JP2022098272A - Settlement processing method and settlement processing apparatus - Google Patents

Abstract

To reduce the burden on a user.SOLUTION: A settlement processing apparatus 1 includes: a settlement processing unit 134 which processes a settlement without applying a coupon when determining that the coupon indicated by a coupon ID stored in a storage unit 12 in association with a settlement token received from a store terminal 3 is not applicable to the settlement indicated by settlement information received from the store terminal 3, and holds the association between the coupon ID and a user ID; and a token transmission unit 132 which causes the storage unit 12, on receipt of the user ID and a request to issue a new settlement code from a user terminal 2, to store the user ID, the coupon ID for which association with the user ID has been held, and a new settlement token issued for generating a new settlement code based on the issuance request, in association with each other.SELECTED DRAWING: Figure 2

Description

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

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

Japanese Patent No. 6513861 Japanese Patent No. 6473539

There is a service in which a coupon that the user wants to use or does not want to use is specified in advance, and the coupon is applied or not applied according to the specified conditions in the code payment. Here, when the code payment is completed, there is a possibility that the specified condition of the coupon specified by the user is canceled. In this case, the user had to set the coupon designation conditions again, which caused a burden on the user.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a payment processing method and a payment processing device that can reduce the burden on the user.

The payment processing method according to the first aspect of the present invention is a coupon identification that identifies the user and the coupon that the user wants to use from the user terminal used by the user, which is executed by the computer. A step of receiving information and a request for issuing a payment code for payment by the user, and a step of generating a payment token for generating the payment code when the user receives a request for issuing the payment code. A step of associating the user identification information, the coupon identification information, and the payment token and storing them in the storage unit, and a step of transmitting the payment token to the user terminal, which are used in the store and described above. A step of receiving the payment token and payment information corresponding to the payment at the store of the user from the store terminal that reads the payment code displayed by the user terminal based on the payment token, and the store. A step of determining whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the payment token received from the store terminal can be applied to the payment indicated by the payment information received from the terminal. When it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, the usage state of the applied coupon is changed, and it is determined that the coupon is not applicable to the payment. Then, the step of performing the payment without applying the coupon and maintaining the association between the coupon identification information and the user identification information, and the request for issuance of the user identification information and a new payment code from the user terminal. And the coupon identification information that retains the association between the user identification information and the user identification information, and a new payment issued to generate a new payment code based on the issuance request. It has a step of associating with a coupon and storing it in the storage unit.

The payment processing device according to the second aspect of the present invention includes user identification information for identifying the user, coupon identification information for identifying the coupon that the user wants to use, and the user from the user terminal used by the user. Upon receiving the request receiving unit for receiving the payment code issuance request for payment and the payment code issuance request, the payment token for generating the payment code is generated and the user identification is performed. The information, the coupon identification information, and the payment token are stored in the storage unit in association with each other, and the token transmission unit that transmits the payment token to the user terminal and the token transmission unit used in the store are used in the payment token. Based on this, the payment information receiving unit that receives the payment token and the payment information corresponding to the payment at the store of the user from the store terminal that reads the payment code displayed by the user terminal, and the store. It is determined whether or not the coupon indicated by the coupon identification information associated with the payment token received from the store terminal and stored in the storage unit can be applied to the payment indicated by the payment information received from the terminal. When it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, the usage state of the applied coupon is changed, and it is determined that the coupon is not applicable to the payment. The token transmission unit has a payment processing unit that performs the payment without applying a coupon and holds an association between the coupon identification information and the user identification information, and the request receiving unit is the user terminal. When the user identification information and the issuance request of a new payment code are received from the above, the coupon identification information in which the association between the user identification information and the user identification information is held, and a new issue based on the issuance request. It is stored in the storage unit in association with a new payment token issued to generate a payment code.

According to the present invention, there is an effect that the burden on the user can be reduced.

It is a figure which shows the outline of the payment system. It is a figure which shows the functional structure of the payment processing apparatus. It is a figure which shows an example of the coupon information. It is a figure which shows the functional structure of a user terminal. It is a figure which shows the functional structure of a store terminal. It is an operation sequence diagram of a payment system. It is an operation sequence diagram following FIG.

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

The payment system S includes a payment processing device 1, a user terminal 2, and a store terminal 3. The payment processing device 1 is a server that setstles the purchase price. The user terminal 2 is an information terminal used by the user, for example, a smartphone, a tablet, or a personal computer. The store terminal 3 is, for example, a POS terminal.
Hereinafter, the flow until the settlement is completed will be described with reference to FIG.

