JP2023029329A - Settlement management apparatus, settlement management system, and settlement management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement management system, apparatus and method which simplify the effort for settlement of a user.

SOLUTION: In a settlement management system, a settlement management apparatus 3 includes: a user registration unit 354 which acquires first user authentication data, and causes a storage unit, when the first user authentication data corresponds to pre-registered user data stored in the storage unit in association with user identification information for identifying a user, to store registration-completion information indicating that the user has been authenticated, in association with the user identification information; a store settlement information registration unit 355 which acquires store settlement information in association with second user authentication data from a store terminal disposed in a store registered in advance, and causes the storage unit to store the store settlement information in association with the user identification information; and a settlement information processing unit 357 which transmits, in accordance with acquisition of third user authentication data in a predetermined settlement terminal, information on the amount to be settled including a store settlement amount indicated by the store settlement information, to the settlement terminal or an external settlement apparatus that executes settlement processing.

SELECTED DRAWING: Figure 4

COPYRIGHT: (C)2023,JPO&INPIT

Description

The present invention relates to a payment management device, a payment management system, and a payment management method.

Patent Literature 1 discloses a system in which a photograph of the face of a user of an accommodation facility adjacent to an entertainment facility such as a theme park is taken, and facial matching technology is used to collect payment when the user purchases a product at a store of the entertainment facility. A technique is disclosed that allows settlement without payment.

JP 2016-126414 A

Patent Literature 1 is intended for users of theme parks, and does not disclose a settlement method in general tourist spots or areas. For example, if a user who visits a certain tourist spot or area uses an accommodation facility or store in that area, it will be possible to make cashless payments, and a system that will allow the user to enjoy their stay in that area empty-handed. Desired.

Accordingly, the present invention has been made in view of these points, and it is an object of the present invention to provide a payment management device, a payment management system, and a payment management method that can simplify the user's work for payment.

The settlement management apparatus of the present invention acquires first user authentication data of a user acquired by a user registration terminal, stores the first user authentication data in a storage unit in association with user identification information for identifying the user. a user registration unit that stores registered information indicating that the user has been authenticated in the storage unit in association with the user identification information when corresponding to the stored pre-registered user data; store payment information is acquired in association with the second user authentication data from the installed store terminal, and stored in the storage unit in association with the pre-registered user data corresponding to the second user authentication data; a store payment information registration unit that stores the store payment information in the storage unit in association with user identification information; Payment amount information including a store payment amount indicated by the store payment information stored in the storage unit in association with the user identification information stored in the storage unit in association with the pre-registered user data corresponding to the data for use to the payment terminal or the external payment device that executes payment processing.

The payment information processing unit may notify the payment amount to the payment terminal capable of paying in cash.

The settlement management device of the present invention acquires facility settlement information indicating the settlement amount of the user at a predetermined facility where the user stays in association with the third user authentication data, and acquires the third user authentication data. a facility payment information registration unit that stores the facility payment information in the storage unit in association with the user identification information stored in the storage unit in association with the article pre-registration user data; a payment amount indicated by the facility payment information associated with the user identification information and a payment amount indicated by the store payment information when the registered information is stored in the storage unit in association with the user identification information; may be transmitted to the terminal for payment or the external payment device.

The user registration unit acquires, as the first user authentication data, biometric data of the user generated by the user registration terminal that is installed in the predetermined facility and captures the user's face, and stores the store payment information registration unit. obtains biometric data of the user taken at the store when the user uses the store as the second user authentication data, and the facility payment information registration unit is installed at the predetermined facility. Biometric data of the user generated by the payment terminal that captures the face of the user may be obtained as the third user authentication data.

The store payment information registration unit acquires biometric data of the user photographed at the store when the user uses the store as the second user authentication data, and corresponds to the second user authentication data. When the first user authentication data or the registered information associated with the user identification information is stored in the storage unit, a settlement permission notification indicating that the user can make a settlement at the store is sent to the It may further include a payment acceptance/rejection determination unit that transmits to the store terminal.

