JP2021189948A - Settlement processing program, apparatus, and method - Google Patents

Abstract

To improve convenience of a user in a settlement system using biometric information.SOLUTION: When a user settles payment with biometric information for account information of a commodity, etc., to be purchased by the user, a settlement processing apparatus determines whether the total amount exceeds the balance associated with the biometric information of the user, and accepts settlement by a companion for part or all of the amount when the balance is insufficient. The settlement processing apparatus executes processing to transfer the amount paid from the user to the companion when the balance associated with the biometric information of the user is equal to or larger than the amount paid.SELECTED DRAWING: Figure 9

Description

Disclosure techniques relate to payment processing programs, payment processing devices, and payment processing methods.

In recent years, cashless payments such as code payments, credit card payments, immediate debit payments to deposit accounts, and electronic money have been used for payments at cash registers and the like when purchasing products and the like. Further, for cashless payment, a technique has been proposed in which biometric information such as a user's palm vein or fingerprint is used instead of presenting a card or code.

For example, a transaction settlement system has been proposed in which a buyer who cannot own a credit card can easily guarantee his / her own credit at a store or the like and can make a postpay for the shortage of the prepaid. This transaction settlement system includes a prepayment payment device that manages the buyer's prepayment, and a transaction management server having a storage means that stores the deposited prepayment amount information and the buyer's biometric information in association with each other. When this transaction settlement system receives the transaction amount information and the buyer's biometric information, it accesses the transaction management server to acquire the paid prepayment amount information of the buyer, and is based on the prepayment amount information and the transaction amount information. To determine whether or not to pay in advance. Then, when it is determined that the full amount cannot be paid by the advance payment, the transaction settlement system starts a prepaid transaction accompanied by a postpaid transaction for the shortage amount unconditionally or when a predetermined permission condition is satisfied.

Japanese Unexamined Patent Publication No. 2010-72820

When biometric information is used for payment, payment can be made empty-handed without having to prepare a smartphone or card at hand. On the other hand, if you do not have a smartphone or card at hand, there is no means to check the balance immediately before payment at the cash register or the like, and you will notice that the balance is insufficient when paying at the cash register or the like. In addition, not all payment systems support postpaid transactions as in the conventional technology, so if the balance is insufficient, payment may have to be stopped, and users who use the payment system may have to cancel. Convenience is reduced.

In addition, when applying a mechanism that allows children to hold the card, such as a family card of a credit card, to payments using biometric information, restrictions on the products that can be purchased and the maximum amount of money that children can purchase when making payments are restricted. It is possible to set it. In this case as well, it is desirable to be able to reduce the decrease in convenience when payments made by children at the cash register or the like are subject to restrictions.

As one aspect, the disclosed technology aims to improve user convenience in a payment system using biometric information.

As one aspect, the disclosed technique refers to a storage unit in which biometric information for each user and payment information related to payment are stored in association with each other at the time of payment by the first user, and is read from the first user. Acquire payment information corresponding to biometric information. Further, the disclosed technology determines whether or not the payment by the first user is subject to a predetermined restriction based on the acquired payment information. Then, the disclosed technique is different from the first user in that the payment by the first user is subject to the restriction, with respect to all or part of the payment amount for the first user. Accept payments by users.

As one aspect, it has an effect that the convenience of the user in the payment system using biometric information can be improved.

It is a block diagram which shows the schematic structure of the settlement processing system which concerns on 1st to 3rd Embodiment. It is a functional block diagram of the payment processing apparatus which concerns on 1st and 2nd Embodiment. It is a figure which shows an example of the settlement information DB in 1st Embodiment. It is a figure which shows an example of payment information in 1st Embodiment. It is a figure which shows an example of the payment information DB in 1st Embodiment. It is a block diagram which shows the schematic structure of the computer which functions as the payment processing apparatus which concerns on 1st to 3rd Embodiment. It is a flowchart which shows an example of payment processing in 1st Embodiment. It is a flowchart which shows an example of a refund process. It is a schematic diagram for demonstrating an example of payment processing and refund processing. It is a figure which shows an example of the settlement information DB in 2nd Embodiment. It is a figure which shows an example of payment information in 2nd and 3rd Embodiment. An example of the payment information DB in the second and third embodiments is shown. It is a flowchart which shows an example of payment processing in 2nd Embodiment. It is a flowchart which shows an example of the settlement process. It is a sequence diagram for explaining the refund of the advance payment from the person to the companion. It is a functional block diagram of the payment processing apparatus which concerns on 3rd Embodiment. It is a figure which shows an example of a child payment information table. It is a figure which shows an example of a child use information DB. It is a flowchart which shows an example of payment processing in 3rd Embodiment. It is a flowchart which shows an example of an output process.

Hereinafter, an example of the embodiment according to the disclosed technology will be described with reference to the drawings. In each of the following embodiments, a case of performing cashless payment by a payment method set in advance by using the biometric information of the user will be described. Payment methods include, for example, prepaid payment that pays from a pre-charged amount, immediate debit payment from a savings account, credit card payment, and the like.

<First Embodiment>
In the first embodiment, a case where the payment method in cashless payment using biometric information is prepaid payment will be described.

As shown in FIG. 1, the payment processing system 100 according to the first embodiment includes a payment processing device 10 and a plurality of store terminals 32. Each of the payment processing device 10 and the store terminal 32 is connected via a network such as the Internet.

The store terminal 32 is an information processing terminal such as a POS (Point of sale) cash register installed in each store. The store terminal 32 has a display unit for displaying various information, an input unit for selecting or inputting various information, a communication unit for communicating with the payment processing device 10, and an interface for connecting to an external device. Be prepared. The store terminal 32 is connected to a barcode reading device (not shown) and a biometric information reading device 34 via an interface.

The bar code reading device reads the bar code attached to the product or the like purchased by the user and outputs the read bar code information. The biological information reading device 34 is a sensor that optically reads biological information such as fingerprints, veins of the palm, retina, and facial features, and outputs the read biological information. The output biological information can be image data, sensor values, or feature quantities extracted from these.

The store terminal 32 acquires the barcode information output from the barcode reader and generates accounting information about the product or the like purchased by the user. The accounting information includes at least the total amount of goods and the like purchased by the user. The accounting information may include information such as a product code, a product name, and a price of each product. Further, the store terminal 32 acquires the biometric information read and output by the biometric information reading device 34 when the user makes a cashless payment using the biometric information, and transmits the biometric information together with the accounting information to the payment processing device 10. ..

Further, when the store terminal 32 receives a payment instruction from the payment processing device 10, it generates payment information (details will be described later) and transmits it to the payment processing device 10.

Functionally, as shown in FIG. 2, the payment processing device 10 includes an acquisition unit 11, a determination unit 12, a reception unit 13, and a management unit 14. Further, the payment information DB (Database) 21 and the payment information DB 22 are stored in a predetermined storage area of the payment processing device 10.

In the payment information DB 21, biometric information for each user and payment information related to payment are stored in association with each other. The payment information includes information on the currently payable amount according to the payment method used for payment. In the first embodiment, since the case where the payment method is prepaid payment will be described, the payable amount is the charge balance.

FIG. 3 shows an example of the payment information DB 21. In the example of FIG. 3, each row (each record) corresponds to the payment information of each user. In the example of FIG. 3, the payment information is associated with a "user ID" which is user identification information, a "biological information" of the user, and a "balance" indicating a charge balance. The "biological information" is registered in advance by a user who uses the service provided by the payment processing system 100. The details of the "balance" will be described later, but the latest charge balance is stored based on the information managed in the payment information DB 22. The information stored in the payment information DB 21 is not limited to the example shown in FIG. 3, and may include information such as a user's name, contact information such as an e-mail address, gender, and age.

The acquisition unit 11 acquires the accounting information and the biometric information transmitted from the store terminal 32. The acquisition unit 11 refers to the payment information DB 21 and acquires payment information corresponding to the acquired biometric information. The acquisition unit 11 passes the acquired accounting information and settlement information to the determination unit 12. In the following, for convenience of explanation, the user indicated by the biometric information acquired by the acquisition unit 11 together with the accounting information is referred to as "the person".

The determination unit 12 determines whether or not the settlement by the principal is subject to a predetermined restriction based on the accounting information and the settlement information delivered from the acquisition unit 11. Specifically, the determination unit 12 determines that the total amount included in the accounting information is subject to the restriction when it exceeds the charge balance included in the settlement information, that is, when the balance is insufficient. The determination unit 12 notifies the reception unit 13 to that effect when it is subject to the restriction, and sends a payment instruction to the store terminal 32 when it is not subject to the restriction.