The user purchases goods and services at the store. The user activates application software for payment when making a payment at a store. In the application software, the user performs an operation of selecting a coupon that the user wants to use in payment. In addition, the user performs an operation for displaying the payment code on the user terminal 2. The user terminal 2 transmits a user ID as user identification information for identifying a user, a coupon ID as coupon identification information for identifying a coupon, and a payment code issuance request to the payment processing device 1. ((1) in FIG. 1). The user ID is, for example, an ID given to the user by a business operator that provides a service related to the payment processing device 1.

Upon receiving the coupon payment code issuance request from the user terminal 2, the payment processing device 1 generates a payment token ((2) in FIG. 1). The payment token is a data string used when the user terminal 2 generates a payment code presented by the user at the store. The payment processing device 1 stores the generated payment token, the received user ID, and the received coupon ID in the storage medium in association with each other ((3) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the user terminal 2 ((4) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the user terminal 2 after encrypting the payment token.

The user terminal 2 generates and displays a payment code based on the received payment token ((5) in FIG. 1).
The user presents a payment code when the purchase price of the product is settled at the store cashier. Then, for example, by the operation of the store clerk, the store terminal 3 reads the payment code displayed on the user terminal 2 ((6) in FIG. 1).

The store terminal 3 generates payment information regarding the purchase of goods or services at the user's store. The payment information includes, for example, a payment amount related to the purchase of a product by a user. The store terminal 3 transmits a payment request including the generated payment information and the payment token indicated by the read payment code to the payment processing device 1 ((7) in FIG. 1).

When the payment processing device 1 receives a payment request from the store terminal 3, it determines whether or not the payment token included in the received payment request matches the payment token transmitted to the user terminal 2. When the payment processing device 1 determines that the two payment tokens match, is the coupon indicated by the coupon ID applicable to the payment based on the applicable conditions corresponding to the coupon ID associated with the payment token? It is determined whether or not ((8) in FIG. 1).

The payment processing device 1 performs payment processing based on the payment request, the coupon ID, and the user ID ((9) in FIG. 1). Specifically, when the payment processing device 1 determines that the coupon is applicable to payment, the payment processing device 1 applies the coupon to perform payment, and changes the usage state of the coupon indicated by the applied coupon ID.

When the conventional payment processing device determines that the coupon is not applicable to payment, the association between the coupon ID and the user ID is canceled. Therefore, when the user uses the coupon of the coupon ID, it is necessary to specify the coupon again, which is troublesome for the user. On the other hand, when the payment processing device 1 determines that the coupon is not applicable to the payment, the payment is made without applying the coupon, and the association between the coupon ID and the user ID is maintained. After that, it is assumed that the payment processing device 1 receives the user ID and the request for issuing a new payment code without receiving the coupon ID from the user terminal 2. In this case, if the association between the coupon ID and the user ID is maintained, the payment processing device 1 has the received user ID, the coupon ID that retains the association with the user ID, and a new payment. Store in association with the new payment token corresponding to the code.

By operating the payment system S as described above, when a user newly purchases a product using code payment, the coupon ID that is associated with the user ID is maintained even if the coupon is not selected. You can apply for coupons based on. Therefore, in the payment system S, it is not necessary for the user to reset the selection of the coupon that was not applied to the payment, so that the burden on the user can be reduced.
Hereinafter, the details of the configuration of the payment processing device 1, the user terminal 2, and the store terminal 3 will be described.

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

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

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

Further, the storage unit 12 stores coupon information for at least associating the coupon ID for identifying the coupon, the applicable conditions for the settlement of the coupon, and the privilege content. FIG. 3 is a diagram showing an example of coupon information. As shown in FIG. 3, the coupon information is information in which the coupon ID, the application conditions of the coupon, the privilege content, and the description of the coupon are associated with each other. The conditions for applying the coupon include the expiration date of the coupon, the store ID of the store to which the coupon is applied, the product ID of the product to which the coupon is applied, and the number of times the coupon can be used, which indicates the number of times the coupon can be used.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 functions as a request receiving unit 131, a token transmitting unit 132, a payment information receiving unit 133, and a payment processing unit 134 by executing a payment program stored in the storage unit 12. The details of the operation of each part of the control unit 13 will be described later.

