JP2023020425A - Information processing method - Google Patents

Abstract

To present content to a user who uses code settlement while reducing the load on a device which executes the code settlement.SOLUTION: A settlement processing apparatus 1 includes: a settlement information receiving unit 133 which receives a settlement token, settlement information corresponding to a settlement of a commodity purchased by a user in a store, and a user ID for identifying the user, from a user terminal 2 which has read a settlement code presented in the store; an access link specifying unit 135 which specifies access link information for the user terminal 2 to access content, on the basis of at least one of store information associated with the received settlement token, settlement information, and user information on a user indicated by the received user ID; and a completion information transmission unit 136 which transmits settlement completion information and the access link information to the user terminal 2.SELECTED DRAWING: Figure 2

Description

The present invention relates to an information processing method and program for executing processing related to code settlement.

Code settlement using a two-dimensional bar code such as a QR code (registered trademark) is widespread (see, for example, Patent Documents 1, 2, and 3). 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 Japanese Patent No. 6542455

In code payment, it is required to present various contents such as effective advertisements and information that the store wants to deliver to the user who performs the code payment in accordance with the user's purchase status. On the other hand, when a device that performs code settlement transmits various contents, there is a problem that the load on the device increases.

Accordingly, the present invention has been made in view of these points, and it is an object of the present invention to present content to a user who performs code payment while reducing the burden on a device for performing code payment.

An information processing method according to a first aspect of the present invention is executed by a computer and stored in association with store information for identifying a store and a payment token for generating a payment code for payment. storing the payment token and payment information corresponding to the payment of the product purchased by the user at the store from the terminal of the user who read the payment code presented at the store; a step of receiving a user identifier for identifying a user; and, if the payment token stored in the storage unit and the received payment token match, the received payment information and the received payment token. the store information and the payment information stored in the storage unit in association with the received payment token; user information about the user indicated by the received user identifier; Whether or not the points given to the user for the payment are used, the amount of points used when the user uses the points for the payment, and whether a privilege is given to the user in response to the payment whether or not the user has used a privilege for the payment; and privilege identification information for identifying the privilege given to the user for the payment or the privilege used by the user. a step of specifying access destination information for the terminal to access the content to be displayed on the terminal, payment completion information indicating that the payment has been completed, and the specified access destination information, based on the and sending to the terminal.

An information processing method according to a second aspect of the present invention is executed by a computer, from a store terminal, store information for identifying a store corresponding to the store terminal, and payment for products purchased by the user at the store. a step of acquiring corresponding payment information and a payment code issuance request for performing the payment; the acquired store information, the payment information, and a payment token for generating the payment code; a step of associating and storing in a storage unit; a step of transmitting the payment token to the store terminal; and a user terminal reading the payment code displayed by the store terminal based on the payment token, a step of receiving the payment token and a user identifier for identifying the user; and obtaining when the payment token stored in the storage unit and the received payment token match. making a payment based on the received payment information and the received user identifier; and the store information, the payment information, and the received user identifier stored in the storage unit in association with the received payment token. User information about the user indicated by , whether or not the points granted to the user for the payment are used, the amount of points used when the user uses the points for the payment, corresponding to the payment identifying whether a privilege has been granted to the user, whether the user has used a privilege for the payment, and the privilege granted to or used by the user for the payment; specifying access destination information for the terminal to access the content to be displayed on the terminal based on at least one of the privilege identification information for the terminal; payment completion information indicating that the payment has been completed; and transmitting the obtained access destination information to the terminal.

A program according to a third aspect of the present invention controls a portable terminal possessed by a user and having a display unit and an imaging unit, upon receiving an operation to start payment using a payment code. a code acquisition unit that acquires a payment code presented at a store from an image captured by the imaging unit; and a transmission unit that transmits a payment token indicated by the payment code acquired by the code acquisition unit to an information processing device. an acquisition unit for acquiring, from the information processing device, payment completion information indicating that the payment using the payment token has been completed, and access destination information for the mobile terminal to access the content; and a display control unit that causes the display unit to display the display information based on the payment completion information obtained and the content specified based on the acquired access destination information.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability to present a content to the user who performs code payment, reducing the burden on the apparatus which performs code payment.

It is a figure which shows the outline of a payment system. It is a figure which shows the functional structure of a payment apparatus. It is a figure which shows an example of DB for access destination specification. It is a figure which shows an example of payment history DB. 3 is a diagram showing a functional configuration of a user terminal; FIG. It is a figure which shows the function structure of a store terminal. It is a figure which shows an example of the settlement completion screen displayed on a user terminal. FIG. 4 is an operation sequence diagram of the settlement system; FIG. 10 is an operation sequence diagram of the payment system when the store terminal issues a payment code issue request before the user purchases the product;

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of a settlement system S. As shown in FIG. The settlement system S is a system in which, when a user purchases a product at a store, the store presents the user with a settlement code, and the user terminal reads the settlement code to effect settlement. The settlement code is a text or image that can be read by the user terminal 2, and is a code used at the time of settlement.

The payment system S includes a payment processing device 1 , a user terminal 2 and a store terminal 3 . The settlement processing device 1 is a server that settles the purchase price of the user. The settlement processing device 1 also functions as an information processing device that presents content to the user when the purchase price is settled. The content is, for example, advertising content or a coupon, but is not limited to this, and may be image content or video content that emphasizes that payment has been completed or that a privilege has been granted to the user.

