JP2022142537A - Settlement processing apparatus and settlement processing method - Google Patents

Abstract

To prevent a user from failing to purchase a commodity.SOLUTION: A settlement processing apparatus 1 includes: an acquisition unit 131 which acquires a purchase request for a commodity including information that indicates a price of the commodity from an applicant user terminal 3; a receiving unit 133 which allows a first payment method by which multiple users pay for a commodity when a determination is made as to whether an applicant user can pay for the commodity or not, and receives, on receipt of a designation of the first payment method, user identification information identifying each of the multiple payment users; and a billing unit 134 which sets a part of the price so that the total of the parts of the price to be paid by the multiple users may be equal to the price of the commodity, sends bills to multiple payment user terminals 4 for the set part of the price, and sends a bill to the applicant user terminal 3 for the part of the price when the part of the price corresponding to the above payment user is not settled in a predetermined condition.SELECTED DRAWING: Figure 2

Description

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

At the time of electronic payment, each user terminal of a plurality of users receives a request for part of the payment amount corresponding to a product jointly purchased by a plurality of users, and purchase of the product is completed when payment by all users is completed. A split bill settlement method, which is a complete settlement method, is known (see, for example, Patent Document 1).

Japanese Patent No. 6618164

In the conventional settlement method for splitting the bill, there is a problem that if some users out of a plurality of users are behind in payment, they cannot pay the full price of the product and cannot purchase the product.

Therefore, the present invention has been made in view of these points, and it is an object of the present invention to prevent a product from becoming unpurchasable.

A payment processing apparatus according to a first aspect of the present invention includes an acquisition unit that acquires a purchase request for a product including information indicating the price of the product from an application user terminal used by an application user who applies for payment of the price for the product. a determination unit that, when the acquisition unit acquires the purchase request, refers to credit information indicating the payment amount of the application user and determines whether or not the application user can pay for the product; When the determining unit determines that the application user can pay for the product, a first payment method in which a plurality of users pay for the product can be specified as a payment method for the product, and a receiving unit that receives user identification information identifying each of a plurality of paying users who pay for the product when designation of a payment method is received; and when the receiving unit receives the user identification information, each of the plurality of paying users set the partial price so that the total of the partial price to be paid by is equal to the price for the product, and charge the set partial price to the paying user terminal used by each of the plurality of paying users. a billing unit; and a settlement unit that settles the partial price corresponding to the paying user who uses the paying user terminal by accepting payment processing for paying the partial price from the paying user terminal. and the billing unit bills the requesting user terminal for the part of the price when the part of the price corresponding to the paying user is not settled under a predetermined condition.

A payment processing method according to a second aspect of the present invention is a computer-executed purchase request for a product including information indicating the price of the product from an application user terminal used by an application user who applies for payment of the price for the product. obtaining, when the purchase request is obtained, referring to credit information indicating the amount that the applying user can pay, and determining whether or not the applying user can pay for the product; When it is determined that the payment for the product by the applying user is possible, a first payment method for paying the price for the product by a plurality of users can be specified as a payment method for the product, and the first payment is made. receiving user identification information for identifying each of a plurality of paying users who pay for the product when the designation of the method is received; setting the partial price so that the total price is the price for the product, and charging the set partial price to a paying user terminal used by each of the plurality of paying users; a step of making a payment for the part of the price corresponding to a paying user who uses the paying user terminal by accepting payment processing for paying the part of the price from the user terminal; and billing the requesting user terminal for the part of the price if the part of the price has not been settled.

ADVANTAGE OF THE INVENTION According to this invention, there exists an effect that it can suppress that goods cannot be purchased.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure explaining the outline|summary of the payment processing apparatus which concerns on this embodiment. It is a figure which shows the structure of the payment processing apparatus which concerns on this embodiment. It is a figure which shows an example of payment management information. FIG. 10 is a diagram showing an example of a billing page displayed on a paying user terminal; It is a figure which shows an example of the payment status screen displayed on an application user terminal. FIG. 10 is a sequence diagram showing the flow of processing when a first payment method is designated in the payment processing apparatus, application user terminal, and payment user terminal according to the present embodiment; FIG. 7 is a sequence diagram following FIG. 6;

[Outline of payment processing device 1]
FIG. 1 is a diagram illustrating an overview of a payment processing apparatus 1 according to this embodiment. The payment processing device 1 is a device for assisting multiple people to purchase products at a store. The payment processing device 1 is a computer such as a server, for example, and is communicably connected to the shop server 2, the application user terminal 3, and the payment user terminal 4 via a base station or wireless LAN. The application user terminal 3 and the payment user terminal 4 are computers such as tablet terminals and smart phones.