The user registration unit acquires the biometric data of the user generated by the user registration terminal that captures the face of the user as the first user authentication data, and is the biometric data of the user captured at the store. The store terminal associates the biometric data, which is the first user authentication data, with the user identification information so that the store terminal can determine whether the user can make a payment using the second user authentication data. It may further have a face authentication information transmission unit that transmits to.

The settlement management apparatus of the present invention further comprises a discount processing unit that determines a discount amount corresponding to the discount information based on predetermined discount information, and determines an amount obtained by subtracting the discount amount from the settlement amount as the final settlement amount. may

The predetermined discount information includes a discount rate associated with the number of times the user uses a predetermined facility or a facility affiliated with the predetermined facility, a discount rate associated with the number of times the user uses the store, At least one of a discount rate associated with the number of times the user has visited an area including the facility and a discount rate preset for each store may be included.

The payment information processing unit may transmit payment information to the external payment device when information indicating that the user has checked out from the facility is received.

The settlement management apparatus of the present invention stores pre-registered user data for specifying the user transmitted in advance from a user terminal possessed by the user in the storage unit in association with the user identification information. You may further provide a part.

A payment management system of the present invention comprises the payment management apparatus described above, a user registration terminal arranged in a predetermined facility for acquiring the first user authentication data when a user checks in, and a plurality of shops registered in advance. and a store terminal installed in the

The store terminal includes an imaging unit for capturing an image of the user and a control unit. The control unit transmits image data of the user captured by the imaging unit at the store when the user uses the store to a second user. When receiving a payment permission notification indicating that the user can make a payment at the store based on the image data of the user, which is transmitted to the payment management device as authentication data and transmitted from the payment management device Payment processing may be performed at the store.

The control unit of the store terminal may generate or acquire usage count information indicating the number of times the user has used the store, and transmit the usage count information to the payment management device together with the store payment information.

The store terminal has a first operation mode in which the imaging unit of the store terminal captures a face image of the user, and a second operation mode in which face image data captured by the imaging unit of the user terminal owned by the user is acquired. and may have

In the settlement management method of the present invention, first user authentication data of a user acquired by a user registration terminal is acquired, and the first user authentication data is stored in a storage unit in association with user identification information for identifying the user. a step of storing registered information indicating that the user has been authenticated in the storage unit in association with the user identification information when corresponding to the stored pre-registered user data; store payment information is acquired in association with the second user authentication data from the store terminal, and the user identification stored in the storage unit in association with the pre-registered user data corresponding to the second user authentication data; a step of storing the store payment information in the storage unit in association with information; Payment amount information including the store payment amount indicated by the store payment information stored in the storage unit is stored in association with the user identification information stored in the storage unit in association with the article pre-registration user data for the payment and sending to a terminal or an external payment device that executes payment processing, and each of the above steps is executed by a computer.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability to simplify a user's effort of payment.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure which shows the whole structure of the settlement management system which concerns on one form of this invention. 3 is a block diagram showing the configuration of a facility terminal; FIG. It is a block diagram which shows the structure of a shop terminal. It is a block diagram which shows the structure of a payment management apparatus. A data table in which facility payment information and store payment information are associated with user identification information. It is a flow chart which shows the operation of the whole payment management system. It is a figure which shows the payment management system of 2nd Embodiment. It is a block diagram which shows the structure of the terminal for payment. It is a flowchart which shows the flow of the settlement with cash in 2nd Embodiment.

<First embodiment>
The settlement management system of this embodiment will be described below with reference to the drawings. FIG. 1 is a diagram showing the overall configuration of a settlement management system according to one embodiment of the present invention. In the following, an example will be described in which the user visits a predetermined area, stays at a facility H within the area, and does shopping at a plurality of stores S within the area. The user is not limited to a traveler, and may be a business traveler who has visited a predetermined area for work, or may be a resident or a business operator of the area.

(Overview of Settlement Management System S100)
The settlement management system S100 includes a facility terminal 1, a store terminal 2, a settlement management device 3, and a settlement server 4. A plurality of facility terminals 1, store terminals 2, payment management devices 3, and payment servers 4 may be provided.

