JP2022122507A - Settlement processing method - Google Patents

Abstract

To offer a privilege immediately when a specific user settles a payment in a specific store.SOLUTION: A settlement processing apparatus 1 includes a storage unit 12 which stores a user ID received from a third-party terminal 4, a store ID, and privilege information in association with one another. The settlement processing apparatus 1 incudes: a settlement information receiving unit 134 which receives a settlement token corresponding to a settlement code, a store ID, and settlement information from a store terminal 3 used in a store that reads the settlement code displayed by a user terminal 2; and a settlement processing unit 135 which settles a payment when the received settlement token is stored in the storage unit 12, and offers a privilege indicated by privilege information to the user, provided that the storage unit 12 stores the privilege information associated with a user ID stored in association with the settlement token and the received store ID.SELECTED DRAWING: Figure 2

Description

The present invention relates to a payment processing method.

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

Japanese Patent No. 6528160 Japanese Patent No. 6473539

The organization to which the user belongs may grant the user the right to receive a privilege such as a discount when making a payment at a particular store. However, there is a problem in that there is no method for instantly giving benefits when a user makes a payment by code payment at a specific store.

Therefore, the present invention has been made in view of these points, and it is an object of the present invention to immediately give a privilege when a specific user makes a payment at a specific store.

A settlement processing method according to a first aspect of the present invention includes user identification information for identifying a user of a user terminal executed by a computer, and a store that grants a privilege when the user purchases a product or service. store identification information for identification and privilege information indicating the content of the privilege are received from a third party different from the user and the store, and the user identification information, the store identification information, and the privilege information are received. a step of associating and storing them in a storage unit; a step of receiving from the user terminal the user identification information and a payment code issue request for payment by the user; and a step of receiving the payment code issue request. Then, a step of generating a payment token for generating the payment code, a step of associating the user identification information with the payment token and storing the payment token in the storage unit, and providing the payment token to the user transmitting the payment token, the shop identification information, the payment token, the shop identification information, and the receiving payment information corresponding to the user's payment at the store; giving the user a privilege indicated by the privilege information on the condition that the privilege information is stored in the storage unit in association with the user identification information received and the store identification information received; , has

A payment processing method according to a second aspect of the present invention includes user identification information for identifying a user of a user terminal executed by a computer, and a store that grants a privilege when the user purchases a product or service. store identification information for identification and privilege information indicating the content of the privilege are received from a third party different from the user and the store, and the user identification information, the store identification information, and the privilege information are received. a step of associating and storing in a storage unit; a step of storing in the storage unit a payment token indicating a payment code for making payment for purchasing a product or service; a step of receiving the payment token corresponding to the payment code, the user identification information, and the payment information corresponding to the user's payment including the shop identification information; When stored in the storage unit, payment is made, and the privilege information is stored in the storage unit in association with the received user identification information and the store identification information included in the received payment information. and giving the user a privilege indicated by the privilege information on the condition that

ADVANTAGE OF THE INVENTION According to this invention, when a specific user settles at a specific shop, it is effective in being able to give a privilege immediately.

It is a figure which shows the outline of a settlement system. It is a figure which shows the functional structure of a payment processing apparatus. It is a figure which shows an example of coupon information. 3 is a diagram showing a functional configuration of a user terminal; FIG. It is a figure which shows the function structure of a shop terminal. FIG. 4 is an operation sequence diagram of the settlement system; FIG. 7 is an operation sequence diagram following FIG. 6; 1 is a diagram showing an overview of a payment system in which a payment processing device makes a payment by receiving a payment token from a user terminal; FIG.

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

The payment system S includes a payment processing device 1 , a user terminal 2 , a store terminal 3 and a third party terminal 4 . The settlement processing device 1 is a server that settles the purchase price. The user terminal 2 is an information terminal used by a user, such as a smart phone, tablet, or personal computer. The store terminal 3 is, for example, a POS terminal. The third-party terminal 4 is an information terminal used by a third party different from the user of the user terminal 2 and the store operator (including parent-subsidiary companies that have a capital relationship with the store operator). It's a computer. The third party is, for example, an employer who employs the user of the user terminal 2, or a municipality or national government in the region where the user lives, a central government, an insurance company to which the user subscribes, and other various benefits, support, and subsidies. Organizations that provide information to users under certain conditions, etc. A third party may be different from the provider, seller or manufacturer of a particular product or service if the award is limited to the purchase of that particular product or service.
Hereinafter, the flow until settlement is completed will be described with reference to FIG.