The application user terminal 3 is a terminal used by an application user who applies for payment of the price for the product. The paying user terminal 4 is a terminal used by a paying user who pays part of the price for the product. The payment processing device 1 receives, via the application user terminal 3, an application user who applies for payment of the price for the product sold by the store server 2, and specifies a payment method for the product.

The payment method for the product includes a first payment method, which is a payment method for paying for the product by a plurality of users. The payment processing apparatus 1 enables the designation of the first payment method when the application user can pay for the product. Upon receiving the designation of the first payment method, the payment processing apparatus 1 receives user identification information for identifying each of a plurality of paying users who pay for the product from the application user terminal 3 . Note that the paying users may include the applying user, and in this case, the applying user terminal 3 also functions as the paying user terminal 4 .

When the payment processing device 1 receives the user identification information of each of the plurality of paying users, the payment processing device 1 sets the partial price so that the sum of the partial price paid by each of the plurality of paying users is the price for the product, A part of the price to be paid by the paying user is charged to the paying user terminal 4. - 特許庁The payment processing device 1 settles the partial payment corresponding to the paying user using the paying user terminal 4 by accepting the payment processing of paying the partial payment from the paying user terminal 4 .

The payment processing device 1 charges the application user terminal 3 for the partial payment corresponding to the paying user when the partial payment corresponding to the paying user is not settled under a predetermined condition. In this way, the payment processing apparatus 1 completes the payment for the product and completes the purchase of the product by charging the applicant user who can pay for the product for a part of the product that has not yet been collected. You can prevent what you can't do.
Next, the configuration of the payment processing device 1 will be described.

[Configuration example of payment processing device 1]
FIG. 2 is a diagram showing the configuration of the payment processing apparatus 1 according to this embodiment. The payment processing device 1 includes a communication unit 11 , a storage unit 12 and a control unit 13 . Control unit 13 includes acquisition unit 131 , determination unit 132 , reception unit 133 , billing unit 134 , payment unit 135 , and transmission unit 136 .

The communication unit 11 is an interface for connecting to a communication network such as a mobile phone line or Internet line.
The storage unit 12 is, for example, a ROM (Read Only Memory) and a RAM (Random Access Memory). The storage unit 12 stores various programs for causing the payment processing apparatus 1 to function. For example, the storage unit 12 stores a program that causes the control unit 13 of the payment processing apparatus 1 to function as an acquisition unit 131 , a determination unit 132 , a reception unit 133 , a billing unit 134 , a payment unit 135 and a transmission unit 136 .

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 controls functions related to the payment processing apparatus 1 by executing various programs stored in the storage unit 12 . The control unit 13 functions as an acquisition unit 131 , a determination unit 132 , a reception unit 133 , a billing unit 134 , a settlement unit 135 and a transmission unit 136 by executing programs stored in the storage unit 12 .

The acquiring unit 131 acquires a product purchase request including information indicating the price of the product from the applying user terminal 3 used by the applying user who applies for payment of the price of the product. For example, the application user terminal 3 is pre-installed with a merchandise purchase application program that allows the purchase of merchandise by any of a plurality of payment methods. When the product purchase application program is executed, the applying user terminal 3 displays a list of shops and accepts the selection of shops from the applying user. The application user terminal 3 accesses the store server 2 corresponding to the selected store and displays a list of products sold at the store.

The application user terminal 3 transmits a product purchase request to the payment processing device 1 in response to the product being selected in the product list and the application user performing the purchase operation of the product. The product purchase request includes purchase amount information indicating the price of the product and an application user ID that identifies the application user. The acquisition unit 131 acquires a product purchase request from the application user terminal 3 .

When the acquisition unit 131 acquires a product purchase request, the determination unit 132 refers to the credit information indicating the payment amount of the applying user and determines whether or not the application user can pay for the product. In other words, the determination unit 132 acquires an authorization for payment of the product by the requesting user. For example, an external server (not shown) stores credit information that associates an application user ID or information for identifying an application user corresponding to the application user ID with a payable amount of the application user.

The credit information includes credit card settlement limits and bank or electronic money account balances. If the credit information is the credit card credit limit, the information for identifying the applying user corresponding to the applying user ID is the credit card number of the credit card owned by the applying user. If the credit information is the balance of a bank or electronic money account, the information for identifying the applying user corresponding to the applying user ID is the bank or electronic money account number corresponding to the applying user.