When the reception unit 13 is notified by the determination unit 12 that the payment by the person is subject to the restriction, the reception unit 13 will charge another user (hereinafter, simply "accompanying") who is the person's companion for all or part of the total amount. Person ") accepts payments. The "principal" is an example of the "first user" of the disclosed technology, and the "accompanying person" is an example of the "second user" of the disclosed technology.

Specifically, the reception unit 13 accepts payment of a part of the total amount from the person within the range of the charge balance, and also accepts payment of the shortage amount from the companion. Alternatively, the reception unit 13 accepts the payment of the total amount from the companion.

More specifically, the reception unit 13 transmits control information for accepting payment by a companion to the store terminal 32. The control information is, for example, information for displaying on the display unit of the store terminal 32 a screen for selecting whether or not the companion makes a payment and the payment amount (full or partial) when making a payment. Can include. Further, the control information can include information for causing the biometric information reading device 34 to read the biometric information of the companion. As a result, the store terminal 32 executes various selections by the companion and reads the biometric information, and the biometric information of the companion and the payment amount information by the companion are transmitted to the payment processing device 10.

The reception unit 13 causes the determination unit 12 to determine whether or not the charge balance of the companion is insufficient. When the determination unit 12 determines that the balance is not insufficient, the reception unit 13 sends a payment instruction to the store terminal 32, and when it is determined that the balance is insufficient, the reception unit 13 notifies the store that the payment is cancelled. Send to the terminal 32.

The management unit 14 acquires payment information transmitted from the store terminal 32 in response to a payment instruction from the determination unit 12 or the reception unit 13. As shown in FIG. 4, the payment information is, for example, the "user ID" of the person, the "date and time" when the payment is completed, the "summary" of the store or product, the "payment amount of the person", and the user ID of the companion. Includes information such as "accompanying person ID" and "accompanying person payment amount". The "principal payment amount" is the amount paid by the principal among the total amount included in the accounting information, and the "accompanying payment amount" is the amount paid by the companion among the total amount. If the person pays the full amount, the "accompanying ID" and "accompanying payment amount" will be blank. If the companion pays the full amount, the "personal payment amount" will be "0 yen". The management unit 14 divides the acquired payment information into payment information for the person's payment and payment information for the accompanying person's payment, and stores each payment information in the payment information DB 22.

FIG. 5 shows an example of the payment information DB 22. In the example of FIG. 5, the payment information DB 22 includes information of "user ID", "date and time", "entry / exit classification", "summary", "advancement flag", "amount", and "balance". The "user ID" is a user ID included in the payment information for the payment amount of the person, and a companion ID included in the payment information for the payment amount of the companion. The "deposit / withdrawal category" is information indicating the distinction between deposit and withdrawal with respect to the charge amount, and when the payment information is stored, the "withdrawal" indicating withdrawal is stored. A "summary" is a description contained in the payment information. The "advancement flag" stores a flag indicating whether or not the amount to be paid by the person is advance payment. In the example of FIG. 5, in the case of advance payment, the user ID of the person who is the advance destination user is stored as a flag. The "amount" is the amount paid by the person included in the payment information for the amount paid by the person, and the amount paid by the companion included in the payment information for the amount paid by the companion.

The management unit 14 calculates the "balance" of the new payment information by subtracting the amount of the new payment information from the "balance" of the payment information including the latest date and time of the new payment information for each user. ,Remember. The management unit 14 also updates the "balance" of the payment information DB 21 for the user whose "balance" of the payment information DB 22 has been updated.

In addition, when the user charges, the management unit 14 sets the "deposit / withdrawal category" as "payment" indicating payment, the "summary" as information indicating that the charge is charged, and the "amount" as the charged amount. The information is stored in the payment information DB 22, and the "balance" is updated in the same manner as above.

In addition, the management unit 14 periodically refers to the payment information DB 22 and determines whether or not the person's "balance" is equal to or greater than the payment amount paid in advance by the companion (hereinafter referred to as "advancement amount"). .. For example, in the example of FIG. 5, the management unit 14 extracts the payment information in which the user ID is stored as a flag in the "advancement flag" column, and stores the extracted payment information as the "amount" and the flag. The above determination is made by comparing with the "balance" of the person indicated by the user ID. When the "balance" of the person becomes equal to or more than the advance amount, the management unit 14 performs a process of returning the amount of the advance amount from the person to the companion. For example, the management unit 14 sets the "in / out category" column as "outgoing", the "summary" column as "return for advance payment", etc., and the "amount" as the advance amount, in association with the user ID of the person. Is stored in the payment information DB 22. In addition, the management unit 14 sets the "entry / exit classification" column as "entry", the "summary" column as "advance payment receipt", etc., and the "amount" as the advance amount, in association with the user ID of the companion. Is stored in the payment information DB 22. Further, the management unit 14 updates the "advancement flag" of the payment information for the advance payment to information indicating that the refund process has been completed ("completed" in the example of FIG. 5). In this case as well, the management unit 14 also updates the “balance” in the same manner as described above.

The payment processing device 10 can be realized by, for example, the computer 40 shown in FIG. The computer 40 includes a CPU (Central Processing Unit) 41, a memory 42 as a temporary storage area, and a non-volatile storage unit 43. Further, the computer 40 includes an input / output device 44 such as an input unit and a display unit, and an R / W (Read / Write) unit 45 that controls reading and writing of data to the storage medium 49. Further, the computer 40 includes a communication I / F (Interface) 46 connected to a network such as the Internet. The CPU 41, the memory 42, the storage unit 43, the input / output device 44, the R / W unit 45, and the communication I / F 46 are connected to each other via the bus 47.

The storage unit 43 can be realized by an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, or the like. The storage unit 43 as a storage medium stores a payment processing program 50 for causing the computer 40 to function as the payment processing device 10. The payment processing program 50 includes an acquisition process 51, a determination process 52, a reception process 53, and a management process 54. Further, the storage unit 43 has an information storage area 60 for storing information constituting each of the payment information DB 21 and the payment information DB 22.

The CPU 41 reads the payment processing program 50 from the storage unit 43, expands it into the memory 42, and sequentially executes the processes included in the payment processing program 50. The CPU 41 operates as the acquisition unit 11 shown in FIG. 2 by executing the acquisition process 51. Further, the CPU 41 operates as the determination unit 12 shown in FIG. 2 by executing the determination process 52. Further, the CPU 41 operates as the reception unit 13 shown in FIG. 2 by executing the reception process 53. Further, the CPU 41 operates as the management unit 14 shown in FIG. 2 by executing the management process 54. Further, the CPU 41 reads information from the information storage area 60 and expands each of the payment information DB 21 and the payment information DB 22 into the memory 42. As a result, the payment processing and the refund processing described later are executed, and the computer 40 that executes the payment processing program 50 functions as the payment processing device 10. The CPU 41 that executes the program is hardware.

The function realized by the payment processing program 50 can also be realized by, for example, a semiconductor integrated circuit, more specifically, an ASIC (Application Specific Integrated Circuit) or the like.

Next, the operation of the payment processing system 100 according to the first embodiment will be described. When the store clerk who handles the store terminal 32 is instructed to check out with the product or the like purchased by the person himself / herself, the store clerk reads the bar code attached to the product or the like with the bar code reading device. The bar code reading device outputs the read bar code information to the store terminal 32. The store terminal 32 acquires the barcode information output from the barcode reading device, generates accounting information, presents the total amount included in the accounting information to the person, and reads the biological information by the biological information reading device 34. Instruct the person. The biological information reading device 34 outputs the read biological information to the store terminal 32. The store terminal 32 acquires the biometric information output from the biometric information reading device 34 and transmits it to the payment processing device 10 together with the accounting information. Then, when the accounting information and the biometric information are input to the payment processing device 10, the payment processing device 10 executes the payment processing shown in FIG. 7. Further, the payment processing device 10 executes the refund processing shown in FIG. 8 at regular timings (for example, once a day or the like). The payment processing and the refund processing are examples of the payment processing method of the disclosed technology. The payment processing and refund processing will be described in detail below.

First, the payment process will be described with reference to FIG. 7.

In step S11, the acquisition unit 11 acquires the accounting information and the biometric information of the person transmitted from the store terminal 32 and input to the payment processing device 10.

Next, in step S12, the acquisition unit 11 refers to the payment information DB 21 and acquires the payment information corresponding to the acquired biometric information of the person. The acquisition unit 11 passes the acquired accounting information and settlement information to the determination unit 12. If the payment information corresponding to the acquired biometric information does not exist in the payment information DB 21, the acquisition unit 11 notifies the determination unit 12 to that effect.