[Functional configuration of user terminal 2]
FIG. 4 is a diagram showing a functional configuration of the user terminal 2. The user terminal 2 has an operation unit 21, a communication unit 22, a display unit 23, a storage unit 24, and a control unit 25. The control unit 25 includes an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254.

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

The communication unit 22 is, for example, a wireless communication interface for transmitting / receiving data to / from a base station of a mobile phone network. The communication unit 22 inputs the payment token or the like received from the payment processing device 1 into the code generation unit 253.
The display unit 23 is a display that displays various types of information. The display unit 23 displays the payment code based on the control of the code generation unit 253.

The storage unit 24 is a storage medium including a ROM, RAM, and the like. The storage unit 24 stores a program executed by the control unit 25. The storage unit 24 stores a program that causes the control unit 25 to function as an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254. Further, the storage unit 24 stores the payment token received from the payment processing device 1, the payment code generated based on the payment token, and the like.

The control unit 25 is, for example, a CPU, and functions as an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254 by executing a program stored in the storage unit 24.

The operation reception unit 251 specifies the operation content of the user based on the signal input from the operation unit 21. When the specified operation content is an operation for displaying the payment code on the user terminal 2, the operation reception unit 251 displays a coupon that can be used by the user on the display unit 23, and accepts the selection of the coupon. Here, the operation reception unit 251 may accept selection of a plurality of coupons. When the user selects a coupon, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. The request transmission unit 252 transmits to the payment processing device 1 a coupon ID indicating one or more selected coupons, a user ID, and a request for issuing a payment code via the communication unit 22.

In addition to the operation of displaying the payment code on the user terminal 2, the operation reception unit 251 may accept from the user an operation of selecting a coupon that the user wants to use. In this case, when the specified operation content is a coupon selection operation, the operation reception unit 251 displays a coupon that can be used by the user on the display unit 23, and accepts the coupon selection. When the user selects a coupon, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. The request transmission unit 252 transmits a coupon ID indicating one or more selected coupons and a user ID to the payment processing device 1 via the communication unit 22. After that, when the operation reception unit 251 receives an operation for displaying the payment code on the user terminal 2, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. The request transmission unit 252 transmits the user ID and the payment code issuance request to the payment processing device 1 via the communication unit 22.

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

When the display control unit 254 receives the payment completion information indicating that the payment has been completed from the payment processing device 1, the display control unit 254 displays the payment completion information on the same screen of the display unit 23.

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

The operation unit 31 is an operation device that accepts the user's operation, for example, a button for selecting a product to be purchased by the user, or a touch panel provided on the surface of the display unit 34.
The reading unit 32 is, for example, a bar code reader and a camera, and reads a bar code attached to a product purchased by the user or a payment code displayed by the user terminal 2. The reading unit 32 outputs the information indicated by the read barcode and the payment code to the control unit 36.

The communication unit 33 is, for example, a communication interface for transmitting / receiving data to / from the payment processing device 1. The communication unit 33 transmits a payment request including a payment token and payment information to the payment processing device 1 under the control of the control unit 36.
The display unit 34 is a display that displays various types of information. The display unit 34 displays, for example, the settlement amount.

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

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

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

The payment information generation unit 361 includes payment information including the determined payment amount, the read product ID, the store ID as store information for identifying the store, and the payment time information indicating the current time as the payment time. To generate. Here, the settlement time information is not limited to the current time, and may be, for example, time information indicating the time when the settlement code is read.

The token acquisition unit 362 acquires the information extracted from the payment code as a payment token by the reading unit 32 reading the payment code displayed on the user terminal 2.
When the payment information generation unit 361 generates payment information and the token acquisition unit 362 acquires the payment token, the payment information transmission unit 363 includes the payment token and the payment information via the communication unit 33. The payment request is transmitted to the payment processing device 1.

[Operation of each part of control unit 13]
Subsequently, the operation of each unit of the control unit 13 will be described.
The request receiving unit 131 receives from the user terminal 2 a coupon ID that identifies each of the user ID of the user of the user terminal 2 and one or more coupons that the user wants to use, and a coupon ID for the user to settle at the store. Receive a request to issue a payment code.

Here, the request receiving unit 131 may receive the user ID and the coupon ID before receiving the request for issuing the payment code. In this case, the request receiving unit 131 stores the received user ID and one or more received coupon IDs in association with each other in the storage unit 12. Then, after receiving the coupon ID, the request receiving unit 131 receives the user ID and the request for issuing the payment code.