The determining unit 132 receives from the applying user permission to refer to the credit information before determining whether or not the applying user can pay for the product. Upon receiving permission to refer to the credit information from the applying user, the determining unit 132 refers to the credit information stored in the external server, and determines whether the applying user associated with the applying user ID included in the product purchase request is identified. determine the amount payable for Although the credit information is stored in the external server, the credit information is not limited to this and may be stored in the storage unit 12 .

The determination unit 132 determines that the payment for the product by the application user is possible when the payable amount of the identified applying user is greater than or equal to the price of the product indicated by the purchase price information included in the purchase request for the product. . The determining unit 132 determines that the applying user cannot pay for the product when the payable amount of the identified applying user is less than the product price indicated by the purchase price information included in the product purchase request. do.

Upon receiving a product purchase request, the receiving unit 133 causes the application user terminal 3 to display a payment method selection screen for receiving selection of one of a plurality of payment methods. When the determination unit 132 determines that the requesting user can pay for the product, the reception unit 133 allows the first payment method and the second payment method to be designated as the payment method for the product. Moreover, when the determining unit 132 determines that the payment of the amount of the product by the applying user is impossible, the second payment method can be specified, and the first payment method cannot be specified.

The first payment method is a payment method in which the price of a product is paid by a plurality of paying users. This is a payment method in which the requesting user pays the part of the price instead of the paying user who did not pay. The second payment method is a payment method in which the price of the product is paid by a plurality of paying users, and the purchase of the product is canceled if any of the users fails to pay for part of the product under predetermined conditions. payment method.

The plurality of payment methods include a payment method in which the applying user pays the price for the product using a credit card alone, and a method for paying the price for the product in a convenience store. Also, when paying for a product by the first payment method or the second payment method, the amount paid by each of the plurality of paying users is the amount obtained by dividing the price for the product by the number of paying users.

Upon receiving the designation of the payment method, the application user terminal 3 transmits to the payment processing apparatus 1 payment method designation information including information indicating the product for which payment is to be made and information indicating the designated payment method. The information indicating the product to be paid for includes, for example, a product ID that is product identification information for identifying the product, the price of the product, and a shop ID that is shop identification information for identifying the shop that sells the product. include.

The accepting unit 133 accepts designation of a payment method by receiving payment method designation information from the application user terminal 3 . Upon receiving designation of the first payment method or the second payment method as the payment method for the product, the reception unit 133 receives user identification information for identifying each of a plurality of paying users who pay for the product.

For example, when the accepting unit 133 accepts designation of the first payment method or the second payment method as the payment method for the product, the requesting user terminal 3 receives user identification information for identifying the paying user. A payment user selection screen is displayed, and user identification information for each of a plurality of payment users is accepted. The application user terminal 3 accepts the name of the paying user in addition to the user identification information on the paying user selection screen. The user identification information is, for example, the telephone number of the paying user terminal 4 used by the paying user. The user identification information is not limited to the telephone number of the paying user terminal 4, and may be the paying user's e-mail address or SNS account name.

Here, the accepting unit 133 may accept the applying user as the paying user without accepting the user identification information corresponding to the applying user. Moreover, the receiving unit 133 may receive an instruction from the applying user to exclude the applying user from the paying users via the user selection screen.

When the accepting unit 133 accepts the designation of the first payment method or the second payment method as the payment method, and accepts the user identification information of the plurality of paying users and the names of the paying users, the billing unit 134 confirms that each of the plurality of paying users The partial price is set so that the total of the partial price to be paid is the price for the product. For example, the billing unit 134 divides the price corresponding to the product by the number of paying users to set a part of the price that is equal to the price corresponding to the product. In addition, after setting the partial price to be paid by the plurality of paying users, the billing unit 134 may set the partial price to be paid by each of the plurality of paying users on the condition that the total of the partial price to be paid by each of the plurality of paying users is the price for the product. A partial change of the price paid by each of the paying users may be accepted from the applying user. In addition, the billing unit 134 may notify the paying user of the payment amount of the paying user and accept a change request from the paying user before billing a part of the price.

The billing unit 134 bills the paying user terminal 4 used by each of the plurality of paying users for a portion of the price paid by the paying users. For example, the billing unit 134 uses SMS (Short Message Service) to send the telephone number of the paying user terminal 4 as user identification information to the URL of the billing page for billing a part of the price paid by the paying user. Send a message containing The billing page is generated and provided by the payment processing apparatus 1 , and the URL of the billing page indicates the address of the payment processing apparatus 1 . The billing unit 134 may receive approval for billing a portion of the price from each of the plurality of paying users before billing the portion of the price to each of the plurality of paying user terminals 4 . Then, the billing unit 134 may bill each of the plurality of paying user terminals 4 for a part of the price on the condition that approval of the billing is received from each of the plurality of paying user terminals 4 .