Next, in step S13, the determination unit 12 determines whether or not the person has been authenticated by the biometric information. When the determination unit 12 receives the payment information from the acquisition unit 11, it determines that the authentication is OK, and the process proceeds to step S14. On the other hand, when the determination unit 12 is notified by the acquisition unit 11 that the payment information corresponding to the biometric information does not exist, the determination unit 12 determines that the authentication is NG, and the process proceeds to step S20.

In step S14, the determination unit 12 determines whether or not the charge balance of the principal is insufficient by determining whether or not the total amount included in the accounting information exceeds the charge balance included in the settlement information. If the balance is insufficient, the process proceeds to step S16, and if the balance is not insufficient, the process proceeds to step S15.

In step S15, the determination unit 12 transmits a payment instruction to the store terminal 32. As a result, in the store terminal 32, the payment of the total amount by the person himself / herself is completed, and the payment information is transmitted from the store terminal 32 to the payment processing device 10. The payment information here is, for example, in the example of FIG. 4, the "accompanying person ID" and the "accompanying person payment amount" are blank payment information. Then, the management unit 14 acquires the payment information, stores it in the payment information DB 22, updates the "balance" of the payment information DB 22 and the payment information DB 21, and ends the payment process.

On the other hand, in step S16, the reception unit 13 acquires the biometric information of the companion and the information of the payment amount by the companion by transmitting the control information for accepting the payment by the companion to the store terminal 32. Then, the reception unit 13 acquires the payment information corresponding to the biometric information of the companion from the payment information DB 21.

Next, in step S17, similarly to step S13, the determination unit 12 determines whether or not the authentication of the companion is OK. If the authentication is OK, the process proceeds to step S18, and if the authentication is NG, the process proceeds to step S20. Even if the companion chooses to refuse the advance payment, the process may proceed to step S20.

In step S18, as in step S14, the determination unit 12 determines that the balance of the accompanying person is insufficient. If the balance is insufficient, the process proceeds to step S20, and if the balance is not insufficient, the process proceeds to step S19.

In step S19, the reception unit 13 transmits a payment instruction to the store terminal 32. As a result, at the store terminal 32, the payment of the total amount by the person and the accompanying person is completed, and the payment information is transmitted from the store terminal 32 to the payment processing device 10. If the companion pays the entire amount, the payment information will be 0 yen. Then, the management unit 14 acquires the payment information, divides the acquired payment information into payment information for the person's payment and payment information for the accompanying person's payment, and stores each payment information in the payment information DB 22. Further, the management unit 14 updates the "balance" of the payment information DB 22 and the payment information DB 21, and the payment process is completed.

On the other hand, in step S20, the reception unit 13 transmits to the store terminal 32 that payment has been canceled, and the payment process is completed.

Next, the refund process will be described with reference to FIG. When the user charges in parallel with the refund process, the management unit 14 stores the payment information indicating the charge in the payment information DB 22 and updates the "balance" of the payment information DB 22 and the payment information DB 21. Execute the process to be performed.

In step S31, the management unit 14 stores one payment information from the payment information DB 22 in the "advancement flag" in which the user ID of the person who is the advance payment destination user is stored as a flag indicating that the payment is made in advance. Extract.

Next, in step S32, the management unit 14 compares the "amount" of the extracted payment information, that is, the advance amount, with the "balance" of the person indicated by the user ID stored as a flag, and the balance of the person ≧. Determine if it is a replacement amount. If the balance of the principal ≥ the advance amount, the process proceeds to step S33, and if the balance of the principal <the advance amount, the process proceeds to step S34.

In step S33, the management unit 14 sets the "entry / exit classification" column as "exit", the "summary" column as "return for advance payment", etc., and sets the "amount" as the advance amount in association with the user ID of the person. The money information is stored in the payment information DB 22. In addition, the management unit 14 sets the "entry / exit classification" column as "entry", the "summary" column as "advance payment receipt", etc., and the "amount" as the advance amount, in association with the user ID of the companion. Is stored in the payment information DB 22. Further, the management unit 14 updates the "advancement flag" of the payment information extracted in step S31 to "finished". The management unit 14 also updates the "balance" of the payment information DB 22 and the payment information DB 21. As a result, the advance amount will be refunded from the person to the companion.

Next, in step S34, the management unit 14 has processed the above steps S32 to S33 for all the payment information in which the flag indicating that the payment is made in advance is stored in the "advancement flag" in the payment information DB 22. Judge whether or not. If there is unprocessed payment information, the process returns to step S31, and if all have been processed, the refund process ends.

Even if a negative determination is made in step S32, a part of the advance payment amount may be refunded to the companion within the range of the person's "balance".

An example of the above payment processing and refund processing will be described with reference to FIG.

For example, as shown in A in FIG. 9, it is assumed that the total amount of money is 10,000 yen when the person himself / herself purchases the goods and the like. That is, it is assumed that the store terminal 32 generates accounting information including information of a total amount of 10,000 yen. Then, as shown in B in FIG. 9, when the person tries to make a payment by holding the biometric information, it is assumed that the balance associated with the biometric information is 5,000 yen. In this case, since the balance becomes insufficient, as shown in C in FIG. 9, the payment processing device 10 accepts payment by the companion via the store terminal 32. Here, if the companion chooses to pay the shortfall amount out of the total amount in advance, as shown in D in FIG. 9, the store terminal 32 pays the person's payment amount of 5,000 yen and accompanies him / her. Payment information including information of a person's payment amount of 5,000 yen is generated and transmitted to the payment processing device 10. This payment information is stored in the payment information DB 22, and the balance of the person is 0 yen and the balance of the companion is 5,000 yen.

In addition, as shown in F in FIG. 9, the balance of the person increased to 10,000 yen, such as when the battery was charged or when the advance payment was refunded to another user. do. In this case, since the balance of the person is 5,000 yen or more for the accompanying person, the replacement amount of 5,000 yen is refunded from the person to the accompanying person as shown in G in FIG.

As described above, according to the payment processing system according to the first embodiment, the payment processing device stores the payment information in which the biometric information for each user and the payment information including the balance are associated with each other at the time of payment by the person himself / herself. The payment information corresponding to the biometric information of the person is acquired from the DB. Further, the payment processing device determines whether or not the payment by the principal is insufficient in balance based on the acquired payment information. Then, when the balance of the payment by the person is insufficient, the payment processing device accepts the payment by the person's companion for all or part of the total amount. As a result, even if the balance becomes insufficient at the time of payment using biometric information whose balance cannot be confirmed immediately before and the payment system does not support postpayment, the payment can be completed. That is, it is possible to improve the convenience of the user in the payment system using biometric information.

Further, the payment processing device according to the first embodiment performs a process of refunding the payment amount by the companion from the person to the companion when the balance of the person becomes equal to or more than the advance amount by the companion. This makes it possible to further improve the convenience of the user.

In the first embodiment, since the case where the payment method is prepaid payment has been described, an example in which the payable amount is the charge balance has been described, but the present invention is not limited to this. For example, when the payment method is immediate withdrawal from the deposit account, the payable amount may be the deposit balance of the withdrawal account. If the payment method is credit card payment, the payable amount may be the amount obtained by subtracting the used amount in the relevant period from the shopping usage limit.

Further, in the first embodiment, when the balance of the payment by the person is insufficient, it is possible to select either the payment by the companion or the payment by the person different from the payment using the biological information. good. Other payments include, for example, cash payment, cashless payment after presenting a credit card, QR code (registered trademark), or the like.

<Second Embodiment>
Next, the second embodiment will be described. In the second embodiment, a case where the payment method in cashless payment using biometric information is credit card payment will be described. In the payment processing system according to the second embodiment, the same components as those of the payment processing system 100 according to the first embodiment are designated by the same reference numerals and detailed description thereof will be omitted.

As shown in FIG. 1, the payment processing system 200 according to the second embodiment includes a payment processing device 210 and a plurality of store terminals 32. The payment processing device 210 and each of the store terminals 32 are connected via a network such as the Internet.

Functionally, as shown in FIG. 2, the payment processing device 210 includes an acquisition unit 11, a determination unit 212, a reception unit 13, and a management unit 214. Further, the payment information DB 221 and the payment information DB 222 are stored in a predetermined storage area of the payment processing device 210.

Similar to the payment information DB 21 in the first embodiment, the payment information DB 221 stores biometric information for each user and payment information including information on the payable amount in association with each other. In the second embodiment, in order to explain the case where the payment method is credit card payment, the payable amount is the amount obtained by subtracting the used amount in the corresponding period from the shopping usage limit (hereinafter, "usable balance"). ).