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.
Hereinafter, the flow until advertisement information is presented to the user will be described with reference to FIG.

The user moves to the store and purchases products including the target product at the store. When the user pays the bill at the store, the store clerk reads the bar code attached to the product to be purchased at the store terminal 3 and presents the total price of the product purchased by the user to 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 transmits a payment code issue request and shop information for identifying the shop to the payment processing device 1 ((1) in FIG. 1).

When the payment processing device 1 receives a payment code issue request and shop information from the shop terminal 3, it generates a payment token ((2) in FIG. 1). The payment token is a data string used when the shop terminal 3 generates a payment code that the shop terminal 3 presents to the user. Here, the payment token may be generated only for a specific store specified by the store information. The payment processing apparatus 1 associates the generated payment token with the store information and stores them in the storage medium ((3) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the store terminal 3 ((4) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the store terminal 3 after encrypting the payment token.

The store terminal 3 generates and displays a payment code based on the received payment token ((5) in FIG. 1).
The user terminal 2 reads the settlement code displayed on the store terminal 3 by, for example, user's operation ((6) in FIG. 1). The user terminal 2 accepts input of the payment amount from the user, and transmits the user ID, payment information including the input payment amount, and the payment token indicated by the read payment code to the payment processing apparatus 1 (Fig. (7) in 1).

Upon receiving the user ID, payment information, and payment token from the user terminal 2, the payment processing device 1 determines whether the received payment token matches the payment token sent to the store terminal 3. do. If the payment processing apparatus 1 determines that the payment tokens match, it executes payment processing based on the received user ID and payment information, and store information stored in association with the payment token (Fig. (8) in 1).

The payment processing apparatus 1 also stores an access destination specifying DB (database) that associates access destination information for the user terminal 2 to access content with store information, payment information, and user information on the user. . When the payment processing device 1 determines that the received payment token matches the payment token sent to the user terminal 2, the payment processing device 1 refers to the access destination identification DB, and stores the received payment token in association with it. The access destination information is specified based on at least one of store information, payment information, and user information about the user indicated by the received user ID ((9) in FIG. 1). The payment information used to specify the access destination information may be either payment information before completion of payment or payment information after completion of payment. The payment amount included in the payment information for which the payment has been completed may be the payment amount after discounting the payment amount received from the store terminal.

The payment processing apparatus 1 transmits payment completion information indicating that the payment has been completed and the specified access destination information to the user terminal 2 ((10) in FIG. 1). The user terminal 2 identifies the content based on the received access destination information ((11) in FIG. 1), and displays the display information based on the received payment completion information and the identified content (( 12)).

By operating as described above, the payment system S can present contents to the user who performs the code payment while reducing the burden on the payment processing device 1 which performs the code payment.
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 causes the control unit 13 to function as an issuance request acquisition unit 131, a token transmission unit 132, a payment information reception unit 133, a payment processing unit 134, an access destination identification unit 135, and a completion information transmission unit 136. Memorize the program.

Further, the storage unit 12 associates and stores the payment token generated by the control unit 13 with the store information acquired from the store terminal 3 . Further, the storage unit 12 associates and stores a plurality of access destination information for the user terminal 2 to access the content and one or more transmission conditions for transmitting the access destination information to the user terminal 2 . The transmission conditions are conditions related to store information, conditions related to information that can be included in payment information, conditions related to user information related to users, conditions related to points, and conditions related to benefits. The storage unit 12 stores an access destination identification DB 121 that associates a plurality of access destination information with one or more transmission conditions.

FIG. 3 is a diagram showing an example of the access destination specifying DB 121. As shown in FIG. The access destination identification DB 121 is constructed, for example, by a plurality of business operators who operate a plurality of stores. As shown in FIG. 3, in the access destination specifying DB 121, the access destination information includes store information, product ID, settlement period, settlement amount range, and It can be confirmed that it is associated with user information. Although not shown in FIG. 3, it is assumed that the access destination information is associated with a condition regarding points and a condition regarding privilege.

The access destination information is, for example, a URL whose destination is a content providing device (not shown) that provides content different from the payment processing device 1, or a schema for activating an application that provides content. A content providing device stores a plurality of contents, and a URL addressed to the content providing device indicates one of the plurality of contents stored in the content providing device. Also, the access destination information is specified by, for example, a business operator that operates a store corresponding to the store information or a business operator that provides a service related to code settlement. By doing so, the access destination information for displaying the content desired by the business can be transmitted to the user.

The store information is, for example, information including a store ID that identifies the store where the store terminal 3 is installed and a business ID as business identification information that identifies the business that operates the store. The shop information may contain only the shop ID without including the business operator ID.

The settlement period is a period during which code settlement is performed by the user terminal 2 . If a settlement period is set as a transmission condition for the access destination information, the access destination information is sent to the user terminal 2 . By setting a payment period as a transmission condition of the access destination information, for example, it is possible to display on the user terminal 2 advertising content for a limited period of time or content related to a campaign.

The settlement amount range is a range of settlement amounts related to the code settlement when the code settlement is performed by the user terminal 2 . If a payment amount range is set as a transmission condition for the access destination information, the access destination information must It is sent to terminal 2. By setting a payment amount range as a condition for transmitting access destination information, for example, advertising content and content related to campaigns can be provided to users who have made code payments for payment amounts within the payment amount range. can be done.