When the request receiving unit 131 receives the payment code issuance request, the token transmitting unit 132 transmits the payment token for generating the payment code corresponding to the user ID received together with the issuance request to the user terminal. Specifically, first, the token transmitting unit 132 generates a payment token when the request receiving unit 131 receives a payment code issuance request.

Subsequently, the token transmission unit 132 refers to the coupon information stored in the storage unit 12 and specifies the number of times the coupon that is associated with the received coupon ID can be used. The token transmission unit 132 stores the user ID received by the request reception unit 131, one or more coupon IDs received, the generated payment token, and the specified number of times of use in association with each other in the storage unit 12.

When the request receiving unit 131 receives the coupon ID, the user ID and the coupon ID are associated with each other and stored in the storage unit 12, and then the token transmitting unit 132 receives the payment code issuance request, the payment code is received. The coupon ID stored in the storage unit 12 associated with the user ID received together with the issuance request is specified. Then, the token transmission unit 132 stores the user ID, the coupon ID, the generated payment token, and the number of times the coupon can be used in the storage unit 12.

The token transmission unit 132 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request. Here, the token transmission unit 132 may transmit information indicating a coupon corresponding to the coupon ID associated with the user ID to the user terminal 2 as information to be displayed on the user terminal 2. Then, when the display control unit 254 of the user terminal 2 receives the information indicating the coupon corresponding to the coupon ID associated with the user ID from the payment processing device 1, the display unit 23 displays the information. By doing so, the user can confirm the currently selected coupon.

The payment information receiving unit 133 reads the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmitting unit 132, and the payment token and the product or service in the user's store. Receive payment requests, including payment information about your purchase.

The payment processing unit 134 sets the payment information included in the payment request received from the store terminal 3, the user ID corresponding to the payment token received from the store terminal 3, and the coupon ID associated with the payment token. Make payments based on.

Specifically, first, when the payment information receiving unit 133 receives the payment request, it is determined whether or not the payment token matching the payment token included in the payment request is stored in the storage unit 12. When the payment processing unit 134 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 134 identifies the coupon ID and the user ID associated with the payment token and stored in the storage unit 12.

Subsequently, the payment processing unit 134 determines whether or not the coupon indicated by the specified coupon ID can be applied to the payment indicated by the payment information received from the store terminal 3. The payment processing unit 134 refers to the coupon information stored in the storage unit 12, and specifies the application conditions of the coupon associated with the received payment token and associated with the coupon ID stored in the storage unit 12. do. The payment processing unit 134 determines whether or not at least one of the store ID and the product ID included in the payment information is included in the specified applicable conditions, and whether or not the current date is a date before the expiration date. By determining, it is determined whether or not the coupon is applicable.

When the settlement processing unit 134 determines that the coupon is applicable to the settlement, the settlement processing unit 134 applies the coupon to perform the settlement. The payment processing unit 134 discounts the payment amount included in the payment information based on the privilege content indicated by the coupon, and executes a process of debiting the payment amount from the user's account specified by the acquired user ID. Further, the payment processing unit 134 executes a process of depositing the discounted payment amount into the account of the store specified by the store ID included in the payment information.

Further, the payment processing unit 134 changes the usage state of the coupon indicated by the applied coupon ID. For example, the payment processing unit 134 changes the usage state of the coupon by subtracting the number of times the coupon can be used associated with the received payment token. The payment processing unit 134 indicates that the coupon usage status is changed by applying the coupon, and the coupon can be used 0 times, that is, the coupon usage status indicates that the coupon cannot be used. If so, the association between the coupon ID of the coupon applied to the payment and the user ID is canceled.

On the other hand, if the payment processing unit 134 determines that the coupon is not applicable to the payment, the payment is made without applying the coupon, and the association between the coupon ID and the user ID is maintained.
When the payment operator bears the discount amount of the coupon, the payment processing unit 134 executes a process of depositing the payment amount before the discount into the account of the store specified by the store ID included in the payment information. You may. Further, the settlement processing unit 134 may deposit an amount obtained by subtracting the settlement fee in the settlement processing device 1 from the settlement amount into the store account. When the settlement of the settlement amount is completed, the settlement processing unit 134 notifies the user terminal 2 and the store terminal 3 of the settlement completion information indicating that the settlement is completed.