FIG. 10 shows an example of the payment information DB 221. In the example of FIG. 10, each row (each record) corresponds to the payment information of each user. In the example of FIG. 10, the payment information includes "user ID", "biological information", "identification classification", "payment method", "usage limit", and "usable balance". It is associated.

The "identity classification" is information indicating the identity of the user, and here, it is assumed to be information indicating whether or not the user can pay. The pay-as-you-go is to pay by a postpaid payment method different from the credit card payment used in this system when there is no available balance. In the example of FIG. 10, a user who can make a payment is defined as "VIP", and a user who cannot make a payment is defined as "normal".

The "payment method" is information on the payment method when making a payment for a user whose identification is "VIP". The pay-as-you-go method can be, for example, payment by a credit card different from the credit card used in this system, transfer payment according to an invoice sent by e-mail or mail, or the like.

The determination unit 212 determines whether or not the settlement by the principal is subject to a predetermined restriction based on the accounting information and the settlement information delivered from the acquisition unit 11. Specifically, the determination unit 212 pays in addition when the total amount included in the accounting information exceeds the available balance included in the payment information, that is, when the payment exceeds the usage limit for the relevant month. Judge whether or not to set. Specifically, the determination unit 212 determines whether or not the user is a user who can make a payment, that is, a user whose status is "VIP" and who has selected to make a payment. In the case of pay-as-you-go, the determination unit 212 transmits an instruction for payment by pay-as-you-go to the store terminal 32.

If the total amount exceeds the available balance, the determination unit 212 deletes one or more of the products included in the accounting information from the accounting information to determine whether the total amount is within the available balance. Is determined. If the remaining amount is within the available balance due to the deletion of the product, the determination unit 212 transmits a payment instruction based on the accounting information after the product is deleted to the store terminal 32. Further, when the total amount exceeds the available balance, the determination unit 212 determines whether or not the payment amount for the corresponding month by the installment payment is within the available balance by selecting the installment payment. If the remaining amount is within the available balance due to the installment payment, the determination unit 212 transmits an instruction for payment by the installment payment to the store terminal 32.

The determination unit 212 can make the above determination by transmitting control information for selecting whether to make a payment, delete a product, or make an installment payment to the store device. For example, the control information is for displaying each screen for selecting whether or not to make a payment, selecting a product to be deleted, and whether or not to make an installment payment on the display unit of the store terminal 32. Information can be included.

If the total amount exceeds the available balance, payment is not possible or selected, and the total amount exceeds the available balance due to either deletion of the product or installment payment, the judgment unit 212 will settle the payment by the person himself / herself. It is determined that the product is subject to the restriction, and the reception unit 13 is notified to that effect.

The management unit 214 acquires payment information transmitted from the store terminal 32 in response to a payment instruction from the determination unit 212 or the reception unit 13. As shown in FIG. 11, the payment information in the second embodiment is, as shown in FIG. 11, in addition to the payment information in the first embodiment (for example, FIG. Includes information on "payment categories". The management unit 214 divides the acquired payment information into payment information for the person's payment and payment information for the accompanying person's payment, and stores each payment information in the payment information DB 222.

FIG. 12 shows an example of the payment information DB 222. In the example of FIG. 12, the payment information DB 222 includes information of "user ID", "date and time", "payment category", "summary", "amount", and "monthly usage amount". The "user ID", "date and time", "summary", and "amount" are the same as those of the payment information DB 22 in the first embodiment.

The "payment category" is the payment category included in the payment information for the person's payment, and is information indicating that the companion's payment is an advance payment. In the example of FIG. 12, the user ID of the person who is the user of the advance payment destination is stored together with the notation of “advance payment”. The "monthly usage amount" is the monthly usage amount, and is the cumulative amount of the "amount" of payment information included in the period in which the "date and time" indicates each month. The period indicating each month is the period separated by the closing date of the credit card. Note that pay-as-you-go payments are not included in the "monthly usage amount" because payments are made using credit cards other than those used in this system.

The management unit 214 adds the amount of the new payment information to the "monthly usage amount" of the payment information including the latest date and time of the new payment information for each user, so that the "monthly usage amount" of the new payment information is added. "Calculate and memorize. For the user whose "monthly usage amount" of the payment information DB 222 has been updated, the management unit 214 calculates the usable balance by subtracting the updated "monthly usage amount" from the "usage limit amount" in the payment information DB221. And update the "Available balance".

In addition, the management unit 214 executes a settlement process including a refund for the advance payment on the closing date of the credit card. Specifically, the management unit 214 extracts the payment information whose "date and time" is included in the corresponding month from the payment information stored in the payment information DB 222, and aggregates the amounts other than the payment by the "payment category". do. Then, the management unit 214 executes a withdrawal process of generating withdrawal information for withdrawing the amount aggregated from the preset bank account on the designated withdrawal date and transmitting it to the relevant bank. In addition, the management unit 214 processes payment information whose "payment category" is installment payment so that it will be subject to withdrawal even after the next month. Since these processes are general processes related to the withdrawal of credit card payment, detailed description thereof will be omitted.

In addition, the management unit 214 performs billing processing for payment information for which the "payment category" is paid according to the method set in the "payment method" of the payment information DB 221. For example, when the payment method is another credit card payment, the management unit 214 transmits the payment information to the payment system that handles the other credit card. Further, for example, when the payment method is a transfer according to the invoice, the management unit 214 creates an invoice based on the payment information and sends it to the user. Sending to the user can be sent to a pre-registered e-mail address, sent to a pre-registered address by mail, or the like.

Further, when the "payment category" is advance payment, the management unit 214 transmits a refund request for the advance payment to the settlement process for the user indicated by the user ID stored in the "payment category" column. Further, when the management unit 214 receives a refund request for the advance payment from the settlement process of another user, the management unit 214 reduces the advance payment amount from the usage limit of the month following the corresponding month. Then, the management unit 214 executes the withdrawal process of the advance amount in the settlement process of the user who received the refund request at the time of the withdrawal of the month following the corresponding month, and also executes the withdrawal process of the advance amount in the settlement process of the user who sent the refund request. Perform refund processing. The refund process is, for example, a process of generating information for applying the advance amount to the withdrawal account of the user who sent the refund request and sending it to the relevant bank.

The payment processing device 210 can be realized by, for example, the computer 40 shown in FIG. The storage unit 43 of the computer 40 stores a payment processing program 250 for causing the computer 40 to function as the payment processing device 210. The payment processing program 250 includes an acquisition process 51, a determination process 252, a reception process 53, and a management process 254. Further, the storage unit 43 has an information storage area 260 in which information constituting each of the payment information DB 221 and the payment information DB 222 is stored.

The CPU 41 reads the payment processing program 250 from the storage unit 43, expands it into the memory 42, and sequentially executes the processes included in the payment processing program 250. The CPU 41 operates as the determination unit 212 shown in FIG. 2 by executing the determination process 252. Further, the CPU 41 operates as the management unit 214 shown in FIG. 2 by executing the management process 254. Further, the CPU 41 reads information from the information storage area 260 and expands each of the payment information DB 221 and the payment information DB 222 into the memory 42. Other processes are the same as those of the payment processing program 50 according to the first embodiment. As a result, the payment processing and the settlement processing described later are executed, and the computer 40 that executes the payment processing program 250 functions as the payment processing device 210.

The function realized by the payment processing program 250 can also be realized by, for example, a semiconductor integrated circuit, more specifically, an ASIC or the like.

Next, the operation of the payment processing system 200 according to the second embodiment will be described. In the second embodiment, the payment processing device 210 executes the payment processing shown in FIG. Further, the payment processing device 210 executes the settlement processing shown in FIG. 14 at the timing of the closing date of the credit card. The payment processing and the settlement processing are examples of the payment processing method of the disclosed technology. Hereinafter, payment processing and settlement processing will be described in detail.

First, the payment process in the second embodiment will be described with reference to FIG. In the payment process according to the second embodiment, the same process as the payment process (FIG. 7) in the first embodiment is assigned the same step number and detailed description thereof will be omitted.

In step S11, the acquisition unit 11 acquires the accounting information and the biometric information of the person, and in step S12, the acquisition unit 11 acquires the payment information corresponding to the acquired biometric information of the person. Next, in step S13, the determination unit 212 determines whether or not the person has been authenticated by the biometric information. If the authentication is OK, the process proceeds to step S214, and if the authentication is NG, the process proceeds to step S20.