The user information is, for example, the range of the number of times the user has made code payments and the range of the total amount of code payments. Note that the user information is not limited to the range of the number of times code payments have been made and the total amount of code payments, but is specified based on the number of code payments made by the user within a predetermined period of time. It may include frequency, payment interval which is the interval at which the user purchases the product by code payment, and information indicating whether the user has ever purchased the product by code payment. User information may also be user attributes such as age and gender.

The condition regarding points is, for example, whether or not points are used in payment, and whether or not the amount of points used in payment is within the designated point usage range. In addition, the conditions regarding the privilege include, for example, whether or not a privilege is granted to the user in response to the payment, whether or not the user has used a privilege such as a discount for the payment, and whether or not the privilege specified for the payment This means that the privilege corresponding to the ID has been given to the user.

As shown in FIG. 3, one access destination information is associated with one store information and one product ID as transmission conditions. A plurality of store information and a plurality of product IDs may be associated with the destination information as transmission conditions. In addition, store information and product ID may not necessarily be associated with one access destination information. At least one of the conditions may be associated with the transmission condition. Further, one piece of access destination information may be associated with a plurality of transmission conditions among transmission conditions related to store information, product ID, payment period, payment amount range, user information, points, and benefits.

The storage unit 12 also stores a payment history DB 122 that indicates the history of user code payments. FIG. 4 is a diagram showing an example of the payment history DB 122. As shown in FIG. As shown in FIG. 4, the code payment history information includes the user ID, the number of times the user has made code payments, the total payment amount when the user made the code payment, and the This is information associated with the shop information of the shop where the payment was made.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 executes the issuance request acquisition unit 131, the token transmission unit 132, the payment information reception unit 133, the payment processing unit 134, the access destination identification unit 135, and functions as a completion information transmission unit 136 . Details of the operation of each unit of the control unit 13 will be described later.

[Functional Configuration of User Terminal 2]
FIG. 5 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 , an imaging unit 23 , a display unit 24 , a storage unit 25 and a control unit 26 . The control unit 26 has an operation reception unit 261 , a code acquisition unit 262 , a token transmission unit 263 , an acquisition unit 264 and a display control unit 265 .

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 24 . The operation unit 21 notifies the operation reception unit 261 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting/receiving data to/from a base station of a mobile phone network. The communication unit 22 transmits the acquired payment token and the like to the payment processing apparatus 1 .

The imaging unit 23 is, for example, a camera. The imaging unit 23 reads the settlement code by capturing an image of the settlement code displayed on the shop terminal 3 .
The display unit 24 is a display that displays various information.

The storage unit 25 is a storage medium including ROM, RAM, and the like. The storage unit 25 stores programs executed by the control unit 26 . The storage unit 25 stores programs that cause the control unit 26 to function as an operation reception unit 261 , a code acquisition unit 262 , a token transmission unit 263 , an acquisition unit 264 and a display control unit 265 .

The control unit 26 is, for example, a CPU, and functions as an operation reception unit 261, a code acquisition unit 262, a token transmission unit 263, an acquisition unit 264, and a display control unit 265 by executing programs stored in the storage unit 25. do.

The operation reception unit 261 identifies the content of the user's operation based on the signal input from the operation unit 21 . When the identified operation content is an operation for reading the settlement code, operation reception unit 261 notifies code acquisition unit 262 of the operation content.

When the operation accepting unit 261 accepts an operation for reading the payment code, the code acquisition unit 262 controls the imaging unit 23 to acquire the payment code presented at the store from the captured image captured by the imaging unit 23. .

The token transmission unit 263 transmits the payment token indicated by the payment code acquired by the code acquisition unit 262 to the payment processing apparatus 1 . Specifically, first, the token transmission unit 263 acquires information obtained by extracting the payment token from the payment code acquired by the code acquisition unit 262 as the payment token. After acquiring the payment token, the token transmission unit 263 receives input of the payment amount from the user via the operation reception unit 261 . Upon receiving the input of the payment amount, the token transmission unit 263 transmits the acquired payment token, payment information including the payment amount, and the user ID to the payment processing apparatus 1 via the communication unit 22 .

Note that the operation reception unit 261 may receive an input of the payment amount from the user, as well as use of the points given to the user and the amount of use of the points. Here, the point is, for example, a point given to the user by an operator who performs code settlement. When the operation accepting unit 261 accepts an operation to accept the use of points, the token transmitting unit 263 performs settlement processing on the point use information indicating that the user uses the points, the information indicating the amount of points used, and the user ID. Send to device 1. The token transmission unit 263 may transmit the point usage information and the information indicating the point usage amount to the payment processing apparatus 1 together with the payment token.

Also, the point use information is information indicating that the user uses points, but is not limited to this, and may be information indicating whether or not the user uses points. In this case, the token transmission unit 263 may transmit the point usage information to the payment processing apparatus 1 regardless of whether the user uses points.

In addition, the operation accepting unit 261 may accept an input of the payment amount from the user and an operation of using the privilege. Here, the privilege is, for example, a coupon provided to the user by an operator who performs code settlement, or points given to the user. When the operation accepting unit 261 receives an operation for accepting use of a privilege, the token transmission unit 263 transmits privilege use information including a privilege ID that identifies the privilege, indicating the usage of the privilege, and the user ID to the payment processing device 1. Send. The token transmission unit 263 may transmit privilege usage information to the payment processing apparatus 1 together with the payment token.