When the user makes a payment using the code payment again after the payment by the payment processing unit 134 is completed, the request receiving unit 131 newly receives the user ID of the user of the user terminal 2 and the coupon ID from the user terminal 2. Receive a request to issue a payment code. In this case, if the user does not select the coupon, the request receiving unit 131 receives only the user ID and the request for issuing a new payment code from the user terminal 2.

Upon receiving the user ID and the request for issuing a new payment code, the token transmission unit 132 generates a new payment token corresponding to the new payment code. When the token transmission unit 132 does not receive the coupon ID together with the payment code issuance request but receives only the user ID and the new payment code issuance request, the user ID and the coupon ID are stored in association with each other. When stored in the unit 12, the storage unit associates the user ID, the coupon ID in which the association with the user ID is held, and the token for new payment without receiving the instruction regarding the association of the coupon from the user terminal 2. Make it memorize in 12. Here, when the token transmission unit 132 receives only the user ID and the request for issuing a new payment code, the token transmission unit 132 refers to the coupon information and uses the coupon indicated by the coupon ID associated with the user ID. It may be determined whether or not it is possible. Then, when the token transmission unit 132 determines that the coupon is available, the coupon ID, the user ID, and the new settlement token may be associated with each other and stored in the storage unit 12.

When the coupon ID in which the association with the user ID is held and the new payment token are associated and stored in the storage unit 12, the token transmission unit 132 generates a coupon corresponding to the coupon ID associated with the user ID. The indicated information is transmitted to the user terminal 2. When the display control unit 254 of the user terminal 2 receives the information indicating the coupon corresponding to the coupon ID associated with the user ID from the payment processing device 1, the display unit 23 displays the information. By doing so, the user can confirm that the coupon selection that he / she has selected in the past and has not been applied in the past payment is retained.

In the above description, when a new payment token is generated after the payment processing is performed by the payment processing unit 134, the user ID, the coupon ID that retains the association with the user ID, and the new payment. An example of being associated with the token and stored in the storage unit 12 has been described, but the application software for payment may be terminated for some reason before the payment is made, and the payment may not be performed. When the payment is not made, the payment processing device 1 keeps the association between the user ID, the coupon ID, and the payment token.

The token transmission unit 132 has a user ID and a coupon when payment is not performed due to the termination of the payment application software, the application software is restarted, and the request receiving unit 131 receives a new payment code issuance request. When the ID and the payment token are associated and stored in the storage unit 12, the association between the coupon ID and the payment token is released. Then, the token transmission unit 132 associates the user ID and the coupon ID with a new payment token for generating a new payment code. By doing so, the payment processing device 1 can apply the coupon to the next payment when the coupon is not applied due to the termination of the application software for payment before the payment is made. ..

[Operation sequence]
FIG. 6 is an operation sequence diagram of the payment system S. FIG. 7 is an operation sequence diagram following FIG.
The sequence diagram shown in FIG. 6 starts from the point where the user who purchases the product or the like at the store operates the display operation of the payment code on the user terminal 2 (S1). When the user performs a payment code display operation, the request transmission unit 252 accepts the selection of the coupon to be used by the user, and performs payment processing for the user ID, the coupon ID of the selected coupon, and the payment code issuance request. It is transmitted to the device 1 (S2).

When the request receiving unit 131 of the payment processing device 1 acquires the user ID, the coupon ID, and the payment code issuance request from the user terminal 2, the token transmitting unit 132 generates a payment token (S3). .. The token transmission unit 132 stores the user ID, the coupon ID, and the generated payment token in the storage unit 12 in association with each other (S4). The token transmission unit 132 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request (S5).

The code generation unit 253 of the user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and causes the display unit 23 to display the generated payment code (S6). At the store, the user presents the payment code displayed on the user terminal 2, and the reading unit 32 of the store terminal 3 reads the payment code (S7).

Further, the payment information generation unit 361 of the store terminal 3 specifies the price of the product based on the product ID input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32. , Calculate the settlement amount (S8). The payment information transmission unit 363 of the store terminal 3 includes payment information including the payment amount calculated in S8, the store ID, and the product ID, and the payment token included in the payment code read in S7. The payment request is transmitted to the payment processing device 1 (S9).

The explanation is transferred to FIG. The payment information receiving unit 133 of the payment processing device 1 receives a payment request including payment information and a payment token from the store terminal 3. When the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 134 identifies the coupon ID associated with the payment token (S10). The payment processing unit 134 determines whether or not the coupon indicated by the specified coupon ID can be applied to payment (S11).