The third party operates the third party terminal 4 in order to register in the payment processing apparatus 1 privilege information indicating privileges that the user can use at the store, and enters a third party ID and a third party ID for identifying the third party. , the store ID for identifying the store, the user ID for identifying the user of the user terminal 2, and privilege information indicating the privilege are transmitted to the payment processing apparatus 1 ((1) in FIG. 1). The user ID is, for example, an ID given to the user by a predetermined business operator that provides services related to the payment processing apparatus 1 . The third party ID and store ID are, for example, IDs given by a predetermined business operator to a third party and store. The payment processing apparatus 1 associates and stores the third party ID, the store ID, the user ID, and the privilege information received from the third party terminal 4 ((2) in FIG. 1).

A user purchases a product or service at a store. A user activates application software for settlement when performing checkout at a store. The user operates the application software to display the payment code on the user terminal 2 . The user terminal 2 transmits a user ID as user identification information for identifying the user and a payment code issuance request to the payment processing apparatus 1 ((3) in FIG. 1).

When the payment processing apparatus 1 receives a payment code issue request from the user terminal 2, it generates a payment token ((4) in FIG. 1). The payment token is a data string used when the user terminal 2 generates a payment code that the user presents at the store. The payment processing apparatus 1 associates and stores the generated payment token and the received user ID ((5) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the user terminal 2 ((6) in FIG. 1). The payment processing apparatus 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 ((7) in FIG. 1).
The user presents the payment code when paying the purchase price of the product at the cash register of the store. Then, for example, the shop terminal 3 reads the settlement code displayed on the user terminal 2 by the operation of the store clerk ((8) 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, the payment amount for the user's product purchase. The shop terminal 3 transmits a payment request including the generated payment information, the shop ID, and the payment token indicated by the read payment code to the payment processing apparatus 1 ((9) in FIG. 1).

Upon receiving a payment request from the store terminal 3 , the payment processing device 1 determines whether or not the payment token included in the received payment request matches the payment token sent to the user terminal 2 . If the payment processing device 1 determines that the two payment tokens match, the payment processing device 1 performs payment processing based on the payment request and the user ID, and the user ID stored in association with the payment token and the received On the condition that the privilege information is stored in association with the shop ID obtained, the privilege indicated by the privilege information is given to the user ((10) in FIG. 1).

By operating the payment system S as described above, when a specific user to whom a third party decides to give a privilege makes a payment at a specific store specified by the third party, the privilege is immediately given. can be given.
Details of the configurations of the payment processing apparatus 1, the user terminal 2, and the store terminal 3 will be described below.

[Functional Configuration of Payment Processing Device 1]
FIG. 2 is a diagram showing the functional configuration of the payment processing apparatus 1. As shown in FIG. 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 that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13 . The storage unit 12 stores a payment program that causes the control unit 13 to function as a registration unit 131 , a request reception unit 132 , a token transmission unit 133 , a payment information reception unit 134 , and a payment processing unit 135 .

The storage unit 12 also stores privilege management information for managing privileges. FIG. 3 is a diagram showing an example of privilege management information. As shown in FIG. 3, the privilege management information includes a third party ID, a store ID, a user ID, a privilege ID for identifying a privilege, privilege information indicating the privilege, a privilege provision condition, and a privilege total amount. and privilege management information that associates at least the given total amount.

The privilege information includes the content of the privilege and the explanation of the privilege. The privilege granting condition is, for example, not to exceed the expiration date of the privilege, but is not limited to this. The privilege provision conditions may include other conditions, such as that the amount at the time of settlement is equal to or greater than a predetermined amount. In addition, the total benefit amount is information indicating the total monetary value corresponding to the benefits that can be provided by a third party. is the sum of The given total amount is information indicating the total monetary value corresponding to one or more privileges given to the user.

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

[Functional Configuration of User Terminal 2]
FIG. 4 is a diagram showing the functional configuration of the user terminal 2. As shown in FIG. 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 has 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 receives 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 and the like received from the payment processing apparatus 1 to the code generation unit 253 . In addition, the communication unit 22 inputs store information corresponding to stores at which the user can use the privilege received from the payment processing apparatus 1 and privilege information to the display control unit 254 . Store information is, for example, a store name.
The display unit 23 is a display that displays various information. The display unit 23 displays the payment code under the control of the code generation unit 253 .