In step S214, whether the determination unit 212 intends to make a payment exceeding the usage limit for the relevant month by determining whether or not the total amount included in the accounting information exceeds the available balance included in the payment information. Judge whether or not. If the usage limit is exceeded, the process proceeds to step S225, and if the usage limit is not exceeded, the process proceeds to step S215.

In step S215, the determination unit 212 transmits a payment instruction to the store terminal 32. As a result, in the store terminal 32, the payment of the total amount by the person himself / herself is completed, and the payment information is transmitted from the store terminal 32 to the payment processing device 210. The payment information here is, for example, in the example of FIG. 11, the "accompanying person ID" and the "accompanying person payment amount" are blank, and the "payment category" is the payment information of "lump sum payment". Then, the management unit 214 acquires the payment information, stores it in the payment information DB 222, updates the "monthly usage amount" of the payment information DB 222, and updates the "usable balance" of the payment information DB 221, and the payment process ends.

In step S225, the determination unit 212 refers to the payment information DB 221 and determines whether or not the user is a user who can make a payment, that is, a user whose identity classification is "VIP". In the case of "VIP", the determination unit 212 determines whether or not the person himself / herself has selected to make a payment by transmitting control information for accepting whether or not to make a payment to the store terminal 32. judge. In the case of pay-as-you-go, the process proceeds to step S215. When the process proceeds to step S215 via step S225, the determination unit 212 sends a payment instruction by pay-as-you-go to the store terminal 32, so that the management unit 214 receives payment information whose "payment category" is "payment". get.

On the other hand, if the identity classification of the principal is not "VIP", or if the principal does not choose to pay, the process proceeds to step S226. In step S226, the determination unit 212 accepts the deletion of the product by transmitting the control information for accepting the deletion of the product included in the accounting information to the store terminal 32. Then, whether or not the total amount is within the available balance by deleting one or more products from the accounting information among the products included in the accounting information, that is, the usage amount in the corresponding month is determined by the determination unit 212. Determine if it is within the usage limit. If the usage limit is reached by deleting the product, the process proceeds to step S215. When the process proceeds to step S215 via step S226, the determination unit 212 sends a payment instruction based on the accounting information after the product is deleted to the store terminal 32, so that the management unit 214 pays based on the accounting information after the product is deleted. Get information.

On the other hand, if the deletion of the product is not instructed, or if the usage limit is exceeded even by deleting the product, the process proceeds to step S227. In step S227, the determination unit 212 accepts the selection of installment payment by transmitting the control information for accepting whether or not to select the installment payment to the store terminal 32. Then, the determination unit 212 determines whether or not the total amount is within the available balance by installment payment, that is, whether or not the usage amount for the corresponding month is within the usage limit. If the usage limit is reached due to the installment payment, the process proceeds to step S215. When the process proceeds to step S215 via step S227, the determination unit 212 transmits an instruction for payment by installment payment to the store terminal 32, so that the management unit 214 acquires payment information whose "payment category" is "installment payment". ..

On the other hand, if the installment payment is not selected, or if the usage limit is exceeded even by the installment payment, the process proceeds to step S16. In step S16, the reception unit 13 acquires the biometric information of the companion and the payment amount information of the companion by transmitting the control information for accepting the payment by the companion to the store terminal 32. Then, the reception unit 13 acquires the payment information corresponding to the biometric information of the companion from the payment information DB 221.

Next, in step S17, similarly to step S13, the determination unit 212 determines whether or not the authentication of the companion is OK. If the authentication is OK, the process proceeds to step S218, and if the authentication is NG, the process proceeds to step S20.

In step S218, similarly to step S214, the determination unit 212 determines whether or not the usage amount for the corresponding month including the advance amount by the companion exceeds the usage limit amount. Further, the determination unit 212 determines whether or not the advance amount by the companion exceeds the usage limit for the next month of the person. This is to prevent the advancement exceeding the usage limit from being permitted in order to refund the advance amount from the person to the companion at the time of the settlement processing in the next month. If the usage limit is exceeded, the process proceeds to step S20, and if the usage limit is not exceeded, the process proceeds to step S219.

In step S219, the reception unit 13 transmits a payment instruction to the store terminal 32. As a result, at the store terminal 32, the payment of the total amount by the person and the accompanying person is completed, and the payment information is transmitted from the store terminal 32 to the payment processing device 210. If the companion pays the entire amount, the payment information will be 0 yen. Then, the management unit 214 acquires the payment information, divides the acquired payment information into the payment information for the person's payment and the payment information for the accompanying person's payment, and stores each payment information in the payment information DB 222. Further, the management unit 214 updates the "monthly usage amount" of the payment information DB 222 and the "usable balance" of the payment information DB 221, and the payment process ends.

In the above payment process, the case of selectively selecting the payment, the deletion of the product, and the installment payment has been described, but a payment method combining these may be accepted.

Next, the settlement process will be described with reference to FIG.

In step S231, the management unit 214 extracts the payment information whose "date and time" is included in the corresponding month from the payment information stored in the payment information DB 222, and aggregates the amounts other than the payment by the "payment category". .. In addition, the management unit 214 processes the payment information whose "payment category" is installment payment so that it will be subject to withdrawal even after the next month, and executes the withdrawal processing for the current month.

Next, in step S232, the management unit 214 performs billing processing for the payment information for which the "payment category" is paid according to the method set in the "payment method" of the payment information DB 221.

Next, in step S233, the management unit 214 performs a withdrawal process and a refund process for the advance payment made by the companion, that is, the advance payment borrowed by the person based on the refund request received at the time of the settlement process of the previous month. Run. As a result, the amount of advance payment by the companion is applied to the withdrawal account of the companion, and the amount of advance payment is refunded from the person himself / herself to the companion.

Next, in step S234, the management unit 214 pays for the payment information for the current month whose "payment category" is the advance payment, that is, the advance payment lent by the person as a companion of another user. Information is aggregated for each user ID stored in the "payment category" column. Then, the management unit 214 transmits a refund request for the advance payment to the settlement process for the user indicated by the user ID stored in the "payment category" column.

Next, in step S235, when the management unit 214 receives a refund request for the advance amount borrowed by the person from another user's settlement process in the current month, the advance amount is calculated from the preset usage limit amount. The reduced amount is set as the usage limit for the following month. Then, the settlement process is completed.

The refund process from the companion to the principal will be described in detail with reference to the sequence diagram shown in FIG. In the sequence diagram shown in FIG. 15, the same step numbers are assigned to the payment processing shown in FIG. 13 and the processing corresponding to the settlement processing shown in FIG.

First, when the advance payment by the companion occurs, the payment information of the payment category "advance payment" is generated in the payment processing for the companion and stored in the payment information DB 222 (S219). Then, based on the payment information, in the settlement processing for the accompanying person, the withdrawal processing for the current month including the advance payment is executed (S231). Further, in the settlement process for the accompanying person, a refund request is transmitted for the settlement process for the person himself / herself (S234).

In the settlement process for the person who received the refund request, the amount for the advance payment is deducted from the usage limit for the following month (S235). Then, in the settlement process of the next month for the principal, the withdrawal process and the refund process of the advance amount are executed based on the received refund request, and the advance amount is applied to the companion's account (S233).

As described above, according to the payment processing system according to the second embodiment, when the payment by the person himself / herself exceeds the usage limit of the credit card in the corresponding month, the payment processing device is the same as the first embodiment. Accepts payments by the person's companion. This makes it possible to improve the convenience of the user in the payment system using biometric information, as in the first embodiment.

In addition, on the closing date of the credit card, the usage limit will be updated for the next month, so that the usage limit of the person will be equal to or greater than the advance amount by the companion. Then, the payment processing device refunds the advance amount from the person himself / herself to the companion in the settlement processing on the closing date. Thereby, as in the first embodiment, the convenience of the user can be further improved.

In the first and second embodiments, the case where the payment by the companion is a payment using biometric information has been described, but the payment by the companion may be another payment. If the companion's payment is another payment, the store terminal will not send the companion's biometric information and payment amount to the payment processing device, but when the companion's advance payment completes the payment of the total amount. Payment information may be transmitted to the payment processing device.

<Third Embodiment>
Next, the third embodiment will be described. In the third embodiment, a case where the payment method in cashless payment using biometric information is credit card payment and has the function of a family card will be described. In the payment processing system according to the third embodiment, the same components as those of the payment processing system 200 according to the second embodiment are designated by the same reference numerals and detailed description thereof will be omitted.