In addition, the billing unit 134 sets a payment deadline for the payment unit 135 to accept partial payment. The billing unit 134 sets the payment deadline based on at least one of the amount of the product, the amount of the partial price billed to the paying user, and the number of paying users. The billing unit 134 may set a later payment deadline as the price of the product increases, or set a later payment deadline as the number of paying users increases. For example, the billing unit 134 associates and stores the time from the start of billing to the payment deadline with respect to the price of the product, the amount of part of the bill billed to the paying user, and the range of the number of paying users. may specify the time until the payment deadline corresponding to at least one of the amount of the payment for the product, the amount of the partial payment charged to the paying user, and the number of paying users. Then, the billing unit 134 may set, as the payment deadline, the time obtained by adding the time until the specified payment deadline to the current time (billing time).

Note that the billing unit 134 sets the payment deadline based on at least one of the amount of the product, the amount of part of the price billed to the paying user, and the number of paying users, but the payment deadline is not limited to this. For example, the reception unit 133 receives information indicating the payment deadline from the application user terminal 3, and the billing unit 134 uses the payment deadline received by the reception unit 133 as the payment deadline for the settlement unit 135 to accept partial payment. May be set. In addition, the reception unit 133 receives payment deadlines in advance for each product when a plurality of paying users pay the price of the product from the relevant person of the store, The payment deadline received by the reception unit 133 may be set as the payment deadline to be received. By doing so, the payment processing apparatus 1 can set the payment deadline according to the price of the product, the number of paying users, the convenience of the store, and the like.

In order to manage the status of payments made by a plurality of paying users, the billing unit 134 stores information indicating a product for which payment is to be made, a payment deadline, an application user ID, the name of the paying user, and each of the plurality of paying users. and the payment management information in which the user identification information and the date and time when the paying user paid a part of the price are stored in the storage unit 12.例文帳に追加

FIG. 3 is a diagram showing an example of payment management information. As shown in FIG. 3, the payment management information includes a store ID, a product ID, a product price, a payment deadline, an application user ID, and a user identification of each paying user. It can be confirmed that the information is associated with the telephone number of the paying user, the name of the paying user, the payment flag, and the date and time of payment.

The payment flag is information for specifying whether or not the paying user has paid part of the price. If the paying user has not paid part of the price, the payment flag stores "0", and if the paying user has paid part of the price, the payment flag stores "1". Also, if the billing for a part of the price is canceled, "2" is stored in the payment flag. At the time when the payment management information is stored in the storage unit 12, the payment date and time is blank because the payment has not been made by the paying user. The date and time of payment is entered in response to partial payment by the payment unit 135 .

The settlement unit 135 settles the partial payment corresponding to the paying user using the paying user terminal 4 by accepting the payment processing of paying the partial payment from the paying user terminal 4 . For example, after the billing unit 134 bills the paying user terminal 4 for part of the product, when the URL of the billing page for the part is selected on the paying user terminal 4, the payment unit 135 asks the paying user to A billing page for paying the price is generated, and the billing page is transmitted to the payment user terminal 4. - 特許庁

FIG. 4 is a diagram showing an example of a billing page displayed on the payment user terminal 4. As shown in FIG. As shown in FIG. 4, the billing page displays the partial price of the product to be paid by the paying user, the payment deadline, payment methods that can be selected by the paying user, and a payment button labeled "Pay". It can be confirmed that When the settlement button is pressed with a payment method selected on the billing page shown in FIG. and the user identification information of the paying user to the payment processing apparatus 1.

The settlement unit 135 accepts payment processing corresponding to the paying user by receiving the payment method designation information from the paying user terminal 4 . Upon accepting the payment process, the settlement unit 135 settles a portion of the payment corresponding to the paying user.

When payment of a part of the price is completed, the payment unit 135 displays information indicating that the payment has been completed on the billing page. The settlement unit 135 also refers to the payment management information stored in the storage unit 12, and sets the payment flag associated with the information indicating the product for which the received price is to be paid and the user identification information to "0". ” to “1”, and the payment date and time is updated to the current date and time. Moreover, the settlement unit 135 determines that the payment for the product has been completed when the settlements corresponding to a plurality of paying users are completed and the payment flags of all the paying users become "1".