Subsequently, the settlement processing unit 134 performs settlement processing (S12). Specifically, when the payment processing unit 134 determines that the coupon is applicable to payment, the payment processing unit 134 applies the coupon to perform payment, and changes the usage state of the coupon associated with the payment token. When the payment processing unit 134 determines that the coupon is not applicable to the payment, the payment is performed without applying the coupon, and the association between the coupon ID and the user ID is maintained. In this sequence, it is determined that the coupon is not applicable to payment, and it is assumed that the association between the coupon ID and the user ID is maintained.

Subsequently, the payment processing unit 134 transmits the payment completion information to the user terminal 2 (S13). When the display control unit 254 of the user terminal 2 receives the payment completion information from the payment processing device 1, the display control unit 254 displays the payment completion information on the display unit 23 (S14).

After that, it is assumed that a new payment code display operation is performed on the user terminal 2 (S15). In this case, when the user does not select the coupon, the request transmission unit 252 transmits the user ID and the payment code issuance request to the payment processing device 1 (S16).

When the request receiving unit 131 of the payment processing device 1 acquires the user ID and the payment code issuance request from the user terminal 2, the token transmission unit 132 generates a payment token (S17). When the received user ID and the coupon ID are stored in association with each other, the token transmission unit 132 stores the user ID, the coupon ID, and the payment token in the storage unit 12 in association with each other (S18). By doing so, even if the user does not select the coupon, the payment token is associated with the coupon ID, and the coupon indicated by the coupon ID is applied to the payment corresponding to the payment token. can do. Since the subsequent processing is the same as the processing from S5 to S13, the description thereof will be omitted.

[Modification example]
In the above description, when the payment processing device 1 receives the issuance request of a new payment code from the user terminal 2, the user ID, the coupon ID in which the association with the user ID is held, and the issuance request It was decided to store the new payment token issued in order to generate a new payment code in the storage unit 12 in association with the new payment token, but the present invention is not limited to this. For example, in the code payment method, the user terminal 2 that reads the payment code displayed by the store terminal 3 transmits the payment token and the user ID to the payment processing device, and the payment processing device sends the payment token and the user. There is also a method of performing payment processing based on an ID. Therefore, the payment processing device 1 may associate the user ID with the coupon ID that retains the association with the user ID with respect to the payment token received in the method. The processing in this case will be briefly described below.

The request receiving unit 131 includes a store ID for identifying a store corresponding to the other store terminal from another store terminal (not shown), which is a store terminal of another store different from the above-mentioned store, and the user. Receives payment information corresponding to payments made at the store and a request to issue a new payment code.

The token transmission unit 132 associates the received store ID with the payment information with the new payment token for generating a new payment code and stores it in the storage unit 12, and stores the new payment token in the other store terminal. Send to.

The payment information receiving unit 133 receives the new payment token and the user ID from the user terminal 2 that has read the new payment code displayed by the other store terminal based on the new payment token. The payment information receiving unit 133 stores the received user ID, the coupon ID in which the association with the user ID is held, and the new payment token in association with each other in the storage unit 12.

The payment processing unit 134 determines whether or not the coupon indicated by the coupon ID associated with the new payment token received from the user terminal 2 and stored in the storage unit 12 can be applied to the payment corresponding to the new payment token. Is determined. When the payment processing unit 134 determines that the coupon is applicable to payment, the payment processing unit 134 applies the coupon, receives the user ID, and the payment information and the store stored in the storage unit 12 associated with the new payment token. Make a payment based on the ID and change the usage status of the applied coupon. Further, when the settlement processing unit 134 determines that the coupon is not applicable to the settlement, the settlement is performed without applying the coupon and the association between the coupon ID and the user ID is maintained. By doing so, the payment processing device 1 associates the coupon ID that holds the association with the user ID with the new payment token even when the code payment methods are mixed. Can be done.

In this modification, the request receiving unit 131 receives the store ID, the payment information, and the payment code issuance request from the other store terminal, but the present invention is not limited to this, and the request receiving unit 131 does not receive the payment information. , A payment code issuance request may be obtained, a new payment code is issued corresponding to the store ID that identifies the store that identifies the store that requested the issuance of the payment code, and the code is used as the code issuance requester. Can be provided to stores. Here, the new payment code may be a code including a store ID. In this case, the token transmission unit 132 generates a new payment token corresponding to the new payment code and stores it in the storage unit 12. The payment information receiving unit 133 corresponds to the new payment code from the user terminal 2 that reads the new payment code displayed on the terminal of the other store or printed on paper at the other store. Along with the new payment token and user ID, payment information including the payment amount at another store of the user is received. Then, the payment processing unit 134 makes a payment based on the user ID and payment information received from the user terminal 2 and the store ID associated with the new payment token and stored in the storage unit 12.