The acquisition unit 264 acquires payment completion information indicating that payment using the payment token has been completed, and access destination information for the user terminal 2 to access the content, from the payment processing apparatus 1 .
The display control unit 265 displays the display information based on the payment completion information acquired by the acquisition unit 264 and the content specified based on the access destination information acquired by the acquisition unit 264 on the same screen of the display unit 24. Let Processing related to display of display information and content by the acquisition unit 264 and the display control unit 265 will be described later.

[Function Configuration of Store Terminal 3]
FIG. 6 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 control unit 36 has a calculation unit 361 , an issuance request transmission unit 362 and a code generation unit 363 .

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 reads barcodes attached to products purchased by the user. The reading unit 32 outputs information indicated by the read barcode 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 code issue request and store information to the payment processing apparatus 1 under the control of the control unit 36 . The communication unit 33 also receives a payment token from the payment processing device 1 .

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

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 calculation unit 361 , an issuance request transmission unit 362 and a code generation 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 calculation unit 361 , an issuance request transmission unit 362 , and a code generation unit 363 by executing programs stored in the storage unit 35 .

The calculation unit 361 identifies one or more products to be settled and calculates a payment amount. Specifically, the calculation unit 361 obtains the product ID input by the store clerk at the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and calculates the product with the obtained product ID. Identify the product for payment. The calculation 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 calculation unit 361 acquires one or more product IDs input by the store clerk in the operation unit 31 or product IDs read from barcodes attached to products by the reading unit 32, and totals the prices of products specified from the product IDs. . When the operation unit 31 receives a settlement operation, the calculation unit 361 determines the total price of the product as the settlement amount. The calculation unit 361 causes the display unit 34 to display the determined settlement amount.

The issue request transmission unit 362 receives an operation related to a payment code issue request from a store clerk via the operation unit 31 . Upon receiving an operation related to a payment code issuance request, the issuance request transmission unit 362 transmits a payment code issuance request and store information to the payment processing apparatus 1 via the communication unit 33 . Note that the issue request transmission unit 362 transmits the product ID of the product purchased by the user to the payment processing device 1 together with the payment code issuance request so that the product purchased by the user can be specified in the payment processing device 1. You may

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

[Operation of each part of the control part 13 and the control part 26]
Next, the operation of each section of the control section 13 and the control section 26 will be described.
The issue request acquisition unit 131 acquires store information and a payment code issue request for the user of the user terminal 2 to make a payment at the store from the store terminal 3 . The issue request acquisition unit 131 acquires the product ID when the product ID of the product purchased by the user is transmitted from the store terminal 3 together with the payment code issue request.

When the token transmission unit 132 acquires store information and a payment code issuance request from the store terminal 3, it generates a payment token for generating a payment code. The token transmission unit 132 causes the storage unit 12 to store the store information and the payment token in association with each other. Here, when the issuance request acquisition unit 131 acquires the product ID of the product purchased by the user, the token transmission unit 132 associates the payment token with the acquired product ID and stores them in the storage unit 12 .

The token transmission unit 132 also transmits the generated payment token to the store terminal 3 that has transmitted the payment code issue request. Although the token transmission unit 132 has received the store information and the payment code issue request from the store terminal 3, the timing of receiving the store information and the payment code issue request are different. may Also, the token transmission unit 132 may generate a payment token only when the store indicated by the store information is a specific store.

The payment information receiving unit 133 receives the payment token and the payment amount corresponding to the payment for the product purchased by the user at the store from the user terminal 2 that has read the payment code displayed by the store terminal 3 based on the payment token. and a user ID. Note that the settlement information receiving unit 133 may receive the store information as well as the settlement token from the user terminal 2 . For example, the store terminal 3 displays store information or a code indicating the store information, and the user terminal 2 reads the store information, reads the code, extracts the store information from the code, and reads the store information. to the payment processing device 1.

If the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match, the payment processing unit 134 performs a transaction based on the received payment information and the received user ID. payment.

Specifically, the payment processing unit 134 specifies store information in the storage unit 12 in association with the received payment token. The payment processing unit 134 executes a process of withdrawing the payment amount indicated by the received payment information from the account of the user identified by the user ID received together with the payment token.

Here, when the payment information receiving unit 133 receives the payment token and the user ID together with the point usage information and the information indicating the amount of points used, the payment processing unit 134 converts the information indicating the amount of points used. Based on this, the amount corresponding to the used amount of points is subtracted from the payment amount, and the payment amount after subtraction is withdrawn from the account of the user identified by the received user ID.

In addition, when the payment processing unit 134 receives the privilege use information together with the payment token and the user ID in the storage unit 12, the payment processing unit 134 gives the user the privilege indicated by the privilege ID included in the privilege use information. The payment processing unit 134 may calculate points as a privilege to be given to the user based on the payment amount, and give the calculated points to the user. Moreover, the payment processing unit 134 may give a privilege to the user regardless of whether or not the privilege usage information is associated with the received user ID. For example, the payment processing unit 134 may give a privilege to the user on condition that the store information stored in the storage unit 12 in association with the received payment token is predetermined store information.

Further, when the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match, the payment processing unit 134 receives payment information included in the payment request, Payment is made based on store information stored in the storage unit 12 in association with the received payment token. Specifically, the settlement processing unit 134 executes a process of depositing the received settlement amount into the account of the store specified by the specified store information. The payment processing unit 134 may deposit the amount obtained by subtracting the payment handling fee in the payment processing device 1 from the payment amount to the account of the store.