In the first embodiment, the user makes purchases at the facility H and a plurality of stores S while staying at the facility H, and when checking out of the facility H, the payment server 4 performs shopping at the facility H and a plurality of stores S. exemplifies that the settlement of the In the second embodiment, a user who does not stay at the facility H makes purchases at a plurality of stores S, and a payment terminal (details will be described later) collectively settles the purchases at a predetermined timing when the user wishes to make the payment. Illustrate.

The facility terminal 1 is installed in a facility H such as a hotel or an inn, for example. The store terminal 2 is installed in a store S registered in advance in association with the facility H. The settlement management device 3 is communicably connected to the facility terminal 1, the shop terminal 2 and the settlement server 4. FIG. The settlement server 4 is, for example, an external settlement device that performs settlement processing managed by a credit card company. Since the settlement process itself performed by the settlement server 4 is a known process, a detailed description thereof will be omitted. In this payment management system S100, the payment management device 3 manages user authentication data, payment information for each store S, and payment information for the facility H. FIG.

When the user checks in at the facility H, the user is authenticated using the face image data, which is the first user authentication data for authenticating the user. The face image data, which is the second user authentication data, can be used to purchase goods or services (hereinafter also simply referred to as goods or the like). The settlement amount for the products purchased at the store S is transmitted from the store terminal 2 to the settlement management device 3 . When the user checks out from the facility H, when authentication is performed using the face image data, which is the third user authentication data for authenticating the user, the payment management device 3 collects the expenses incurred at the facility H. The total sum of the amount and the settlement amount received from the store terminal 2 is transmitted to the settlement server 4. - 特許庁Then, the settlement server 4 collectively settles the accounts.

By configuring the payment management system S100 in this way, the user who has checked in to the facility H can enjoy shopping at the store S without having to pay with cash or a credit card.

Note that the first user authentication data, the second user authentication data, and the third user authentication data (hereinafter each data will be simply referred to as "user authentication data") may be user-specific data. Any data may be used. The user authentication data may be, for example, biometric data of the user, or any information other than biometric data that can identify the user.

As the biometric data of the user, for example, the user's face image data, auricle image data, iris image data, fingerprint data, voiceprint data, or the like can be used. Any information other than biometric data that can identify the user includes, for example, data on the user's clothes appearing in an image generated by the imaging unit shooting the user, and data generated by the imaging unit shooting the user for a certain period of time. It may be data or the like indicating the user's actions indicated by the continuous images.

The settlement management device 3 authenticates the user by comparing the user authentication data with the pre-registered user data. As an example, when the user checks in to the facility H for the first time, the payment management device 3 stores the pre-registered user data, which is text data such as the e-mail address, telephone number, or password used for reservation, and the user's authenticates the user by comparing it with the first user authentication data, which is the text data input by .

The facility terminal 1 generates face image data by photographing the user's face when the user checks in, and transmits the generated face image data to the payment management device 3 . The payment management device 3 may store the face image data received from the facility terminal 1 in association with the user identification information, and use the face image data as pre-registered user data when authenticating the user next time.

When the user goes shopping at the store S, the store terminal 2 captures an image of the user to generate face image data, and transmits the generated face image data to the payment management device 3 . For example, the payment management device 3 compares the face image data received from the facility terminal 1 when the user checks in at the facility H with the face image data received from the store terminal 2, thereby determining whether the user at the store S to authenticate. By configuring the settlement management system S100 in this way, even if the user does not register the face image data in the settlement management device 3 before checking in, the store S can use the biometric data such as the face image. can be easily settled.

Further, when the user checks in at the facility H again in the future, the facility terminal 1 may photograph the user to create face image data, and transmit the created face image data to the settlement management device 3. . The settlement management device 3 receives the face image data received from the facility terminal 1 and the face image data received from the facility terminal 1 when the user checked in to the facility H in the past and stored as pre-registered user data. The comparison may authenticate the user.

In this case, the settlement management device 3 may store face image data newly received from the facility terminal 1 as preliminary pre-registered user data. By configuring the payment management system S100 in this way, users who have used the facility H can easily check in without entering text data. Also, the payment management system S100 accumulates a plurality of face image data as pre-registered user data, and uses the accumulated face image data as pre-registered user data to authenticate the user, thereby improving the accuracy of authentication.