The storage unit 24 is a storage medium including ROM, RAM, and the like. The storage unit 24 stores programs 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 . The storage unit 24 also stores a payment token received from the payment processing apparatus 1, a 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 programs stored in the storage unit 24 .

The operation reception unit 251 identifies the content of the user's operation based on the signal input from the operation unit 21 . If the identified operation content is an operation for displaying the payment code on the user terminal 2, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. The request transmission unit 252 transmits the user ID and a payment code issuance request to the payment processing apparatus 1 via the communication unit 22 .

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

When the display control unit 254 receives the store information corresponding to the store where the user can use the privilege and the privilege information from the payment processing device 1, the display control unit 254 causes the display unit 23 to display the store information and the privilege information in association with each other. . When the display control unit 254 receives payment completion information indicating that payment has been completed from the payment processing apparatus 1 , the display control unit 254 displays the payment completion information on the same screen of the display unit 23 .

[Function Configuration of Store Terminal 3]
FIG. 5 is a diagram showing the functional configuration of the store terminal 3. As shown in FIG. 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 receives user operations, and includes, for example, buttons for the user to select products to purchase, and a touch panel provided on the surface of the display unit 34 .
The reading unit 32 is, for example, a barcode reader and a camera, and reads barcodes attached to products purchased by the user and settlement codes displayed by the user terminal 2 . The reading unit 32 outputs information indicated by the read bar code and payment code to the control unit 36 .

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

The storage unit 35 is a storage medium including ROM, RAM, and the like. The storage unit 35 stores programs 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 . The storage unit 35 also stores a product DB that associates product IDs with product prices.

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 programs stored in the storage unit 35 .

The payment information generation unit 361 identifies one or more products for payment and generates payment information. Specifically, the payment information generation unit 361 acquires the product ID input by the sales clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, thereby obtaining the acquired product ID. product is identified as the product for payment. The payment information generation unit 361 refers to the product DB stored in the storage unit 35 and identifies 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 store clerk at the operation unit 31 or product IDs read from the barcodes attached to the products by the reading unit 32, and determines the price of the product specified from the product ID. Aggregate When the operation unit 31 receives a settlement operation, the settlement information generation unit 361 determines the total price of the product as the settlement amount.

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

The token acquisition unit 362 acquires information extracted from the payment code displayed on the user terminal 2 by the reading unit 32 as a payment token.
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 transmits the payment token and the payment information via the communication unit 33. A payment request is sent to the payment processing device 1 .

[Operation of each part of the control part 13]
Next, the operation of each section of the control section 13 will be described.
The registration unit 131 receives a user ID, a store ID, and privilege information from the third party terminal 4 used by the third party. The registration unit 131 causes the storage unit 12 to store the received user ID, store ID, and privilege information in association with each other.

The registration unit 131 first authenticates a third party by accepting a third party ID and a password as authentication information from the third party terminal 4 . A third party ID and a password are stored in advance in the storage unit 12 in association with each other. If so, it is determined that the third party has been successfully authenticated. When the registration unit 131 determines that the authentication has succeeded, the registration unit 131 receives from the third party terminal 4 the user ID, the shop ID, the privilege information, the privilege provision conditions, and the total privilege amount. Upon receiving the privilege information, the registration unit 131 generates a privilege ID corresponding to the privilege information. The registration unit 131 associates the user ID, the store ID, the privilege ID, the privilege information, the privilege provision condition, and the total privilege amount, and stores them in the storage unit 12 as privilege management information.

The registration unit 131 may receive privilege information corresponding to each of a plurality of stores. For example, the registration unit 131 accepts one user ID, a plurality of store IDs, and privilege information corresponding to the stores indicated by the plurality of store IDs, so that one user can receive the information for each of the plurality of stores. Different privilege information may be accepted.

Further, the registration unit 131 may receive privilege information individually for each of a plurality of users, or may accept common privilege information for a plurality of users from the third party terminal 4 . Further, the registration unit 131 may receive, from the third party terminal 4, an update of the privilege information associated with the user and an update of the total privilege amount. For example, if the third party is the user's employer, the registration unit 131 may receive an update of privilege information according to the length of service.

