuance request, the payment amount, and the store ID, it generates a payment token for generating the payment code (S13). The token transmission unit 134 stores the generated payment token, the payment amount, and the store ID in the storage unit 12 in association with each other (S14). The token transmission unit 134 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request (S15).

The code generation unit 363 of the store terminal 3 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 34 (S16). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S17). The token transmission unit 263 of the user terminal 2 transmits the payment token obtained from the payment code and the first user ID to the payment processing device 1 (S18).

Subsequently, the payment information receiving unit 135 receives the payment token and the first user ID from the user terminal 2. The payment processing unit 136 identifies the payment amount and the store ID stored in the storage unit 12 in association with the received payment token (S19).

The payment processing unit 136 identifies the usage point stored in the storage unit 12 in association with the received first user ID, refers to the user cooperation information, and is associated with the received first user ID. 2 Specify the user ID (S20). The payment processing unit 136 transmits the specified second user ID, points used, and payment amount to the point management device 4, and inquires whether or not the points used are valid (S21).

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. (S22). The settlement amount update unit 433 updates the received settlement amount based on the determination result of the validity determination unit 432 (S23), and transmits the updated settlement amount to the settlement processing device 1 (S24).

Subsequently, the payment processing unit 136 of the payment processing device 1 performs payment processing based on the store ID specified in S19, the first user ID received from the user terminal 2, and the payment amount received from the point management device 4. Do (S25).

[Modification example]
In the above description, the store terminal 3 makes a request for issuing a payment code to the payment processing device 1 when the user purchases a product, but the present invention is not limited to this. For example, in a store where only products with the same amount of money are handled and the purchase amount of the user's product is constant, the store terminal 3 issues payment information and a payment code before the user purchases the product. The request may be transmitted to the payment processing device 1 in advance.

FIG. 9 is an operation sequence diagram of the payment system S when the store terminal 3 requests the issuance of a payment code before the user purchases a product. FIG. 10 is an operation sequence diagram following FIG.

As shown in FIG. 9, first, the payment information transmission unit 362 transmits a payment code issuance request, a payment amount, and a store ID to the payment processing device 1 (S31).
When the token transmission unit 134 of the payment processing device 1 receives the payment amount, the store ID, and the issuance request of the payment code from the store terminal 3, the token transmission unit 134 generates a payment token (S32). The token transmission unit 134 stores the generated payment token, the payment amount, and the store ID in the storage unit 12 in association with each other (S33). Further, the token transmission unit 134 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request (S34).

When the code generation unit 363 receives the payment token from the payment processing device 1, the code generation unit 363 stores the payment token in the storage unit 35 (S35).

The explanation shifts to FIG. Since the processes from S36 to S45 are the same as the processes from S1 to S10 shown in FIG. 7, the description thereof will be omitted.
At the store, the user selects a product to be purchased and brings the selected product to a clerk who uses the store terminal 3. Here, as described above, in the store, only the products having the same amount of money are handled, and the purchase amount of the user is always constant regardless of the type of the product. Therefore, the code generation unit 363 of the store terminal 3 is stored in the storage unit 35. A payment code based on the stored payment token is generated, and the generated payment code is displayed on the display unit 34 (S46). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S47). The token transmission unit 263 of the user terminal 2 transmits the payment token obtained from the payment code and the user ID to the payment processing device 1 (S48). After that, the settlement processing unit 136, the validity determination unit 432, and the settlement amount update unit 433 perform the same processing as the processing of S19 to S25 shown in FIG.

In this sequence, the payment information transmission unit 362 transmits a payment code issuance request, the payment amount, and the store ID to the payment processing device 1, and the token transmission unit 134 uses the generated payment token. , The received payment amount and the store ID are associated with each other and stored in the storage unit 12, but the present invention is not limited to this. The payment information transmission unit 362 transmits the payment code issuance request and the store ID to the payment processing device 1 without transmitting the payment amount, and the token transmission unit 134 receives the generated payment token. The store ID may be associated with the store ID and stored in the storage unit 12. Then, the token transmission unit 263 of the user terminal 2 receives the payment amount from the user, and transmits the payment token obtained from the read payment code, the user ID, and the received payment amount to the payment processing device 1. You may do it.

Further, in this sequence, when the user purchases a product, the code generation unit 363 generates a payment code based on the payment token stored in the storage unit 35 and displays it on the display unit 34. , Not limited to this. Instead of displaying the payment code on the store terminal 3, the store clerk prints the payment code on paper or the like in advance, and when the user purchases the product, the payment code is printed on the paper or the like. The code may be presented to the user.

[Effect of payment system S]
As described above, the payment processing device 1 acquires the privilege corresponding to the second user ID associated with the first user ID received from the user terminal 2 and transmits the privilege to the user terminal 2 from the user terminal 2. , The usage privilege, which is a privilege used by the user, is received and stored in the storage unit 12 in association with the first user ID. When the payment processing device 1 receives from the store terminal 3 a store ID for identifying the store corresponding to the store terminal 3, the payment amount at the user's store, and a request for issuing a payment code for making a payment. , The payment token for generating the payment code is transmitted to the store terminal 3, and the payment token and the first payment token are read from the user terminal 2 that reads the payment code displayed by the store terminal 3 based on the payment token. Receive the user ID. The payment processing device 1 corresponds to the first user ID received from the user terminal 2, the usage privilege stored in the storage unit 12 in association with the first user ID, and the payment token received from the user terminal 2. Settlement is executed based on the settlement amount and the store ID. By doing so, the payment processing device 1 can reduce the workload of the user at the time of accounting.