In the following embodiments, an example in which face image data, which is biometric data of a user, is used as user authentication data will be described.

(About facility terminal 1)
FIG. 2 is a block diagram showing the configuration of the facility terminal 1. As shown in FIG. The facility terminal 1 is a terminal that acquires the face image data of the user, which is the first user authentication data, when the user checks in at the facility H. FIG. The facility terminal 1 also acquires the user's face image data when the user checks out of the facility H. FIG. In this embodiment, the facility terminal 1 functions as a user registration terminal and a settlement terminal.

The facility terminal 1 is, for example, a desktop computer or a tablet computer placed at the reception counter of the facility H. FIG. The facility terminal 1 has an input unit 11, a display unit 12, a communication unit 13, an imaging unit 14, a storage unit 15, and a control unit 16, as shown in FIG.

The input unit 11 is a device such as a keyboard and a mouse, and is operated by an employee of the facility H or a user. The input unit 11 may be a touch panel that constitutes a touch panel display. A microphone may be provided as the input unit 11 when the control unit 16 has a voice recognition function. Further, as the input unit 11, a biometric data acquisition device for acquiring fingerprint data or voiceprint data of the user may be provided.

The display unit 12 is one or more displays that display various information. The communication unit 13 is a communication interface that communicably connects the facility terminal 1 to the settlement management device 3 via a network such as the Internet. The image capturing unit 14 is an image capturing device such as a camera, and captures a user's face at the facility H to generate face image data at check-in, which is first user authentication data. The imaging unit 14 also generates face image data at the time of checkout, which is the third user authentication data, when the user checks out. The face image data generated by the imaging unit 14 may be used for biometric authentication such as iris authentication and auricle authentication.

The storage unit 15 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 15 stores computer programs executed by the control unit 16 .

The control unit 16 is, for example, a CPU (Central Processing Unit). The control unit 16 functions as an operation control unit 161 , a display control unit 162 , a face authentication processing unit 163 , and a payment information processing unit 164 by executing computer programs stored in the storage unit 15 .

The operation control unit 161 controls operations of each unit of the facility terminal 1 including the imaging unit 14 . The display control unit 162 operates the display unit 12 in response to a predetermined input to the input unit 11 and in response to the facility terminal 1 receiving a predetermined notification from the payment management device 3 via the communication unit 13. to control.

The face authentication processing unit 163 performs face authentication of the user based on the user's face image data generated by the imaging unit 14 at the time of check-in. The user's face authentication may be performed by the facility terminal 1 itself without the facility terminal 1 communicating with the payment management device 3, or the facility terminal 1 may transmit the face image data to the payment management device 3 and The settlement management device 3 that receives the may perform user authentication. An example in which the payment management device 3 performs face authentication of the user will be described below.

The face authentication processing unit 163 transmits the user's face image data generated as the first user authentication data by the imaging unit 14 to the payment management device 3 . After the payment management device 3 performs face authentication of the user based on face image data, when the face authentication processing unit 163 receives a result notification indicating that the user has been correctly face-authenticated from the payment management device 3, display control is performed. The unit 162 causes the display unit 12 to display, for example, a message indicating that the user has been correctly authenticated. When the face authentication processing unit 163 receives a notification that the user has not been correctly authenticated from the settlement management device 3, the display control unit 162 causes the display unit 12 to display a message that the user has not been correctly authenticated. .

The face authentication processing unit 163 is registered in advance as reservation information in the payment management device 3, for example, so that a user or an employee can check in to the facility H by face authentication without entering the user's address, name, etc. into the facility terminal 1. Information such as the address and name of the user who received the information may be obtained from the payment management device 3 .

When the facility terminal 1 itself authenticates the user's face, for example, the face image data of the user who uses the facility is stored in advance in the storage unit 15 of the facility terminal 1 in association with the user identification information. The face authentication processing unit 163 compares the user's face image data generated by the imaging unit 14 at the time of check-in with the user's face image data stored in advance in the storage unit 15, and based on the degree of similarity between the two images, Authenticate that the user who is checking in is a pre-registered user. If the user is determined to be a pre-registered user, a message may be displayed to the user, for example, indicating that check-in by face authentication is permitted.