Further, the registration unit 131 may cause the storage unit 12 to store the privilege management information on condition that the third party has a relationship with the user. In this case, the registration unit 131 causes the storage unit 12 to store the privilege management information, for example, on the condition that certification information that certifies the relationship between the third party and the user is received from the third party terminal 4 .

If the third party is the employer who employs the user, the certification information is an employee certificate or employment contract that certifies the employment relationship between the user and the employer. Further, when the third party is a municipality and the user is a resident of the municipality, the certification information is the user's resident card. If a third party is a service provider and the user is a member of the service, the proof information is a membership certificate, an ID issued to the member, or other cards. Further, if the relationship between the third party and the user is not recognized based on the certification information received from the third party terminal 4, the registration unit 131 may prevent the privilege management information from being stored in the storage unit 12. good. The case where the relationship between the third party and the user is not recognized based on the certification information includes, for example, the case where the user name included in the certification information and the user name corresponding to the user ID do not match, or the case where the certification The expiration date contained in the usage information has expired.

The request receiving unit 132 receives from the user terminal 2 the user ID of the user of the user terminal 2 and a payment code issue request for the user to pay at the store.
When the request receiving unit 132 receives a payment code issue request, the token sending unit 133 sends a payment token for generating a payment code corresponding to the user ID received together with the issue request to the user terminal. Specifically, first, the token transmission unit 133 generates a payment token when the request reception unit 132 receives a payment code issuance request. Subsequently, the token transmission unit 133 associates the user ID received by the request reception unit 132 with the generated payment token and causes the storage unit 12 to store them. The token transmission unit 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request.

Here, upon receiving the user ID and the payment code issuance request from the user terminal 2, the token transmission unit 133 corresponds to the store indicated by the store ID associated with the received user ID in the privilege management information. You may notify the user terminal 2 of the information which does and the privilege information linked|related with the said user ID.

In this case, the token transmission unit 133 may receive terminal location information indicating the location of the user terminal 2 from the user terminal 2 . In this case, the store ID, store information, and store location information indicating the location of the store are stored in the storage unit 12 . The token transmission unit 133 may notify the user terminal 2 of shop information corresponding to shops located within a predetermined range from the position of the user terminal 2 indicated by the terminal position information, and privilege information corresponding to the shops. . Further, the timing of notifying the user terminal 2 is not limited to the time of receiving the payment code issuance request, and may be the timing when the user makes the notification request. By doing so, the user of the user terminal 2 can confirm whether or not the privilege will be granted at the store where the purchase is made by the user at the time of payment.

The payment information receiving unit 134 reads the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmission unit 133, and receives the payment token, the store ID, and the user's store from the store terminal 3. receive a payment request including payment information corresponding to payment for the purchase of goods or services at

If the payment token included in the received payment request is stored in the storage unit 12, the payment processing unit 135 performs payment, and also performs the payment, and also collects the user ID stored in association with the payment token and the received payment token. On condition that the privilege information is stored in the storage unit 12 in association with the store ID, the privilege indicated by the privilege information is granted to the user. The payment processing unit 135 grants the privilege to the user without receiving privilege information from the user terminal 2 from the time when the payment code issuance request is received until the time when the payment token is received.

Specifically, first, when the payment information receiving unit 134 receives a payment request, the payment processing unit 135 determines whether a payment token that matches the payment token included in the payment request is stored in the storage unit 12. determine whether or not When the payment processing unit 135 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 135 identifies the user ID stored in the storage unit 12 in association with the payment token.

Subsequently, the payment processing unit 135 determines whether privilege information is stored in association with the specified user ID and the store ID received from the store terminal 3 in the privilege management information stored in the storage unit 12. judge. When determining that the user ID and the privilege information are stored, the payment processing unit 135 determines whether or not the privilege granting condition associated with the privilege information is satisfied. It is determined whether or not the monetary value obtained by subtracting the granted total amount from the privilege total amount is greater than zero. When the settlement processing unit 135 determines that the privilege granting condition is satisfied and the monetary value obtained by subtracting the granted total amount from the privilege total amount is greater than 0, it decides to grant the privilege indicated by the privilege information to the user.