When the payment unit 135 determines that the payment for the product has been completed, the payment unit 135 pays the price for the product to the store. For example, the settlement unit 135 performs payment processing to pay the amount of the product to the store corresponding to the store ID based on the store ID and the amount of the product included in the payment management information stored in the storage unit 12. to run.

Note that, when the billing unit 134 bills a plurality of paying users for part of the product due to the reception unit 133 receiving the designation of the first payment method, the payment unit 135 makes payment for the product to the store that sells the product. You can pay. After paying the price for the product to the store, the settlement unit 135 accepts payment processing for paying part of the price for the product from each of the plurality of payment user terminals 4, thereby allowing the payment user of the payment user terminal 4 to A corresponding partial payment may be made. By doing so, the store can receive the payment for the product before the payment for the product is completed by all the paying users of the paying user terminals 4 paying part of the price for the product. can.

Here, there are cases where part of the payment corresponding to the paying user is not settled under a predetermined condition. The predetermined condition is, for example, payment of part of the price of the product by the payment deadline set by the billing unit 134 . When the accepting unit 133 accepts the designation of the first payment method, the billing unit 134 makes a purchase request for the product when payment for a part of the product corresponding to the paying user is not made under a predetermined condition. The application user terminal 3 used by the application user who performed the above is billed for the part.

If there is a paying user who has not paid for a part of the price of the product by the set payment deadline, the billing unit 134 cancels the billing of the part of the price to the paying user, and In 3, we will charge the part of the price. The billing unit 134 refers to the payment management information and stores "2" in the payment flag corresponding to the paying user for whom the payment for part of the product has not been settled by the set payment deadline. Then, the billing unit 134 associates the telephone number of the applying user terminal 3, the name of the applying user, and the amount newly paid by the applying user, and stores them in the payment management information.

After that, when the billing page corresponding to the partial price is displayed on the applying user terminal 3 and the payment method designation information is received via the billing page, the settlement unit 135 make payment for This completes the payment for the product.

Note that, in the case where the reception unit 133 has received the designation of the first payment method, the billing unit 134 does not pay for a part of the product corresponding to the paying user under a predetermined condition. 3 was charged for the part, but it is not limited to this. For example, the settlement unit 135 may change the payer of the part of the price to the applicant user and automatically settle the part of the price. In this case, the accepting unit 133 accepts a partial payment method from the applying user, for example, at the time of accepting designation of the first payment method. Alternatively, the accepting unit 133 may accept a payment method from the applying user before the obtaining unit 131 obtains a product purchase request from the applying user and refers to the credit information indicating the amount that the applying user can pay. . The determination unit 132 may determine whether or not the application user can pay for the product based on the payment means. Then, if payment for part of the price of the product corresponding to the paying user is not made under a predetermined condition, the payment unit 135 settles the part of the price based on the payment method received from the requesting user. automatically.

In addition, when the billing unit 134 bills for the product corresponding to the second payment method, the settlement unit 135 makes payment for part of the product corresponding to the paying user under predetermined conditions. If not, the part of the payment that has already been made is canceled and the purchase of the product is cancelled. By doing so, it is possible to prevent the store from being unable to collect part of the unpaid amount due to non-payment by the paying user, thereby avoiding loss on the store side. In addition, since the requesting user is not obligated to pay part of the unpaid amount, the burden on the requesting user can be reduced.

The transmitting unit 136 transmits to the applying user terminal 3 information for causing the applying user terminal 3 to display information indicating the paying users who have not yet made a partial payment. For example, when the product purchase application program is running, the application user terminal 3 accepts an operation to display a payment status screen showing the payment status of each of a plurality of payment users. In response to the display operation being performed, the applying user terminal 3 sends a payment status confirmation request to the payment processing apparatus 1 to acquire information indicating the payment status of each of the plurality of paying users, including the user ID of the applying user. Send.

When acquiring the payment status confirmation request, the transmission unit 136 identifies the names of the plurality of paying users, the payment flag, and the payment date and time associated with the user ID of the applying user included in the payment status confirmation request. The transmission unit 136 generates a payment status screen that displays the payment status and payment date and time indicated by the payment flag in association with each of the specified names of the plurality of paying users, and displays it on the application user terminal 3 .

FIG. 5 is a diagram showing an example of a payment status screen displayed on the application user terminal 3. As shown in FIG. In the example shown in FIG. 5, it can be confirmed that the names of a plurality of paying users and the payment statuses of the paying users are displayed in association with each other on the payment status screen. By doing so, the requesting user can confirm which of the plurality of paying users has not made payment for some of the charges.