Here, the function of the family card in the third embodiment will be described. The family card function is a function that allows the primary member's family to use the payment method using the primary member's credit card in common. In the function of the family card using biometric information, the main member's family does not have a family card, but by holding the biometric information over it, the payment method by the primary member's credit card is used. The main member is an example of the "main user" and the "second user" of the disclosed technology, and the family of the main member is an example of the "first user" of the disclosed technology. In the following, the case where the main member is a parent and the main member's family is the child will be described.

As shown in FIG. 1, the payment processing system 300 according to the third embodiment includes a payment processing device 310 and a plurality of store terminals 32. The payment processing device 310 and each of the store terminals 32 are connected via a network such as the Internet.

Functionally, as shown in FIG. 16, the payment processing device 310 includes an acquisition unit 311, a determination unit 312, a reception unit 313, and a management unit 314. Further, the payment information DB 321 and the payment information DB 222 and the child usage information DB 323 are stored in the predetermined storage area of the payment processing device 310.

The payment information DB 321 includes a parent payment information table 321A and a child payment information table 321B. The parent payment information table 321A is the same as the payment information DB 221 in the second embodiment shown in FIG.

FIG. 17 shows an example of the child payment information table 321B. In the example of FIG. 17, each row (each record) corresponds to payment information for each child. The payment information for the child is the "child ID" which is the user ID of the child, the "biological information" of the child, the "parent ID" which is the user ID for the user who is the parent of the child, and the child makes the payment. It is associated with "limitation", which is information about the limitation. The "parent ID" is an example of "information that identifies the main user with respect to the user" of the disclosed technology. The "restriction" can be, for example, an upper limit of the payment amount in one payment, an upper limit of the usage amount in the corresponding month, a product or service that can be purchased or prohibited. The "restriction" is set in advance by the parent of the child, for example. The payment information about the child may also include information such as the child's name, gender, and contact information such as an e-mail address.

The acquisition unit 311 acquires the accounting information and the biometric information transmitted from the store terminal 32. The acquisition unit 311 searches for and acquires the payment information corresponding to the acquired biometric information from each of the parent payment information table 321A and the child payment information table 321B of the payment information DB 321. At this time, when the acquisition unit 311 acquires the payment information corresponding to the acquired biometric information from the child payment information table 321B, the parent payment information table 321A is based on the "parent ID" included in the payment information about the child. From, the parent's payment information is also acquired. The acquisition unit 311 passes the acquired accounting information and settlement information to the determination unit 312.

The determination unit 312 determines whether or not the settlement by the principal is subject to the restriction, as in the determination unit 212 in the second embodiment. In addition, the determination unit 312 determines whether the person is a parent or a child. Specifically, the determination unit 312 determines that the person is a child when the payment information about the child is acquired as the payment information, and when only the payment information of the parent is acquired, the person is the parent. Is determined to be. When the determination unit 312 determines that the person is the parent, the determination unit 312 determines whether or not the settlement by the person is subject to the restriction, as in the second embodiment.

Further, when the determination unit 312 determines that the person is a child, the determination unit 312 determines whether or not the person is subject to the restriction based on the accounting information and the "restriction" included in the payment information about the child. Specifically, the determination unit 312 determines whether the total amount included in the accounting information or the price of each product exceeds the upper limit set in the "limit". Further, the determination unit 312 determines whether or not the product included in the accounting information corresponds to a product that can be purchased or is prohibited from being purchased in the "restriction". For example, in the case where the prohibition of purchasing games is set in the "restriction", if the product included in the accounting information is a game, the determination unit 312 determines that the product is subject to the restriction.

If the determination unit 312 determines that the payment by the principal is not subject to the restriction, it sends a payment instruction to the store terminal 32, and if it determines that the payment is subject to the restriction, the determination unit 312 notifies the reception unit 313 to that effect. Notice. Further, the determination unit 312 determines the determination result of whether or not the person is subject to the restriction when the person is a child, and if the person is subject to the restriction, the determination unit 314 contains the content of the target "restriction". Notify to.

When the determination unit 312 notifies that the payment by the person is subject to the restriction, the reception unit 313 accepts the payment by the companion as in the reception unit 13 in the second embodiment. At this time, if the person is a child, the reception department 313 permits only the parent of the child as a companion. Specifically, when the reception unit 313 acquires the biometric information of the companion, whether or not the user ID corresponding to the biometric information matches the "parent ID" included in the payment information of the child who is the principal. To determine that the companion is the parent.

The reception unit 313 causes the determination unit 312 to determine whether or not the payment amount of the companion exceeds the available balance. The reception unit 313 sends a payment instruction to the store terminal 32 when it is determined by the determination unit 312 that the available amount is not exceeded, and when it is determined that the available amount is exceeded, the payment is canceled. That is transmitted to the store terminal 32. In addition, if the person is a child and the payment is canceled, the reception department 313 pays the payment including accounting information, payment information of the parent and the child, the date and time when the payment is decided to be canceled, and the fact that the payment is canceled. The cancellation information is also notified to the management unit 314.

The management unit 314 acquires payment information transmitted from the store terminal 32 in response to a payment instruction from the determination unit 312 or the reception unit 313. The payment information in the third embodiment is the same as the payment information in the second embodiment shown in FIG. The management unit 314 divides the acquired payment information into payment information for the person's payment and payment information for the accompanying person's payment, and stores each payment information in the payment information DB 222. In addition, the management unit 314 updates the "monthly usage amount" of the payment information DB 222 and the "usable balance" of the parent payment information table 321A of the payment information DB 321. If the person is a child, the management department 314 subtracts the latest "monthly usage amount" of each of the parent and all the children of the parent from the "usage limit" of the parent's payment information, so that the parent's payment information Update "Available balance".

Further, the management unit 314 stores the child usage information in the child usage information DB 323 based on the payment information about the child, the restriction target information notified from the determination unit 312, and the payment cancellation information notified from the reception unit 313. do. FIG. 18 shows an example of the child usage information DB 323. In the example of FIG. 18, each row (each record) corresponds to one use by a child, that is, usage information corresponding to one accounting information. The usage information includes "parent ID", "child ID", "date and time", "application", "amount", "restriction", and "result" information.

Specifically, the management unit 314 uses the date and time, application, and amount specified from the payment information about the child or the accounting information included in the payment cancellation information in association with the parent ID of the child's parent. It is stored in the corresponding item column of the information DB 323. Further, the management unit 314 stores the content indicated by the restricted target information in the "restricted" column. Further, when the companion ID and the companion payment amount of the payment information are blank, the management unit 314 provides information indicating that the child has paid in the "result" column ("personal payment" in the example of FIG. 18). Remember. In addition, the management unit 314 indicates that the parent who is the companion has paid a part or all of the total amount in the "result" column when the companion ID and the companion payment amount in the payment information are not blank. The information to be shown (“parent payment” in the example of FIG. 18) is stored. Further, when the management unit 314 is notified of the payment cancellation information from the reception unit 313, the management unit 314 displays information indicating that the payment has been canceled (“payment cancellation” in the example of FIG. 18) in the “result” column. Remember.

When the management unit 314 receives a reference request for the child's usage information from the parent user, the management unit 314 extracts the usage information including the "parent ID" that matches the user ID of the user who requested the reference from the child usage information DB 323. Create a list. Then, the management unit 314 transmits the created list to an information processing terminal such as a smartphone, a tablet terminal, or a personal computer used by the user who requested the reference. As a result, the information processing terminal of the user who is the parent can refer to the usage information of the child of the parent. Parents can review, for example, restriction settings by referring to their child's usage information.

The management unit 314 executes the settlement process on the closing date of the credit card in the same manner as the management unit 214 in the second embodiment. When the parent pays the child in advance, the payment method is the same for the parent and the child, that is, the withdrawal account is the same. No refund processing is required.

The payment processing device 310 can be realized by, for example, the computer 40 shown in FIG. The storage unit 43 of the computer 40 stores a payment processing program 350 for causing the computer 40 to function as the payment processing device 310. The payment processing program 350 has an acquisition process 351, a determination process 352, a reception process 353, and a management process 354. Further, the storage unit 43 has an information storage area 360 in which information constituting each of the payment information DB 321, the payment information DB 222, and the child usage information DB 323 is stored.

The CPU 41 reads the payment processing program 250 from the storage unit 43, expands it into the memory 42, and sequentially executes the processes included in the payment processing program 250. The CPU 41 operates as the acquisition unit 311 shown in FIG. 16 by executing the acquisition process 351. Further, the CPU 41 operates as the determination unit 312 shown in FIG. 16 by executing the determination process 352. Further, the CPU 41 operates as the reception unit 313 shown in FIG. 16 by executing the reception process 353. Further, the CPU 41 operates as the management unit 314 shown in FIG. 16 by executing the management process 354. Further, the CPU 41 reads information from the information storage area 360, and expands each of the payment information DB 321, the payment information DB 222, and the child usage information DB 323 into the memory 42. As a result, the payment processing, the settlement processing, and the output processing described later are executed, and the computer 40 that executes the payment processing program 350 functions as the payment processing device 310.