Note that the payment processing unit 135 sets the condition for granting the privilege indicated by the privilege information to the user that the monetary value obtained by subtracting the total award amount from the total privilege associated with the privilege information is greater than zero. Not exclusively. The settlement processing unit 135 may set the condition that the monetary value obtained by subtracting the given total amount from the total privilege amount associated with the privilege information is larger than the monetary value corresponding to the privilege indicated by the privilege information as a condition for granting the privilege to the user. good.

Further, when the payment processing unit 135 determines that the privilege information stored in the privilege management information stored in the storage unit 12 is stored in association with the specified user ID and the store ID received from the store terminal 3, It may be determined whether or not valid certification information that certifies the relationship between the third party ID associated with the privilege information and the user ID is stored in the storage unit 12 . Then, the payment processing unit 135 gives the privilege indicated by the privilege information to the user when the valid certification information is stored in the storage unit 12, and the valid certification information is not stored in the storage unit 12. In this case, the privilege indicated by the privilege information may not be given to the user. If valid proof information is not stored in the storage unit 12 and the privilege indicated by the privilege information is not given to the user, the payment processing unit 135 notifies the user terminal 2 of the reason why the privilege is not given. good too.

When the payment processing unit 135 determines to give the user the privilege indicated by the privilege information, the payment processing unit 135 discounts the payment amount included in the payment information based on the privilege content indicated by the privilege information, and obtains the user ID. Execute the process of debiting from the account of the user specified by . In addition, the payment processing unit 135 executes a process of depositing the payment amount after applying the benefit to the account of the store specified by the store ID included in the payment information. When the settlement of the settlement amount is completed, the settlement processing unit 135 notifies the user terminal 2 and the store terminal 3 of settlement completion information indicating that the settlement has been completed.

In addition, when the privilege indicated by the privilege information is granted to the user, the payment processing unit 135 includes information identifying the user (for example, user ID or user name), and grants privilege information corresponding to a third party to the user. The third-party terminal 4 may be notified of the provision result information indicating that the third-party terminal 4 has been provided. The payment processing unit 135 may notify the third party terminal 4 of payment completion information including the provision result information.

In addition, the settlement processing unit 135 updates the total grant amount corresponding to the privilege granted to the user. For example, the settlement processing unit 135 updates the total grant amount by adding the monetary value corresponding to the benefit indicated by the benefit information to the total grant amount associated with the benefit information.

The settlement processing unit 135 identifies the third party ID associated with the privilege information in the privilege management information, and charges the third party indicated by the third party ID for the monetary value corresponding to the privilege. For example, the third party ID and the account information of the financial institution used by the third party are associated and stored in the storage unit 12, and the account information of the third party associated with the specified third party ID is stored. charge third parties for the monetary value corresponding to the benefits granted based on For example, the settlement processing unit 135 transmits request information for acquiring the monetary value corresponding to the given privilege from the account of the third party to the financial institution corresponding to the account.

[Operation sequence]
FIG. 6 is an operation sequence diagram of the settlement system S. As shown in FIG. FIG. 7 is an operation sequence diagram following FIG.
First, the third party terminal 4 receives a user ID, a store ID, privilege information, privilege granting conditions, and a privilege total amount from a third party as a user of the terminal, and receives the received user ID, The store ID, privilege information, privilege provision condition, and privilege total amount are transmitted to the settlement processing device 1 (S1). The registration unit 131 associates the user ID received from the third party terminal 4, the store ID, the privilege information, the privilege provision condition, and the total privilege amount, and stores them in the storage unit 12 as privilege management information (S2).

Subsequently, the user terminal 2 of the user who purchases the product or the like at the store accepts the display operation of the settlement code (S3). The request transmission unit 252 transmits the user ID and a payment code issuance request to the payment processing apparatus 1 (S4).

When the request receiving unit 132 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 133 generates a payment token (S5). The token transmission unit 133 associates the user ID with the generated payment token and stores them in the storage unit 12 (S6). The token transmission unit 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request (S7).

Description is moved to FIG. The code generation unit 253 of the user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on the display unit 23 (S8). The user presents the payment code displayed on the user terminal 2 at the store, and the reader 32 of the store terminal 3 reads the payment code (S9).