The payment status screen also includes a send message button labeled "send message" associated with paying users whose payment status is outstanding. In response to the message transmission button being selected, the applying user terminal 3 transmits a message transmission request including the user ID of the applying user and the identification information of the paying user to whom the message is to be transmitted to the payment processing apparatus 1. do. Upon acquiring the message transmission request, the transmitting unit 136 transmits a message input screen to the applying user terminal 3 and causes the applying user terminal 3 to display the input screen. After the requesting message or the like is input on the input screen, the requesting user terminal 3 receives a message transmission operation from the requesting user, and transmits the message to the payment processing apparatus 1 . Upon receiving the message, the transmitting unit 136 transmits the message with the requesting user as the sender and the paying user's identification information included in the message transmission request as the destination. By doing so, the requesting user can send a message urging payment to the paying user whose payment status is unpaid.

Although the payment status screen is displayed on the application user terminal 3, it is not limited to this, and may be displayed on the payment user terminal 4 as well. Then, the transmission unit 136 may enable a paying user to send a message addressed to another paying user via the payment status screen. In addition, the transmission unit 136 makes a payment to a paying user whose payment status is unpaid, without receiving an operation from the requesting user when the payment deadline has passed or a certain period of time before the payment deadline (for example, one day before). You may automatically send a message prompting you to

[Operation sequence]
FIG. 6 is a sequence diagram showing the flow of processing when the first payment method is specified in the payment processing apparatus 1, application user terminal 3, and payment user terminal 4 according to this embodiment. FIG. 7 is a sequence diagram following FIG. FIG. 6 illustrates the flow of processing from the time when the first payment method is designated as the payment method. In addition, in the explanation of this sequence diagram, it is assumed that the users of the two paying user terminals 4 and the applying user terminal 3 are the paying users and pay the price of the product.

First, the reception unit 133 of the payment processing apparatus 1 receives payment method designation information indicating that the first payment method is designated from the application user terminal 3 (S1). The reception unit 133 transmits the payment user selection screen to the application user terminal 3 and displays the payment user selection screen on the application user terminal 3 (S2). The accepting unit 133 accepts the telephone numbers of a plurality of paying users as user identification information via the paying user selection screen (S3).

When the receiving unit 133 receives the telephone numbers of a plurality of paying users, the billing unit 134 divides the price corresponding to the product by the number of paying users, thereby dividing a portion of the price paid by each of the plurality of paying users. Set (S4). The billing unit 134 uses SMS to bill the telephone numbers of the plurality of paying user terminals 4 for a part of the price to be paid by the paying user (S5 to S7).

Description is moved to FIG. After the billing unit 134 has billed a part of the price to be paid by the paying user, the settlement unit 135 receives the payment means designation information from the plurality of paying user terminals 4 including the applying user terminal 3, and when the paying user terminal 4 Perform payment processing corresponding to the payment user to be used. Here, it is assumed that payment method designation information is received from the application user terminal 3 and one payment user terminal 4, and payment processing is performed (S8 to S11).

After that, the billing unit 134 determines whether or not the part of the price of the product corresponding to all the paying users has been settled within the part of the price payment deadline (S12). When the billing unit 134 determines that part of the price of the products corresponding to all the paying users has not been settled, the billing unit 134 bills the applicant user terminal 3 for the part of the price that has not been settled (S13). .
After that, when the settlement unit 135 receives the payment means designation information from the applicant user terminal 3, the settlement unit 135 performs settlement processing corresponding to the paying user who uses the applicant user terminal 3 (S14, S15).

[Modification]
In the above-described embodiment, the determining unit 132 receives permission from the applying user to refer to the credit information before determining whether or not the applying user can pay for the product, but the present invention is not limited to this. . For example, the accepting unit 133 may accept permission to refer to the credit information corresponding to the applying user before accepting the product purchase request. Acceptance of permission for credit information by the acceptance unit 133 may be performed only once. The determining unit 132 refers to the credit information on the condition that the accepting unit 133 has received permission to refer to the credit information from the applying user, and determines whether or not the applying user can pay the amount of the product. can be By doing so, the payment processing apparatus 1 does not have to accept permission to refer to the credit information from the applying user each time the credit information is referred to, so the burden on the applying user can be reduced.