In addition, in response to the completion of the payment, the payment processing unit 134 stores the number of times the user performed the code payment associated with the received user ID in the payment history DB 122, and Update the total amount and the shop information of the shop where the user made the code payment.

The access destination specifying unit 135 stores store information stored in the storage unit 12 in association with the received payment token, received payment information, user information about the user indicated by the received user ID, whether or not the user uses points, Based on at least one of the amount of points used by the user, whether or not the privilege was used for payment, whether or not the privilege was granted to the user, and the privilege ID of the privilege granted to the user or the privilege used by the user , access destination information for the user terminal 2 to access the content to be displayed on the user terminal 2 is specified.

Specifically, the access destination identification unit 135 refers to the access destination identification DB 121 that associates at least one of store information, product ID, user information, payment period, and payment amount range with content access destination information. , store information associated with the received payment token, product ID purchased by the user of the user terminal 2, user information about the user indicated by the received user ID, payment date and time for payment based on the received payment information, and Identify access destination information associated with at least one of the payment amounts included in the received payment information. The access destination identification unit 135 refers to the access destination identification DB 121 and acquires, as access destination information, a URL indicating a content providing device different from the payment processing device 1 or a schema of an application that provides content.

The access destination identification unit 135 refers to the access destination identification DB 121 and identifies access destination information that satisfies all of the transmission conditions associated with the access destination information among the plurality of access destination information.

As an example, when store information is set as the transmission condition for the access destination information, the access destination identification unit 135 may set the store information associated with the received payment token and the transmission condition as the transmission condition. It is determined whether or not the transmission conditions related to the store information are satisfied by determining whether or not they match the store information.

For example, when a product ID is set as a transmission condition for the access destination information, the access destination specifying unit 135 adds the transmission condition to the product ID stored in the storage unit 12 in association with the received payment token. By determining whether or not the product ID set as is included, it is determined whether or not the transmission condition for the product ID is satisfied.

In addition, the access destination specifying unit 135 sets, as transmission conditions, a payment period in which payment is made based on the payment information and a range of payment amounts included in the payment information as transmission conditions for the access destination information. Specify the settlement date and time for settlement based on The payment date and time at which payment is made based on the payment information is, for example, the date and time when the payment processing apparatus 1 receives the payment request from the user terminal 2 . If the specified payment date and time is included in the payment period associated with the specified access destination information in the access destination specifying DB 121, the access destination identification unit 135 satisfies the transmission condition related to the payment period. I judge. If the payment amount included in the received payment information is within the range of payment amounts associated with the identified access destination information in the access destination identification DB 121, the access destination specifying unit 135 is satisfied. Although the settlement amount is the settlement amount included in the received settlement information, the settlement amount may be the settlement amount after a discount has been applied to the settlement amount.

In addition, when the number of payments or the total payment amount of the user is set as a transmission condition for the access destination information, the access destination identification unit 135 refers to the payment history DB 122 and determines whether the access destination information is associated with the received user ID. By determining whether or not the number of payments or the total amount of payments corresponds to the number of payments or the total amount of payments set as the transmission conditions, it is possible to determine whether or not the transmission conditions related to the number of payments or the total amount of payments are satisfied. judge.

In addition, when the issuance request acquisition unit 131 acquires the point usage information and the information indicating the amount of points used, the access destination specifying unit 135 calculates the points given to the user for the code payment based on these information. Identify whether or not you use , and identify the amount of points used. Then, when point use information is set as a transmission condition for the access destination information, the access destination specifying unit 135 determines whether or not the specified point is used corresponds to the point use information set as the transmission condition. It is determined whether or not the transmission condition is satisfied by determining whether or not the transmission condition is satisfied. Further, when the transmission condition is set that the point usage amount in settlement is included in the specified point usage range, the access destination specifying unit 135 uses the specified point usage amount as the transmission condition. It is determined whether or not the transmission condition is satisfied by determining whether or not it is included in the point amount range associated with .

In addition, the access destination specifying unit 135 specifies the privilege ID of the privilege granted to the user and the status of privilege granted to the user in the payment processing unit 134 . In addition, the access destination specifying unit 135 selects a plurality of codes that can be used by the user for code payment based on the acquisition status of privilege use information by the issuance request acquisition unit 131 and the granting status of privileges to the user in the payment processing unit 134. Select any of the perks and specify whether you used the perk.

The access destination identification unit 135 determines whether or not a privilege has been granted to the user in response to the payment as a transmission condition for the access destination information. , it is determined whether or not the transmission condition is satisfied. In addition, when the transmission condition is that a privilege corresponding to the specified privilege ID (privilege ID associated with the access destination information) has been granted to the user, the access destination specifying unit 135 performs the code settlement. Based on whether or not the privilege ID of the privilege granted to the user matches the specified privilege ID, it is determined whether or not the transmission condition is satisfied. In addition, if the transmission condition is that the user has used a privilege such as a discount for settlement or not to use it, the access destination identification unit 135 determines whether the user has used a privilege for code settlement. Based on the specific status of whether or not, it is determined whether or not the transmission condition is satisfied. By doing so, the payment processing apparatus 1 can change the content to be displayed on the user terminal 2 in accordance with the usage status of points for code payment and the awarding status of benefits.