[Effect of payment system S]
As described above, the payment processing device 1 according to the present embodiment is stored in the storage unit 12 in association with the payment token received from the store terminal 3 in the payment indicated by the payment information received from the store terminal 3. It is determined whether or not the coupon indicated by the existing coupon ID is applicable, and if it is determined that the coupon is not applicable to the payment, the payment is made without applying the coupon, and the association between the coupon ID and the user ID is maintained. Then, when the payment processing device 1 receives the user ID and the issuance request of the new payment code from the user terminal 2, the payment processing device 1 receives the user ID, the coupon ID in which the association between the user ID is held, and the issuance request. Based on this, it is stored in the storage unit 12 in association with the new payment token issued to generate a new payment code. When a user newly purchases a product using code payment, the coupon based on the coupon ID whose association with the user ID is held can be applied without selecting the coupon. Therefore, in the payment system S, it is not necessary for the user to reset the selection of the coupon that was not applied to the payment, so that the burden on the user can be reduced.

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

1 Payment processing device 2 User terminal 3 Store terminal 11 Communication unit 12 Storage unit 13 Control unit 21 Operation unit 22 Communication unit 23 Display unit 24 Storage unit 25 Control unit 31 Operation unit 32 Reading unit 33 Communication unit 34 Display unit 35 Storage unit 36 Control unit 131 Request reception unit 132 Token transmission unit 133 Payment information reception unit 134 Payment processing unit 251 Operation reception unit 252 Request transmission unit 253 Code generation unit 254 Display control unit 361 Payment information generation unit 362 Token transmission unit 363 Payment information Transmitter

Claims (13)