In addition, the payment information generation unit 361 of the store terminal 3 identifies the price of the product based on the product ID input by the clerk at the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32. , the settlement amount is calculated (S10). The payment information transmission unit 363 of the store terminal 3 sends a payment request including payment information including the payment amount calculated in S10, the store ID, and the payment token included in the payment code read in S9. to the payment processing device 1 (S11).

The payment information receiving unit 134 of the payment processing apparatus 1 receives a payment request including payment information and a payment token from the store terminal 3 . If the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 135 stores the received store ID and the user ID associated with the received payment token. It is determined whether or not the privilege indicated by the corresponding privilege information can be given to the user (S12).

Subsequently, the settlement processing unit 135 performs settlement processing (S13). Specifically, when the payment processing unit 135 determines that the privilege indicated by the privilege information can be granted to the user, the privilege is granted to the user and the payment is made. change the given total amount corresponding to the privilege information associated with the user ID associated with the user ID. When the settlement processing unit 135 determines that the privilege information cannot be given to the user, the settlement processing unit 135 performs settlement without giving the privilege indicated by the privilege information to the user.

Subsequently, the payment processing unit 135 transmits payment completion information to the user terminal 2 (S14). Upon receiving the payment completion information from the payment processing apparatus 1, the display control unit 254 of the user terminal 2 causes the display unit 23 to display the payment completion information (S15).

[Modification 1]
In the above description, the payment processing apparatus 1 causes the user terminal 2 to display a payment code, and receives payment information from the store terminal 3 that reads the payment code displayed on the user terminal 2, thereby performing payment. However, it 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 user ID to the payment processing device, and the payment processing device sends the payment token and the user ID to the payment processing device. There is also a method of performing settlement processing based on an ID. Therefore, the payment processing device 1 may be configured to perform payment in this manner. The processing in this case will be briefly described below.

FIG. 8 is a diagram showing an outline of a payment system S in which the payment processing apparatus 1 makes a payment by receiving a payment token from the user terminal 2. As shown in FIG.
The third party operates the third party terminal 4 to transmit the third party ID, the store ID, the user ID, and the privilege information to the payment processing device 1 ((1) in FIG. 8). The payment processing apparatus 1 associates and stores the third party ID, the store ID, the user ID, and the privilege information received from the third party terminal 4 ((2) in FIG. 8).

The payment processing apparatus 1 generates a shop ID corresponding to the shop and a payment token corresponding to the shop in advance in response to a payment code issuance request from the shop ((3) in FIG. 8). Here, the payment token may include the shop ID. The payment processing apparatus 1 associates the shop ID with the payment token and stores them in the storage unit 12 ((4) in FIG. 8). The payment code issue request may be made via the store terminal 3, or may be made by mail, e-mail, or the like. It is assumed that the payment code corresponding to the issued payment token and the shop ID are transmitted to the shop terminal 3 .

A user purchases a product at a store. A store clerk reads a bar code attached to a product to be purchased, for example, at the store terminal 3 when the user pays the bill at the store. The store terminal 3 calculates the settlement amount at the store, which indicates the total amount of products purchased by the user. Further, the store clerk performs an operation on the store terminal 3 to display the settlement code on the store terminal 3 . The shop terminal 3 causes the display unit 34 to display the payment code ((5) in FIG. 8). Although the store terminal 3 displays the payment code on the display unit 34, the present invention is not limited to this. For example, a store clerk may present a payment code printed on paper or the like to the user.

The user terminal 2 reads the payment code displayed on the store terminal 3 in response to the user's operation to read the payment code ((6) in FIG. 8). The payment processing apparatus 1 may receive the user ID from the user terminal 2 when the user terminal 2 reads the payment code. Then, the payment processing apparatus 1 notifies the user terminal of the information corresponding to the store indicated by the store ID associated with the received user ID and the privilege information in the privilege management information stored in the storage unit 12. good.

Also, when the user terminal 2 reads the payment code, the user terminal 2 receives input of the payment amount from the user ((7) in FIG. 8). When the user terminal 2 reads the payment code, the user terminal 2 transmits the payment token indicated by the read payment code, the payment information including the payment amount, and the user ID to the payment processing device 1 (see FIG. 8). (8)).