The access destination identification unit 135 identifies access destination information that satisfies all of the set transmission conditions as access destination information to be transmitted to the user terminal 2 . It should be noted that there may be a plurality of pieces of access destination information that satisfy the transmission conditions. On the other hand, access destination information is associated in advance with the priority of transmission, and when access destination identification unit 135 identifies a plurality of access destination information, the access destination information with the highest priority is selected. may

The completion information transmission unit 136 transmits the payment completion information indicating that the payment by the payment processing unit 134 has been completed and the access destination information specified by the access destination specifying unit 135 to the user terminal 2 that transmitted the payment code issuance request. Send to Here, the payment completion information transmitted to the user terminal 2 includes information indicating the payment amount at the user's store, information indicating the points used by the user, and information indicating the privilege given to the user. ing. Further, the completion information transmission unit 136 transmits information indicating that the payment has been completed to the shop terminal 3 when the payment processing unit 134 has completed the settlement of the settlement amount.

The acquisition unit 255 of the user terminal 2 acquires the payment completion information and the access destination information by receiving the payment completion information and the access destination information from the payment processing apparatus 1 . The acquisition unit 255 acquires, as access destination information, a URL destined for the content providing apparatus or a schema for starting an application that provides content.

The acquisition unit 255 acquires content based on the acquired access destination information. After obtaining the access destination information, the obtaining unit 255 obtains the content based on the obtained access destination information without receiving an operation by the user. By doing so, the user terminal 2 can automatically acquire the content and display it on the display unit 24 .

If the acquired access destination information is a URL addressed to the content providing device, the acquisition unit 255 acquires the content via wireless communication. Specifically, the acquisition unit 255 controls the communication unit 22, accesses the content providing device based on the URL, and acquires the content indicated by the URL.

Further, when the acquired access destination information is a schema for starting an application that provides content, the acquisition unit 255 executes the application based on the schema. By doing so, the user terminal 2 can acquire the content regardless of whether the access destination information is a URL or a schema.

The display control unit 254 displays the display information based on the payment completion information acquired by the acquisition unit 255 from the payment processing apparatus 1 and the content specified based on the URL or schema acquired by the acquisition unit 255 as the access destination information. It is displayed on the same screen of the unit 24 . The display control unit 254 causes the display unit 24 to display the display information including the payment amount, and the display information specified based on the access destination information so as not to overlap the display area of the payment amount included in the display area of the display unit 24. to display the content. For example, the display control unit 254 causes the display unit 24 to display a payment completion screen including display information and content displayed so as not to be superimposed on the display area of the payment amount indicated by the display information.

When the access destination information is a URL indicating a content providing apparatus, the display control section 254 causes the display section 24 to display the content indicated by the URL among the plurality of contents stored in the content providing apparatus. Further, when the access destination information is a schema for starting an application that provides content, the display control unit 254 displays the content provided by the application executed by the acquisition unit 255 based on the schema on the display unit 24. display.

FIG. 7 is a diagram showing an example of a settlement completion screen displayed on the user terminal 2. As shown in FIG. In the example shown in FIG. 7, it can be confirmed that the text indicating that the payment has been completed, the payment amount, and the points given as a privilege given to the user are shown. Also, in the example shown in FIG. 7, it can be confirmed that an image showing a drink discount is shown as content.

Note that the display control unit 254 may cause the display unit 24 to display the content after displaying the display information on the display unit 24 . For example, after displaying the display information on the payment completion screen, the display control unit 254 may display the content so that at least part of the content based on the access destination information is superimposed on the display information. good. By doing so, the user terminal 2 can allow the user to visually recognize the display information, and display the content larger than when the content is not superimposed on the display information, thereby enhancing the visibility of the content. . In this case, the acquisition unit 255 may acquire content based on the access destination information before the display control unit 254 causes the display unit 24 to display the display information, or the display control unit 254 may acquire the display information. is displayed on the display unit 24, the content may be acquired.

Further, when displaying the content based on the access destination information on the display unit 24 together with the display information, the display control unit 254 performs transparency processing on the content and superimposes the display information on the display information. good too. By doing so, even after the content is superimposed on the display information and displayed, the user can confirm the display information corresponding to the portion where the content is superimposed.

[Operation sequence]
FIG. 8 is an operation sequence diagram of the settlement system S. As shown in FIG.
The sequence diagram shown in FIG. 8 starts when the user selects a product to purchase at the store and brings the selected product to the store clerk using the store terminal 3 . The calculation unit 361 of the store terminal 3 acquires the product ID input by the store clerk at the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and calculates the product associated with the product ID. By specifying the price, the settlement amount is calculated. The calculation unit 361 causes the display unit 24 to display the settlement amount (S1).

When the issue request transmission unit 362 receives an operation related to a payment code issue request, the issue request transmission unit 362 transmits a payment code issue request and store information to the payment processing apparatus 1 (S2).
When the token transmission unit 132 of the payment processing apparatus 1 acquires the payment code issuance request and the store information, it generates a payment token for generating the payment code (S3). The token transmission unit 132 associates the generated payment token with the store information and stores them in the storage unit 12 (S4). The token transmission unit 132 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request (S5).

The code generation unit 363 of the store terminal 3 generates a payment code based on the payment token received from the payment processing device 1, and causes the display unit 34 to display the generated payment code (S6). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S7). After acquiring the payment token, the token transmission unit 263 of the user terminal 2 receives input of the payment amount from the user (S8). The token transmission unit 263 of the user terminal 2 transmits the payment token obtained from the payment code, the payment information including the payment amount, and the user ID to the payment processing device 1 (S9).