In addition, when the paying user does not pay for a part of the product, the billing unit 134 stores the user identification information of the paying user as the user identification information of the unpaid user who manages the user who did not pay the price. You may make it memorize|store in the part 12. FIG. Then, the receiving unit 133 determines that at least one of the user identification information of the paying user received from the applying user when the designation of the first payment method or the second payment method is received from the applying user terminal 3 is If it is stored in the storage unit 12 as the user identification information, the payment by the first payment method or the second payment method, which is the designated payment method, may be canceled. By doing so, the payment processing apparatus 1 prevents payment by the first payment method and/or the second payment method when there is a high possibility that payment by the paying user will not be made. In this way, the requesting user can be prevented from paying the fee of the unpaid user.

In this case, the accepting unit 133, instead of not accepting the payment of the price by the first payment method and/or the second payment method, among the paying users accepted from the applying user, the payment corresponding to the unpaid user Information indicating the user may be displayed on the application user terminal 3, and permission may be accepted from the application user as to whether to proceed with payment by the first payment method or the second payment method. Then, the billing unit 134 may bill the paying user for a part of the price in response to receiving permission to pay the price by the first payment method or the second payment method.

Further, in the above-described embodiment, the predetermined condition is that payment for part of the product is made by the payment deadline set by the billing unit 134 . Then, when the accepting unit 133 accepts the designation of the first payment method, the billing unit 134 makes a purchase request for the product when part of the payment for the product has not been settled under a predetermined condition. Although the requesting user terminal 3 used by the requesting user was charged for the part, the present invention is not limited to this. The predetermined condition is that the paying user pays for part of the product before a predetermined period elapses after the applying user sends a message to the paying user that the payment status is unpaid via the payment status screen. It may be to make a payment. The predetermined condition is that the payment processing apparatus 1 sends a message urging payment to a paying user whose payment status is unpaid before a predetermined period elapses before the paying user pays for a part of the product. It may be to make a payment for

In addition, the control unit 13 of the payment processing device 1 functions as a privilege granting unit, and when the paying user does not pay for a part of the product, the applying user is billed for the part of the price, and the applying user If a part of the price is paid, the applying user may be given a privilege. By doing so, the payment processing apparatus 1 can reduce the burden on the application user.

[Effects of this embodiment]
As described above, the payment processing apparatus 1 according to the present embodiment acquires a product purchase request including information indicating the product price from the applying user terminal 3, and determines that the applying user can pay for the product. Then, as the payment method for the price of the product, the first payment method in which the price of the product is paid by a plurality of users can be specified. Upon accepting the designation of the first payment method, the payment processing apparatus 1 accepts user identification information that identifies each of the plurality of paying users who pay for the product, and the total of the partial charges paid by each of the plurality of paying users is A part of the price is set so as to be the price for the product, and the set part of the price is charged to the paying user terminal 4 used by each of the plurality of paying users. The payment processing device 1 charges the requesting user terminal 3 for the partial payment when the partial payment corresponding to the paying user is not settled under a predetermined condition. By doing so, the payment processing apparatus 1 completes the payment for the product by making the application user pay for a part of the product, and can prevent the product from becoming unpurchasable. .

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.

Reference Signs List 1 payment processing device, 11 communication unit, 12 storage unit, 13 control unit, 131 acquisition unit, 132 determination unit, 133 reception unit, 134... billing unit, 135... payment unit, 136... transmission unit, 2... store server, 3... application user terminal, 4... payment user terminal

Claims (15)