Upon receiving the user ID and the payment token from the user terminal 2, the payment processing apparatus 1 determines whether the received payment token is stored. When determining that the payment token is stored, the payment processing device 1 performs payment processing based on the store ID associated with the payment token, the received payment information, and the user ID. On condition that the privilege information is stored in association with the user ID and the store ID, the privilege indicated by the privilege information is given to the user ((9) in FIG. 8). The payment processing device gives a privilege to the user without receiving privilege information from the user terminal 2 at the time of payment.

By operating the payment system S as described above, the payment processing apparatus 1 receives payment information from the shop terminal 3 that has read the payment code displayed on the user terminal 2, and performs payment in the same manner as in the case where payment is made. When a specific user to whom a third party decides to give a privilege makes a payment at a specific store designated by the third party, the privilege can be immediately given.

[Modification 2]
Further, in the above description, the registration unit 131 receives the user ID, the store ID, and the privilege information from the third party terminal 4 used by the third party, and receives the received user ID, the store ID, and the privilege information. is associated with and stored in the storage unit 12, but the present invention is not limited to this. The registration unit 131 may accept the user ID and the privilege information from the third party terminal 4 used by the third party without accepting the shop ID. Then, the registration unit 131 may cause the storage unit 12 to store the received user ID and privilege information in association with each other. By doing so, the payment processing apparatus 1 gives benefits to the user when the user purchases the product using the code payment without limiting the store where the user purchases the product. be able to.

[Effects of payment system S]
As described above, the payment processing apparatus 1 according to the present embodiment associates the user ID received from the third party terminal 4, the store ID, and the privilege information, and stores them in the storage unit 12 . The payment processing device 1 receives a payment token corresponding to the payment code, a shop ID, and payment information from the shop terminal 3 used at the shop where the payment code displayed by the user terminal 2 is read. When the received payment token is stored in the storage unit 12, the payment processing device 1 performs payment, and associates the user ID stored in association with the payment token with the received store ID. On condition that the privilege information is stored in the storage unit 12, the privilege indicated by the privilege information is given to the user. By doing so, the payment processing apparatus 1 immediately grants a privilege when a specific user, to whom a third party has decided to give a privilege, makes a payment at a specific store designated by the third party. can be given.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

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 are possible within the scope of the gist thereof. be. For example, specific embodiments of device distribution/integration are not limited to the above-described embodiments. can be done. In addition, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

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 Registration unit 132 Request reception unit 133 Token transmission unit 134 Payment information reception unit 135 Payment processing unit 251 Operation reception unit 252 Request transmission unit 253 Code generation unit 254 Display control unit 361 Payment information generation unit 362 Token transmission unit 363 Payment information transmission unit

Claims (17)