Subsequently, the payment information receiving unit 133 receives the payment token, payment information, and user ID from the user terminal 2 . When the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 134 associates the received user ID, payment information, and the received payment token with the payment token and stores them in the storage unit 12. Settlement processing is performed based on the stored shop information (S10).

The access destination specifying unit 135 selects content to be displayed on the user terminal 2 based on at least one of the store information associated with the received payment token, the received payment information, and the user information about the user indicated by the user ID. Access destination information for the user terminal 2 to access is specified (S11). The completion information transmission unit 136 transmits payment completion information indicating that payment has been completed and the specified access destination information to the user terminal 2 (S12).

After acquiring the payment completion information and the access destination information from the payment processing apparatus 1, the acquisition unit 255 of the user terminal 2 acquires the content based on the access destination information (S13).
Subsequently, the display control unit 254 causes the display unit 24 to display a settlement completion screen that includes the display information and the acquired content and indicates that the settlement has been completed (S14).

[Modification 1]
In the above description, the user terminal 2 that reads the payment code accepts the input of the payment amount presented by the store from the user, and transmits the payment information including the payment amount to the payment processing device 1, but the present invention is not limited to this. . For example, the shop terminal 3 may transmit payment information including a payment amount to the payment processing apparatus 1 together with a payment code issuance request and shop information. In this case, the token transmission unit 132 causes the storage unit 12 to store the received store information and payment information in association with the generated payment token.

The payment information receiving unit 133 receives the payment token and the user ID from the user terminal 2 that has read the payment code displayed by the store terminal 3 based on the payment token. If the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match, the payment processing unit 134 associates the received user ID with the received payment token. Based on the shop information and the payment information stored in the storage unit 12, the payment is made.

[Modification 2]
Further, for example, in a store, only products with the same price are handled, and the purchase price of the product by the user is constant. may be transmitted to the payment processing apparatus 1 in advance.

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

As shown in FIG. 9, first, the issue request transmission unit 362 transmits a payment code issue request, payment information including the payment amount, and shop information to the payment processing apparatus 1 (S21).
When the token transmission unit 132 of the payment processing device 1 receives payment information, shop information, and a payment code issuance request from the shop terminal 3, it generates a payment token (S22). The token transmission unit 132 stores the generated payment token, payment information, and store information in the storage unit 12 in association with each other (S23). Further, the token transmission unit 132 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request (S24).

When the code generation unit 363 receives the payment token from the payment processing apparatus 1, the code generation unit 363 stores the payment token in the storage unit 35 (S25).

At the store, the user selects a product to purchase and brings the selected product to a salesclerk using the store terminal 3 . Here, as described above, only products with the same price are handled in the store, and the purchase price of the user is always constant regardless of the type of product. A payment code is generated based on the stored payment token, and the generated payment code is displayed on the display unit 34 (S26). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S27). The token transmission unit 263 of the user terminal 2 transmits the payment token obtained from the payment code and the user ID to the payment processing apparatus 1 (S28).

The payment information receiving unit 133 receives the payment token and the user ID from the user terminal 2 . After that, the settlement processing unit 134, the access destination specifying unit 135, and the completion information transmitting unit 136 perform the same processing as the processing of S10 to S14 shown in FIG. 8, and give benefits to the user (S29 to S33).

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

[Modification 3]
Moreover, although the payment processing apparatus 1 acquires the access destination information at the timing of receiving the payment request, it is not limited to this. The payment processing apparatus 1 refers to the access destination identification DB 121 at the timing when the issuance request acquisition unit 131 acquires the store information along with the payment code issuance request, and specifies one or more pieces of access destination information based on the store information. may Then, at the timing of receiving the payment request, the payment processing apparatus 1 identifies access destination information to be transmitted to the user terminal 2 from the identified access destination information based on the user ID and payment information received together with the payment request. You may By specifying the access destination information by performing the two-stage process in this manner, the payment processing apparatus 1 can reduce the load associated with specifying the access destination information at the timing of receiving the payment request.

[Effects of payment system S]
As described above, when the payment processing apparatus 1 acquires store information and a payment code issuance request for making a payment from the store terminal 3, the payment processing apparatus 1 generates the acquired store information and the payment code. is associated with the payment token and stored in the storage unit 12, and the payment token is transmitted to the shop terminal 3. The payment processing device 1 receives the payment token, payment information, and user ID from the user terminal 2 that has read the payment code displayed by the shop terminal 3 based on the transmitted payment token. When the payment token stored in the storage unit 12 and the received payment token match, the payment processing device 1 performs payment based on the received payment information and the received user ID. The access destination information is specified based on at least one of the store information stored in the storage unit 12 in association with the received payment token, the received payment information, and the user information about the user indicated by the received user ID, and payment completion information. and the access destination information to the user terminal 2 . By doing so, the payment system S can present the content to the user who makes the code payment while reducing the burden on the payment processing device 1 .