The function realized by the payment processing program 350 can also be realized by, for example, a semiconductor integrated circuit, more specifically, an ASIC or the like.

Next, the operation of the payment processing system 300 according to the third embodiment will be described. In the third embodiment, the payment processing device 310 executes the payment processing shown in FIG. Further, the payment processing device 310 executes the settlement processing shown in FIG. 14 at the timing of the closing date of the credit card, as in the second embodiment. As described above, when the parent pays the child in advance, the refund process from the person to the companion is not necessary. Further, when the reference request of the child's usage information is received from the user who is the parent, the payment processing device 310 executes the output processing shown in FIG. The payment process, the settlement process, and the output process are examples of the settlement processing method of the disclosed technology. Hereinafter, payment processing and output processing will be described in detail.

First, the payment process in the third embodiment will be described with reference to FIG. In the payment process according to the third embodiment, the same process as the payment process (FIG. 13) in the second embodiment is assigned the same step number and detailed description thereof will be omitted.

In step S11, the acquisition unit 311 acquires the accounting information and the biometric information of the person, and in step S12, the acquisition unit 311 acquires the payment information corresponding to the acquired biometric information of the person. At this time, when the person is a child, the acquisition unit 311 acquires the payment information about the child and the payment information of the parent of the child. Next, in step S13, the determination unit 312 determines whether or not the person has been authenticated by the biometric information. If the authentication is OK, the process proceeds to step S321, and if the authentication is NG, the process proceeds to step S320.

In step S321, the determination unit 312 determines whether the person who acquired the biometric information in step S11 is a parent or a child. If the determination unit 312 has acquired the payment information about the child in step S12, the determination unit 312 determines that the person is a child, and the process proceeds to step S314. On the other hand, if the determination unit 312 determines in step S12 that only the payment information of the parent is acquired, the determination unit 312 determines that the person is the parent, and the process proceeds to step S322.

In step S322, the same processing as the processing after step S214 of the payment processing (FIG. 13) in the second embodiment is executed, and the payment processing is completed.

In step S314, the determination unit 312 makes a payment by the person (child) based on the accounting information acquired in step S11 and the "restriction" included in the payment information about the child acquired in step S12. Determines if is subject to restrictions. If the payment by the principal is not subject to the restriction, the process proceeds to step S315, and if the payment is subject to the restriction, the process proceeds to step S316.

In step S315, the determination unit 312 transmits a payment instruction to the store terminal 32, so that the management unit 314, for example, in the example of FIG. 11, the "accompanying person ID" and "accompanying person payment amount" are blank. The payment information is acquired and stored in the payment information DB 222. Then, the management unit 314 updates the "monthly usage amount" of the payment information DB 222 and the "usable balance" of the parent payment information table 321A of the payment information DB 321. Further, the determination unit 312 notifies the management unit 314 of the restriction target information including the determination result indicating that the payment by the child is not subject to the restriction, and the process proceeds to step S324.

In step S316, the reception unit 313 acquires the biometric information of the companion, and depending on whether or not the user ID corresponding to the biometric information matches the "parent ID" included in the payment information of the child who is the principal. Determine if the companion is a parent. When the reception unit 313 determines that the companion is the parent, the reception unit 313 acquires the payment information of the parent.

In step S317, the reception unit 313 confirms that the authentication based on the parent's biometric information is OK, and then determines whether or not the total amount included in the accounting information exceeds the available balance, that is, the usage limit. Determine if it exceeds. If the authentication is NG, or if the total amount exceeds the usage limit, the process proceeds to step S323, and if the authentication is OK and the usage limit is not exceeded, the process proceeds to step S319. .. Further, even if the parent chooses not to read the biometric information and does not approve the payment by the child, the process may proceed to step S323.

In step S319, the determination unit 312 transmits a payment instruction to the store terminal 32, so that the management unit 314, for example, in the example of FIG. 11, if the "accompanying person ID" and "accompanying person payment amount" are blank. Acquires no payment information and stores it in the payment information DB 222. Then, the management unit 314 updates the "monthly usage amount" of the payment information DB 222 and the "usable balance" of the parent payment information table 321A of the payment information DB 321. Further, the determination unit 312 notifies the management unit 314 of the determination result indicating that the payment by the child is subject to the restriction and the restriction target information including the content of the restriction, and the process proceeds to step S324.

In step S323, the reception unit 313 transmits to the store terminal 32 that payment has been cancelled. Further, the reception unit 313 notifies the management unit 314 of the payment cancellation information including the accounting information, the payment information of the parent and the child, the date and time when the payment is decided to be canceled, and the fact that the payment is canceled, and the process proceeds to step S324. ..

In step S324, the management unit 314 uses the child usage information DB 323 based on the payment information about the child, the restriction target information notified from the determination unit 312, and the payment cancellation information notified from the reception unit 313. The payment process is completed.

Next, the output processing will be described with reference to FIG. When the payment processing device 310 receives the reference request for the child's usage information together with the user ID, the output processing is started.

In step S341, the management unit 314 extracts the received user ID, that is, the usage information including the "parent ID" that matches the user ID of the user who requested the reference from the child usage information DB 323, and creates a list. Next, in step S342, the management unit 314 transmits the created list to the information processing terminal such as a smartphone, tablet terminal, or personal computer used by the user who requested the reference, and the output process ends. As a result, the information processing terminal of the user who is the parent can refer to the usage information of the child of the parent.

As described above, according to the payment processing system according to the third embodiment, the payment processing device stores the biometric information of the child and the preset restriction information in association with each other at the time of payment by the child. Refer to the payment information and determine whether the payment by the child is subject to the restriction. In addition, the payment processing device accepts payment by a parent who is a companion when payment by a child is subject to restrictions. As a result, the cashless payment system using biometric information can have the function of a family card of a credit card, and the use by children can be appropriately restricted, improving the convenience of the user. Can be done.

In addition, the payment processing device according to the third embodiment is a child including whether or not the payment by a child is subject to the restriction, the content of the restriction if the payment is subject to the restriction, and the result of the payment. Output the usage information to the information processing terminal used by the parent. As a result, parents can grasp the usage status of their children and review the restrictions.

The content of the restriction is not limited to the example of the third embodiment described above. For example, include information on the child's date of birth in the child's payment information, and for products with age restrictions at the time of purchase, such as alcohol and tobacco, based on the child's age calculated from the date of birth. It may be subject to restrictions.

Further, in the third embodiment, the case where the payment method is credit card payment has been described, but prepaid payment and immediate debit payment from the deposit account can also be applied. For example, the primary user (for example, a parent) and the user accompanying the primary user (for example, a child) are set to pay from a common charge balance or a deposit account. Then, at the time of payment by the child, it may be determined not only whether or not the balance is insufficient, but also whether or not the child is subject to the restriction included in the payment information.

Further, in the third embodiment, the case where the payment by the parent who is the companion is the payment using the biometric information has been described, but the payment by the parent may be the payment by presenting the credit card.

Further, in each of the above embodiments, the mode in which the payment processing program is stored (installed) in the storage unit in advance has been described, but the present invention is not limited to this. The program according to the disclosed technology can also be provided in a form stored in a storage medium such as a CD-ROM, a DVD-ROM, or a USB memory.

The following additional notes will be further disclosed with respect to each of the above embodiments.

(Appendix 1)
At the time of payment by the first user, the storage unit in which the biometric information for each user and the payment information related to the payment are stored in association with each other is referred to, and the payment information corresponding to the biometric information read from the first user is acquired. ,
Based on the acquired payment information, it is determined whether or not the payment by the first user is subject to a predetermined restriction.
When the payment by the first user is subject to the restriction, the payment by a second user different from the first user is accepted for all or part of the payment amount for the first user. A payment processing program that allows a computer to perform the including processing.

(Appendix 2)
The payment information includes information on the amount that can be paid at the present time according to the payment method.
When the payment amount for the first user exceeds the payable amount, it is determined that the limitation is applied.
In Appendix 1, the first user accepts payment within the payable amount, the second user accepts the shortage payment, or the second user accepts the full payment. The payment processing program described.