the computer runs
User identification information for identifying the user of the user terminal, shop identification information for identifying the shop that gives a privilege when the user purchases a product or service, and privilege information indicating the content of the privilege a step of accepting from a third party different from the user and the store, and storing the user identification information, the store identification information, and the privilege information in association with each other in a storage unit;
a step of receiving, from the user terminal, the user identification information and a request for issuance of a payment code for payment by the user;
generating a payment token for generating the payment code upon receiving the payment code issuance request;
a step of associating the user identification information with the payment token and storing them in the storage unit;
sending the payment token to the user terminal;
From the store terminal used at the store that reads the settlement code displayed by the user terminal based on the payment token, the payment token, the store identification information, and the user's payment at the store receiving corresponding payment information;
When the received payment token is stored in the storage unit, payment is made, and the user identification information stored in association with the payment token and the store identification information received are associated with each other. giving the user a privilege indicated by the privilege information on the condition that the privilege information is stored in the storage unit;
payment processing method. In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the store identification information, the privilege information, and privilege granting conditions for granting the privilege to the user. , the user identification information, the store identification information, the privilege information, and the privilege provision condition are associated and stored in the storage unit;
In the step of granting the privilege to the user, the computer stores the user identification information associated with the received payment token, and the privilege information and the privilege information associated with the received shop identification information. The payment processing method according to claim 1, wherein the privilege granting condition is stored in the storage unit, and the privilege indicated by the privilege information is granted to the user when the privilege granting condition is satisfied. From the step of receiving the payment code issuance request to the step of receiving the payment token, the computer provides the privilege to the user without receiving the privilege information from the user terminal. granting the privilege to the user in the granting step;
The settlement processing method according to claim 1 or 2. When receiving the user identification information and the payment code issuance request from the user terminal, the information corresponding to the shop indicated by the shop identification information associated with the user identification information and the privilege information are sent to the user. further comprising notifying the terminal;
The settlement processing method according to any one of claims 1 to 3. In the step of storing the privilege information in the storage unit, the computer stores, from the third party, third party identification information for identifying the third party, the user identification information, the store identification information, the Receiving privilege information and a total monetary value corresponding to the privilege that can be provided by the third party from the third party, the third party identification information, the user identification information, the store identification information, the store in the storage unit in association with privilege information, and store in the storage unit in association with the third party identification information and the total amount;
In the step of granting the privilege to the user, the computer stores the user identification information associated with the received payment token and the privilege information associated with the received store identification information. The monetary value stored in the storage unit and obtained by subtracting the total amount of monetary value already granted to the user corresponding to the privilege from the total amount is greater than 0, or the subtracted monetary value is greater than 0. granting the privilege indicated by the privilege information to the user on the condition that the monetary value is greater than the monetary value corresponding to the privilege to be granted, and updating the total grant amount;
The settlement processing method according to any one of claims 1 to 4. the computer runs
User identification information for identifying the user of the user terminal, shop identification information for identifying the shop that gives a privilege when the user purchases a product or service, and privilege information indicating the content of the privilege a step of accepting from a third party different from the user and the store, and storing the user identification information, the store identification information, and the privilege information in association with each other in a storage unit;
a step of storing a payment token indicating a payment code for making payment for purchasing a product or service in the storage unit;
The payment token corresponding to the payment code, the user identification information, and the payment information corresponding to the payment by the user including the store identification information are received from the user terminal that has read the payment code. a step;
When the received payment token is stored in the storage unit, payment is made and the privilege information is associated with the received user identification information and the store identification information included in the received payment information. a step of granting to the user a privilege indicated by the privilege information on condition that it is stored in the storage unit;
payment processing method. The user identification information is received from the user terminal when the user terminal reads the settlement code, and corresponds to the store indicated by the store identification information associated with the received user identification information, which is executed by the computer. further comprising the step of notifying the user terminal of the information to be performed and the privilege information;
The settlement processing method according to claim 6. further comprising a step of notifying the terminal of the third party that the privilege has been granted to the user when the privilege indicated by the privilege information is granted to the user, executed by the computer;
The settlement processing method according to any one of claims 1 to 7. in the step of storing the privilege information in the storage unit, the computer associates the privilege information with third party identification information that identifies the third party and stores the privilege information in the storage unit;
Identifying the third party identification information stored in the storage unit in association with the privilege information indicating the privilege given to the user, executed by the computer, and identifying the third party indicated by the identified third party identification information , further comprising claiming a monetary value corresponding to the award;
The settlement processing method according to any one of claims 1 to 8. The storage unit stores account information of the third party,
In the step of billing the third party, the computer bills the third party for the monetary value corresponding to the privilege given to the user based on the account information stored in the storage unit.
The payment processing method according to claim 9. In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the store identification information, and the privilege information from an employer who employs the user as a third party.
The settlement processing method according to any one of claims 1 to 10. In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the store identification information, and the privilege information from a municipality where the user as a third party resides.
The settlement processing method according to any one of claims 1 to 11. further comprising the step of receiving, from the third party, an update of the privilege information associated with the user;
The settlement processing method according to any one of claims 1 to 12. The storage unit stores third party identification information that identifies a third party,
In the step of storing the privilege information in the storage unit, the computer authenticates the third party by accepting the third party identification information from the third party, and receives the privilege information from the successfully authenticated third party. accept,
The settlement processing method according to any one of claims 11 to 13. In the step of storing the privilege information in the storage unit, the computer receives from the third party certification information that certifies the relationship between the third party and the user, and stores the certification information in the storage unit. store in
The settlement processing method according to any one of claims 1 to 14. In the step of granting the privilege to the user, if the user identification information and valid certification information proving the relationship between the third party corresponding to the privilege information are not stored in the storage unit, the user perform the settlement without granting the privilege to
The settlement processing method according to claim 15. By the time the step of receiving the payment token is executed, the computer grants the privilege to the user in the step of granting the privilege to the user without receiving the privilege information from the user terminal.
The settlement processing method according to any one of claims 1 to 16.

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