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, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. 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 imaging unit 24 display unit 25 storage unit 26 control unit 31 operation unit 32 reading unit 33 communication unit 34 display unit 35 Storage unit 36 Control unit 121 DB for specifying access destination
122 Payment History DB
131 Issuance request acquisition unit 132 Token transmission unit 133 Payment information reception unit 134 Payment processing unit 135 Access destination identification unit 136 Completion information transmission unit 261 Operation reception unit 262 Code acquisition unit 263 Token transmission unit 264 Acquisition unit 265 Display control unit 361 Calculation Unit 362 Issuance request transmission unit 363 Code generation unit S Payment system

Claims (15)

the computer runs
a step of associating store information for identifying a store with a payment token for generating a payment code for making a payment and storing them in a storage unit;
The payment token, payment information corresponding to the payment of the product purchased by the user at the store, and the user for identifying the user are sent from the terminal of the user who reads the payment code presented at the store. receiving an identifier;
a step of making a payment based on the received payment information and the received user identifier when the payment token stored in the storage unit and the received payment token match;
The store information stored in the storage unit in association with the received payment token, the payment information, the user information about the user indicated by the received user identifier, and the number of points given to the user for the payment. whether or not the points are used, the usage amount of the points when the user uses the points for the payment, whether or not a privilege is given to the user in response to the payment, and whether the user receives a privilege in response to the payment and at least one of privilege identification information for identifying the privilege given to the user for the payment or the privilege used by the user, content to be displayed on the terminal identifying access destination information for the terminal to access;
a step of transmitting payment completion information indicating that the payment has been completed and the identified access destination information to the terminal;
An information processing method comprising: the computer runs
Store information for identifying a store corresponding to the store terminal, settlement information corresponding to settlement of the product purchased by the user at the store, and a request for issuance of a settlement code for performing the settlement, from the store terminal. and obtaining
a step of associating the acquired store information, the payment information, and a payment token for generating the payment code and storing them in a storage unit;
transmitting the payment token to the store terminal;
receiving the payment token and a user identifier for identifying the user from the terminal of the user who read the payment code displayed by the store terminal based on the payment token;
a step of making a payment based on the acquired payment information and the received user identifier when the payment token stored in the storage unit and the received payment token match;
The store information stored in the storage unit in association with the received payment token, the payment information, the user information about the user indicated by the received user identifier, and the number of points given to the user for the payment. whether or not the points are used, the usage amount of the points when the user uses the points for the payment, whether or not a privilege is given to the user in response to the payment, and whether the user receives a privilege in response to the payment and at least one of privilege identification information for identifying the privilege given to the user for the payment or the privilege used by the user, content to be displayed on the terminal identifying access destination information for the terminal to access;
a step of transmitting payment completion information indicating that the payment has been completed and the identified access destination information to the terminal;
An information processing method comprising: In the step of specifying the access destination information, the computer refers to a storage unit that stores at least one of store information, user information, and product identification information in association with the access destination information of the content, and refers to the received payment. the access destination information associated with at least one of store information associated with the token for use, product identification information identifying the product purchased by the user, and user information about the user indicated by the received user identifier; Identify,
The information processing method according to claim 1 or 2. The payment information includes the payment amount of the user at the store,
In the step of specifying the access destination information, the computer stores at least one of the payment amount range and the payment date and time range indicating the date and time of payment in association with the content access destination information. to specify the access destination information corresponding to at least one of the payment amount included in the payment information and the payment date and time when the payment is made based on the payment information;
The information processing method according to any one of claims 1 to 3. In the step of specifying the access destination information, the computer specifies the access destination information whose access destination is a content providing device that provides the content different from the computer.
The information processing method according to any one of claims 1 to 4. A mobile terminal possessed by a user and having a display unit and an imaging unit,
a code acquisition unit that, upon receiving an operation to start payment using a payment code, controls the imaging unit and acquires the payment code presented at the store from the captured image captured by the imaging unit;
a transmission unit that transmits a payment token indicated by the payment code acquired by the code acquisition unit to an information processing device;
an acquisition unit for acquiring, from the information processing device, payment completion information indicating that the payment using the payment token has been completed, and access destination information for the mobile terminal to access content;
a display control unit that causes the display unit to display display information based on the acquired payment completion information and the content specified based on the acquired access destination information;
A program that acts as a The acquisition unit acquires the content based on the acquired access destination information,
The display control unit causes the display unit to display display information based on the acquired payment completion information and the acquired content.
7. A program according to claim 6. After obtaining the access destination information, the obtaining unit obtains the content based on the obtained access destination information without receiving an operation by the user.
8. A program according to claim 7. the acquisition unit acquires the content via wireless communication based on the acquired access destination information;
A program according to claim 7 or 8. The display control unit causes the display unit to display the content after displaying the display information on the display unit.
A program according to any one of claims 6 to 9. The display control unit displays the content such that at least part of the content is superimposed on the display information.
A program according to any one of claims 6 to 10. The payment completion information includes information indicating the payment amount at the user's store,
The display control unit causes the display unit to display the display information including the payment amount, and displays the content so as not to overlap the display area of the payment amount included in the display area of the display unit.
12. A program according to claim 11. The acquisition unit acquires, as the access destination information, a URL destined for a content providing device that provides the content different from the information processing device, or a schema for activating an application that provides the content,
The display control unit causes the display unit to display the content based on the acquired URL or schema.
A program according to any one of claims 6 to 12. The transmission unit transmits the payment code issuance request to the information processing device based on the address of the information processing device that is defined in advance in the program.
A program according to any one of claims 6 to 13. a content providing device that provides the content stores a plurality of content;
the access destination information indicates one of the plurality of contents stored in the content providing device;
The display control unit causes the display unit to display content indicated by the access destination information among the plurality of contents stored in the content providing device.
A program according to any one of claims 6 to 14.

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