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 Reading unit 24 Display unit 25 Storage unit 26 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 Use point acquisition unit 133 Issuance request acquisition unit 134 Token transmission unit 135 Payment information reception unit 136 Payment processing unit 261 Operation reception Part 262 Request transmission part 263 Token transmission part 361 Settlement information generation part 362 Token generation part 363 Settlement information transmission part 431 Point identification part 432 Validity judgment part 433 Settlement amount update part 434 Point update part

Claims (12)

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 the usage privilege, which is the privilege used by the user, from the user terminal, and storing it in the storage unit in association with the first user identification information.
A step of acquiring store identification information for identifying a store corresponding to the store terminal, a payment amount of the user at the store, and a request for issuing a payment code for making a payment from the store terminal.
When the issuance request of the payment code is acquired, a step of transmitting a payment token for generating the payment code to the store terminal and a step of transmitting the payment token to the store terminal.
A step of receiving the payment token and the first user identification information from the user terminal that has read the payment code displayed by the store terminal based on the payment token.
The first user identification information received from the user terminal, the usage privilege stored in the storage unit in association with the first user identification information, and the payment token received from the user terminal. Steps to execute payment based on the payment amount and the store identification information,
Payment processing method with. 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 the usage privilege, which is the privilege used by the user, from the user terminal, and storing it in the storage unit in association with the first user identification information.
A step of acquiring store identification information for identifying a store corresponding to the store terminal and a request for issuing a payment code for making a payment from the store terminal, and
When the issuance request of the payment code is acquired, a step of transmitting a payment token for generating the payment code to the store terminal and a step of transmitting the payment token to the store terminal.
The payment token, the payment amount of the user at the store, and the first user identification information are received from the user terminal that has read the payment code displayed by the store terminal based on the payment token. Steps and
The first user identification information and the payment amount received from the user terminal, the usage privilege stored in the storage unit in association with the first user identification information, and the payment token received from the user terminal. The step of executing the payment based on the payment amount and the store identification information corresponding to
Payment processing method with. 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 user terminal executed by the computer, the computer further has a step of inquiring 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 associates the first user identification information received from the user terminal with the first user identification information. The payment is executed based on the usage privilege stored in the storage unit and the payment amount and store identification information corresponding to the payment token received from the user terminal.
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 terminal.
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. A privilege corresponding to the first user identification information that identifies the user is received from the user terminal used by the user, and the second user identification information that identifies the user associated with the received first user identification information is provided. A privilege information transmission unit that acquires and transmits the acquired privilege to the user terminal,
A usage privilege acquisition unit that receives the usage privilege, which is the privilege used by the user, from the user terminal and stores it in the storage unit in association with the first user identification information.
Issuance request acquisition unit that acquires store identification information for identifying a store corresponding to the store terminal, the payment amount of the user at the store, and an issuance request for a payment code for making a payment from the store terminal. When,
Upon receiving the payment code issuance request, the token transmission unit that transmits the payment token for generating the payment code to the store terminal, and the token transmission unit.
A payment information receiving unit that receives the payment token and the first user identification information from the user terminal that has read the payment code displayed by the store terminal based on the payment token.
The first user identification information received from the user terminal, the usage privilege stored in the storage unit in association with the first user identification information, and the payment token received from the user terminal. A payment processing unit that executes payment based on the payment amount and the store identification information,
Payment processing device. A privilege corresponding to the first user identification information that identifies the user is received from the user terminal used by the user, and the second user identification information that identifies the user associated with the received first user identification information is provided. A privilege information transmission unit that acquires and transmits the acquired privilege to the user terminal,
A usage privilege acquisition unit that receives the usage privilege, which is the privilege used by the user, from the user terminal and stores it in the storage unit in association with the first user identification information.
An issuance request acquisition unit that acquires store identification information for identifying a store corresponding to the store terminal and a payment code issuance request for making a payment from the store terminal.
When the issuance request of the payment code is acquired, the token transmission unit that transmits the payment token for generating the payment code to the store terminal, and the token transmission unit.
The payment token, the payment amount of the user at the store, and the first user identification information are received from the user terminal that has read the payment code displayed by the store terminal based on the payment token. Information receiver for payment and
The first user identification information and the payment amount received from the user terminal, the usage privilege stored in the storage unit in association with the first user identification information, and the payment token received from the user terminal. A payment processing unit that executes payment based on the payment amount and the store identification information corresponding to
Payment processing device. The privilege information transmitting unit refers to a storage unit that stores the first user identification information in association with the second user identification information, and the second user associated with the acquired first user identification information. Identify the identification information and acquire the privilege corresponding to the identified second user identification information.
The payment processing device according to claim 7 or 8. The privilege information transmitting unit transmits the second user identification information to the privilege management device that manages the privilege, and acquires the privilege corresponding to the second user identification information from the privilege management device.
The payment processing device according to any one of claims 7 to 9. When the payment processing unit receives the payment token from the user terminal, the payment processing unit inquires of the privilege management device that manages the privilege whether or not the usage privilege is valid. When the privilege management device determines that the usage privilege is valid, the usage privilege stored in the storage unit in association with the first user identification information received from the user terminal and the first user identification information. And the payment is executed based on the payment amount and the store identification information corresponding to the payment token received from the user terminal.
The payment processing device according to any one of claims 7 to 10. The privilege information transmitting unit further receives the business operator identification information that identifies the business operator corresponding to the second user identification information from the user terminal, is associated with the first user identification information, and receives the above-mentioned thing. Acquire the privilege of the second user identification information corresponding to the trader identification information.
The payment processing device according to any one of claims 7 to 11.

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