an acquisition unit for acquiring a purchase request for the product including information indicating the price of the product from the applying user terminal used by the applying user who applies for payment of the price for the product;
a determination unit that, when the acquisition unit acquires the purchase request, refers to credit information indicating the payment amount of the application user and determines whether or not the application user can pay for the product;
When the determination unit determines that the application user can pay for the product, a first payment method in which a plurality of users pay for the product can be specified as a payment method for the product, and 1 a reception unit that receives user identification information that identifies each of a plurality of paying users who pay for the product when designation of a payment method is received;
When the receiving unit receives the user identification information, the partial price is set so that the total of the partial price paid by each of the plurality of paying users is the price for the product, and the plurality of paying users a billing unit that bills the payment user terminal used by each for the part of the payment that has been set;
a settlement unit that settles the partial price corresponding to the paying user who uses the paying user terminal by accepting payment processing for paying the partial price from the paying user terminal;
has
The billing unit bills the requesting user terminal for the part of the price when the part of the price corresponding to the paying user is not settled under a predetermined condition.
Payment processor. If the determination unit determines that the application user cannot pay the amount of the product, the reception unit determines that the partial payment has not been made to the payment user under the predetermined condition. making it possible to specify a second payment method for canceling the purchase of a product, and receiving user identification information identifying each of a plurality of paying users who pay for the product when the specification of the second payment method is accepted;
When the billing unit bills for the price by the second payment method, and the part of the price corresponding to the paying user has not been settled under a predetermined condition, the payment unit has already canceling the partial payment that has been made and canceling the purchase of the product;
The payment processing device according to claim 1. The predetermined condition is a payment deadline by which the payment unit accepts partial payment,
The settlement processing device according to claim 1 or 2. The billing unit sets the payment deadline, requests the payment, and if the part of the payment corresponding to the paying user is not settled by the set payment deadline, the application charge the user terminal for the part,
The settlement processing device according to claim 3. The reception unit receives information indicating the payment deadline from the store that sells the product and the application user terminal,
The billing unit sets the payment deadline accepted by the reception unit as the payment deadline for the settlement unit to accept partial payment.
The settlement processing device according to claim 4. The billing unit sets the payment deadline based on at least one of the amount of the product, the amount of the part billed to the paying user, and the number of paying users.
The settlement processing device according to claim 4 or 5. further comprising a transmitting unit configured to transmit to the applying user terminal information for causing the applying user terminal to display information indicating the paying user who has not made payment for the part of the price;
The settlement processing device according to any one of claims 1 to 6. When the billing unit bills the paying user for the partial payment due to the receiving unit accepting the designation of the first payment method, the payment unit pays the price for the product to the store that sells the product. , after paying the price for the product to the store, the part of the price corresponding to the paying user of the paying user terminal is settled by accepting the payment processing of paying the part of the price from the paying user terminal. ,
The settlement processing device according to any one of claims 1 to 7. a receiving unit that receives permission from the applying user to refer to the credit information corresponding to the applying user before receiving a purchase request for the product,
The determination unit refers to the credit information on the condition that the reception unit has received permission to refer to the credit information from the application user, and determines whether the application user can pay the amount of the product. determine whether
The settlement processing device according to any one of claims 1 to 8. the computer runs
a step of acquiring a purchase request for the product including information indicating the price of the product from the applying user terminal used by the applying user who applies for payment of the price for the product;
when the purchase request is obtained, referring to credit information indicating the amount that the applying user can pay, and determining whether or not the applying user can pay for the product;
When it is determined that the payment for the product by the applying user is possible, a first payment method for paying the price for the product by a plurality of users can be specified as a payment method for the product, and the first payment is made. a step of receiving user identification information identifying each of a plurality of paying users who pay for the product, upon receiving the specification of the method;
When the user identification information is accepted, the partial price is set so that the total of the partial price paid by each of the plurality of paying users is the price for the product, and each of the plurality of paying users uses a step of charging the payment user terminal to pay for the set part;
a step of settling the part of the price corresponding to the paying user who uses the paying user terminal by accepting payment processing for paying the part of the price from the paying user terminal;
a step of charging the requesting user terminal for the part of the price when the part of the price corresponding to the paying user is not settled under a predetermined condition;
payment processing method. In the step of receiving the user identification information, the computer, when it is determined that the application user cannot pay the amount of the product, settles the part of the payment to the paying user under the predetermined condition. A second payment method for canceling the purchase of the product can be specified if the payment is not made, and when the specification of the second payment method is accepted, user identification information for identifying each of a plurality of paying users who pay for the product is provided. reception,
In the step of making the payment, the computer determines that the part of the payment corresponding to the paying user has not been settled under a predetermined condition when the payment is made by the second payment method. When canceling the partial payment already made and canceling the purchase of the product,
The payment processing method according to claim 10. The predetermined condition is a payment deadline by which the computer accepts payment of a portion of the price in the step of making the payment.
The settlement processing method according to claim 10 or 11. In the billing step, the computer sets the payment deadline, bills the price, and the part of the bill corresponding to the paying user is not settled by the set payment deadline. In this case, the requesting user terminal is billed for the part,
The payment processing method according to claim 12. further comprising a step of transmitting information to the applying user terminal for displaying information indicating the paying user who has not settled the part of the price, executed by the computer, to the applying user terminal;
The settlement processing method according to any one of claims 10 to 13. In the step of making the payment, when the payment user is billed for the part of the payment due to the acceptance of the designation of the first payment method, the computer sends the payment for the product to the store that sells the product. Payment, after paying the price of the product to the store, by accepting payment processing for paying the part of the price from the paying user terminal, settlement of the part of the price corresponding to the paying user of the paying user terminal conduct,
The settlement processing method according to any one of claims 10 to 14.

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