(Appendix 3)
If the payment method is prepaid payment that pays from the amount charged in advance, the payable amount is the charge balance.
When the payment method is immediate debit payment from the deposit account, the payable amount is the deposit balance.
When the payment method is credit card payment, the payable amount is the amount obtained by subtracting the usage amount in the relevant period from the shopping usage limit amount. The payment processing program described in Appendix 2.

(Appendix 4)
When the payment by the second user is accepted, the payment amount by the second user is calculated when the payable amount for the first user becomes equal to or more than the payment amount by the second user. The payment processing program according to Appendix 2 or Appendix 3 for causing the computer to execute a process further including returning from the first user to the second user.

(Appendix 5)
The payment information includes information that identifies the main user with respect to the user and information on the restriction.
The payment processing program according to Appendix 1, which accepts payment by the second user who is the main user for the first user when the payment by the first user is subject to the restriction.

(Appendix 6)
The payment processing program according to Appendix 5, wherein the limit set by the primary user includes an upper limit of the payment amount and at least one of the goods or services that can be purchased.

(Appendix 7)
The first user is a child, the second user is a parent of the child, and the payment method of the first user is the same as the payment method of the second user. Payment processing program described in.

(Appendix 8)
For the information processing terminal associated with the second user, the payment including information on whether or not the payment by the first user whose main user is the second user is subject to the restriction. The payment processing program according to any one of Supplementary note 5 to Supplementary note 7, for causing the computer to execute a process including further outputting information.

(Appendix 9)
The payment processing program according to any one of Supplementary note 1 to Supplementary note 8, which accepts payment by the second user based on the payment information corresponding to the biometric information read from the second user.

(Appendix 10)
At the time of payment by the first user, the storage unit in which the biometric information for each user and the payment information related to the payment are stored in association with each other is referred to, and the payment information corresponding to the biometric information read from the first user is acquired. Acquisition department and
A determination unit that determines whether or not the payment by the first user is subject to a predetermined restriction based on the payment information acquired by the acquisition unit.
When the payment by the first user is subject to the restriction, the reception unit that accepts the payment by a second user different from the first user for all or part of the payment amount for the first user. When,
Payment processing equipment including.

(Appendix 11)
The payment information includes information on the amount that can be paid at the present time according to the payment method.
The determination unit determines that the limitation is applied when the payment amount for the first user exceeds the payable amount.
The reception unit accepts payments within the range of the payable amount from the first user, and accepts payments for the shortage amount from the second user, or payments in full from the second user. The payment processing device according to Appendix 10.

(Appendix 12)
If the payment method is prepaid payment that pays from the amount charged in advance, the payable amount is the charge balance.
When the payment method is immediate debit payment from the deposit account, the payable amount is the deposit balance.
When the payment method is credit card payment, the payable amount is the amount obtained by subtracting the usage amount in the relevant period from the shopping usage limit amount. The payment processing device according to Appendix 11.

(Appendix 13)
When the payment by the second user is accepted, the payment amount by the second user is calculated when the payable amount for the first user becomes equal to or more than the payment amount by the second user. The payment processing device according to Appendix 11 or Appendix 12, further including a management unit that performs a process of returning from the first user to the second user.

(Appendix 14)
The payment information includes information that identifies the main user with respect to the user and information on the restriction.
The payment processing device according to Appendix 10, wherein the reception unit accepts payment by the second user who is the main user for the first user when payment by the first user is subject to the restriction.

(Appendix 15)
The payment processing device according to Appendix 14, wherein the limit set by the primary user includes an upper limit of the payment amount and at least one of the goods or services that can be purchased.

(Appendix 16)
The first user is a child, the second user is the parent of the child, and the payment method of the first user is the same as the payment method of the second user. The payment processing device described in.

(Appendix 17)
For the information processing terminal associated with the second user, the payment including information on whether or not the payment by the first user whose main user is the second user is subject to the restriction. The payment processing device according to any one of Supplementary note 14 to Supplementary note 16, further including a management unit for outputting information.

(Appendix 18)
The payment processing device according to any one of Supplementary note 10 to Supplementary note 17, which accepts payment by the second user based on the payment information corresponding to the biometric information read from the second user.

(Appendix 19)
At the time of payment by the first user, the storage unit in which the biometric information for each user and the payment information related to the payment are stored in association with each other is referred to, and the payment information corresponding to the biometric information read from the first user is acquired. ,
Based on the acquired payment information, it is determined whether or not the payment by the first user is subject to a predetermined restriction.
When the payment by the first user is subject to the restriction, the payment by a second user different from the first user is accepted for all or part of the payment amount for the first user. A payment processing method in which a computer executes the processing including.

(Appendix 20)
At the time of payment by the first user, the storage unit in which the biometric information for each user and the payment information related to the payment are stored in association with each other is referred to, and the payment information corresponding to the biometric information read from the first user is acquired. ,
Based on the acquired payment information, it is determined whether or not the payment by the first user is subject to a predetermined restriction.
When the payment by the first user is subject to the restriction, the payment by a second user different from the first user is accepted for all or part of the payment amount for the first user. A storage medium that stores a payment processing program for causing a computer to execute the processing including it.

100, 200, 300 Payment processing system 10, 210, 310 Payment processing device 11, 311 Acquisition unit 12, 212, 312 Judgment unit 13, 313 Reception unit 14, 214, 314 Management unit 21, 221, 321 Payment information DB
321A Parent payment information table 321B Child payment information table 22,222 Payment information DB
323 Child usage information DB
32 Store terminal 34 Biometric information reader 40 Computer 41 CPU
42 Memory 43 Storage unit 49 Storage medium 50, 250, 350 Payment processing program

Claims (11)

At the time of payment by the first user, the storage unit in which the biometric information for each user and the payment information related to the payment are stored in association with each other is referred to, and the payment information corresponding to the biometric information read from the first user is acquired. ,
Based on the acquired payment information, it is determined whether or not the payment by the first user is subject to a predetermined restriction.
When the payment by the first user is subject to the restriction, the payment by a second user different from the first user is accepted for all or part of the payment amount for the first user. A payment processing program that allows a computer to perform the including processing. The payment information includes information on the amount that can be paid at the present time according to the payment method.
When the payment amount for the first user exceeds the payable amount, it is determined that the limitation is applied.
Claim 1 that accepts payment within the payable amount from the first user, accepts payment of the shortage amount from the second user, or accepts payment of the full amount from the second user. Payment processing program described in. If the payment method is prepaid payment that pays from the amount charged in advance, the payable amount is the charge balance.
When the payment method is immediate debit payment from the deposit account, the payable amount is the deposit balance.
The payment processing program according to claim 2, wherein when the payment method is credit card payment, the payable amount is an amount obtained by subtracting the usage amount in the relevant period from the shopping usage limit. When the payment by the second user is accepted, the payment amount by the second user is calculated when the payable amount for the first user becomes equal to or more than the payment amount by the second user. The payment processing program according to claim 2 or 3, for causing the computer to execute a process further including returning from the first user to the second user. The payment information includes information that identifies the main user with respect to the user and information on the restriction.
The payment processing program according to claim 1, wherein when the payment by the first user is subject to the restriction, the payment by the second user who is the main user for the first user is accepted. The payment processing program according to claim 5, wherein the limit set by the primary user includes an upper limit of the payment amount and at least one of the goods or services that can be purchased. The first user is a child, the second user is a parent of the child, and the payment method of the first user is the same as the payment method of the second user. Item 6 is the payment processing program. For the information processing terminal associated with the second user, the payment including information on whether or not the payment by the first user whose main user is the second user is subject to the restriction. The payment processing program according to any one of claims 5 to 7, for causing the computer to perform a process further including outputting information. The payment processing program according to any one of claims 1 to 8, which accepts payment by the second user based on the payment information corresponding to the biometric information read from the second user. At the time of payment by the first user, the storage unit in which the biometric information for each user and the payment information related to the payment are stored in association with each other is referred to, and the payment information corresponding to the biometric information read from the first user is acquired. Acquisition department and
A determination unit that determines whether or not the payment by the first user is subject to a predetermined restriction based on the payment information acquired by the acquisition unit.
When the payment by the first user is subject to the restriction, the reception unit that accepts the payment by a second user different from the first user for all or part of the payment amount for the first user. When,
Payment processing equipment including. At the time of payment by the first user, the storage unit in which the biometric information for each user and the payment information related to the payment are stored in association with each other is referred to, and the payment information corresponding to the biometric information read from the first user is acquired. ,
Based on the acquired payment information, it is determined whether or not the payment by the first user is subject to a predetermined restriction.
When the payment by the first user is subject to the restriction, the payment by a second user different from the first user is accepted for all or part of the payment amount for the first user. A payment processing method in which a computer executes the processing including.

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