Computer runs,
From the user terminal used by the user, the user identification information that identifies the user, the coupon identification information that identifies the coupon that the user wants to use, and the issuance request of the payment code for the user to make a payment are received. Steps to do and
Upon receiving the payment code issuance request, a step of generating a payment token for generating the payment code, and a step of generating the payment token.
A step of associating the user identification information, the coupon identification information, and the payment token with each other and storing them in a storage unit.
The step of transmitting the payment token to the user terminal,
The payment token and the payment information corresponding to the payment at the store of the user are received from the store terminal used in the store and reading the payment code displayed by the user terminal based on the payment token. Steps to do and
It is determined whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the payment token received from the store terminal can be applied to the payment indicated by the payment information received from the store terminal. Steps to do and
When it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, the usage state of the applied coupon is changed, and it is determined that the coupon is not applicable to the payment. A step of making the payment without applying the coupon and maintaining the association between the coupon identification information and the user identification information, and
A step of receiving the user identification information and a request for issuing a new payment code from the user terminal, and
The user identification information, the coupon identification information in which the association with the user identification information is held, and the new payment token issued to generate a new payment code based on the issuance request are associated with each other. Steps to be stored in the storage unit and
Payment processing method with. When the computer determines that the coupon indicated by the coupon identification information is available in the step of associating the coupon identification information with the new payment token and storing it in the storage unit, the coupon identification information and the new payment are determined. Associated with the payment token and stored in the storage unit,
The payment processing method according to claim 1. In the step of transmitting the payment token to the user terminal by the computer, as the information to be displayed on the user terminal, the user terminal provides information indicating a coupon corresponding to the coupon identification information associated with the user identification information. Has more steps to send to,
The payment processing method according to claim 1 or 2. When the computer associates the coupon identification information that holds the association with the user identification information with the new payment token and stores it in the storage unit, the coupon associated with the user identification information is stored. Further comprising a step of transmitting information indicating a coupon corresponding to the identification information to the user terminal.
The payment processing method according to any one of claims 1 to 3. The computer identifies the user when the application is restarted and receives a request for issuing a new payment code without the payment being performed due to the termination of the application for making the payment on the user terminal. When the information and the coupon identification information are associated and stored in the storage unit, a new payment token for generating the new payment code in the user identification information and the coupon identification information. Has more steps to associate with,
The payment processing method according to any one of claims 1 to 4. When the computer receives a request to issue the new payment code in the step of associating a new payment token for generating the new payment code when the payment is not performed, the computer said. When the user identification information, the coupon identification information, and the payment token are associated and stored in the storage unit, the association between the coupon identification information and the payment token is released, and the user identification is performed. The information, the coupon identification information, and the new payment token for generating the new payment code are associated with each other and stored in the storage unit.
The payment processing method according to claim 5. The step of receiving the payment code issuance request is
The computer runs,
A step of receiving the user identification information and the coupon identification information before receiving the payment code issuance request from the user terminal.
A step of associating the received user identification information with the coupon identification information and storing it in the storage unit,
After receiving the coupon identification information, the step of receiving the payment code issuance request and
Have,
The payment processing method according to any one of claims 1 to 6. In the step of holding the association, if the usage status of the coupon applied to the payment indicates that the coupon can no longer be used, the coupon of the coupon applied to the payment. Disassociating the identification information from the user identification information,
The payment processing method according to any one of claims 1 to 7. In the step of associating the new payment token and storing it in the storage unit, the computer does not receive an instruction regarding the association of the coupon from the user terminal, and the coupon identification in which the association with the user identification information is maintained is maintained. The information is associated with the new payment token issued to generate a new payment code based on the issuance request, and stored in the storage unit.
The payment processing method according to any one of claims 1 to 8. The computer
In the step of receiving the coupon identification information, a plurality of the coupon identification information is received from the user terminal, and the coupon identification information is received.
In the step of storing in the storage unit, the user identification information, the plurality of coupon identification information, and the payment token are associated with each other and stored in the storage unit.
The payment processing method according to any one of claims 1 to 9. The computer runs,
Store information for identifying a store corresponding to the store terminal from a store terminal of another store different from the store, payment information corresponding to the payment performed by the user at the other store, and a new payment code. Steps to receive the issuance request and
A step of associating the received store information, the payment information, and the new payment token for generating the new payment code and storing them in the storage unit.
The step of transmitting the new payment token to the store terminal of the other store, and
A step of receiving the new payment token and the user identification information from the user terminal that has read the new payment code displayed by the store terminal of the other store based on the new payment token.
A step of associating the received user identification information, the coupon identification information in which the association with the user identification information is held, and the new payment token, and storing the new payment token in the storage unit.
When the coupon indicated by the coupon identification information associated with the new payment token received from the user terminal and stored in the storage unit is applicable to the payment corresponding to the new payment token, the coupon is used. A step of applying and making the payment corresponding to the payment information associated with the received new payment token.
Have more,
The payment processing method according to any one of claims 1 to 10. The computer runs,
A step of generating a new payment token corresponding to a payment code presented to the user at a store different from the store and storing it in the storage unit.
From the user terminal that reads the payment code presented to the user at the other store, the new payment token corresponding to the payment code and payment information corresponding to the payment performed by the user at the other store. And the step of receiving the user identification information,
A step of associating the received user identification information, the coupon identification information in which the association with the user identification information is held, and the new payment token, and storing the new payment token in the storage unit.
When the coupon indicated by the coupon identification information associated with the new payment token received from the user terminal and stored in the storage unit is applicable to the payment corresponding to the new payment token, the coupon is used. The step of applying and making the payment corresponding to the received payment information, and
Have more,
The payment processing method according to any one of claims 1 to 10. From the user terminal used by the user, the user identification information that identifies the user, the coupon identification information that identifies the coupon that the user wants to use, and the issuance request of the payment code for the user to make a payment are received. Request receiver and
Upon receiving the payment code issuance request, a payment token for generating the payment code is generated, and the user identification information, the coupon identification information, and the payment token are associated with each other and stored in the storage unit. A token transmission unit that stores the payment token and transmits the payment token to the user terminal.
The payment token and the payment information corresponding to the payment at the store of the user are received from the store terminal used in the store and reading the payment code displayed by the user terminal based on the payment token. Information receiver for payment and
It is determined whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the payment token received from the store terminal can be applied to the payment indicated by the payment information received from the store terminal. Then, when it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, the usage state of the applied coupon is changed, and it is determined that the coupon is not applicable to the payment. Then, the payment processing unit that performs the payment without applying the coupon and holds the association between the coupon identification information and the user identification information,
Have,
When the request receiving unit receives the user identification information and a request for issuing a new payment code from the user terminal, the token transmitting unit associates the user identification information with the user identification information. The retained coupon identification information is associated with a new payment token issued to generate a new payment code based on the issuance request, and stored in the storage unit.
Payment processing device.

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