The payment information processing unit 164 includes the accommodation charges of the facility H and the charges of the products purchased by the user at the facility H during the stay, so that the payment management device 3 can perform the payment processing for shopping by the user. Facility payment information indicating the payment amount at the facility H of the user is generated. The payment information processing unit 164 transmits the facility payment information to the payment management device 3 together with the user's face image data generated by the imaging unit 14 at the time of checkout.

Note that the payment information processing unit 164 may transmit the facility payment information and the user's face image data to the payment management device 3 separately. Further, the facility payment information indicating the payment amount of the user at the facility H is generated by a facility management device (not shown) that is different from the facility terminal 1 and has been conventionally installed, for example, in a hotel. facility payment information indicating the payment amount at the facility H may be transmitted to the payment management device 3 .

FIG. 3 is a block diagram showing the configuration of the store terminal 2. As shown in FIG. The store terminal 2 is a desktop computer or tablet computer installed in the store S. FIG. The store terminal 2 is a terminal that allows the user to make payments at the store S by face authentication instead of by credit card or cash.

The stores S are a plurality of facilities existing in the area where the facilities H such as hot spring facilities, souvenir shops, restaurants, activity facilities, and tourist facilities exist. In this specification, the process of making a payment by performing face authentication may be referred to as face authentication payment.

The store terminal 2 has an input unit 21, a display unit 22, a communication unit 23, an imaging unit 24, a storage unit 25, and a control unit 26, as shown in FIG. The input unit 21 is a device such as a keyboard and a mouse, and is operated by a salesclerk of the store S or a user. The input unit 21 may be a touch panel that constitutes a touch panel display. A microphone may be provided as the input unit 21 when the control unit 26 has a voice recognition function. As the input unit 21, a biometric data acquisition device for acquiring fingerprint data or voiceprint data of the user may be provided. The display unit 12 is one or more displays that display various information.

The communication unit 23 is a communication interface that communicably connects the store terminal 2 to the settlement management device 3 via a network such as the Internet. The image capturing unit 24 is an image capturing device that captures a user's face at the store S and generates face image data, which is user authentication data. The face image data generated by the imaging unit 24 may be used for biometric authentication such as iris authentication and auricle authentication. The storage unit 25 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 25 stores computer programs executed by the control unit 26 .

The control unit 26 is, for example, a CPU (Central Processing Unit). The control unit 26 functions as an operation control unit 261 , a display control unit 262 , a face authentication processing unit 263 , and a payment information processing unit 264 by executing computer programs stored in the storage unit 25 . The operation control unit 261 controls operations of each unit of the store terminal 2 including the imaging unit 24 . The display control section 262 controls the operation of the display section 22 .

The face authentication processing unit 263 performs user face authentication based on the user's face image data generated by the imaging unit 24 capturing an image of the user at the store S. This face authentication is a process for confirming whether or not the user is a person who can perform face authentication settlement. The face authentication process may be performed by the shop terminal 2 itself without the shop terminal 2 communicating with the payment management device 3, or the payment management device 3 receives the face image data of the user transmitted by the shop terminal 2. may go. An example in which the payment management apparatus 3 performs face authentication processing will be described below.

The face authentication processing unit 263 transmits the user's face image data generated as the second user authentication data by the imaging unit 24 to the payment management device 3 . Specifically, the face authentication processing unit 263 transmits store payment amount information indicating the payment amount of the user at the store S to the payment management device 3 together with the face image data.

After the payment management device 3 executes face authentication processing, the face authentication processing unit 263 receives from the payment management device 3 a result notification indicating that the user can make payment by face authentication in association with the user identification information. . When the face authentication processing unit 263 receives the result notification, the display control unit 262 causes the display unit 22 to display, for example, a message to the effect that the user can make a payment. When the face authentication processing unit 263 receives a notification indicating that the user cannot make a payment by face authentication, the display control unit 262 causes the display unit 22 to display a message to that effect.

The face image data that the face authentication processing unit 263 transmits to the payment management device 3 may be the face image data of the user generated by the imaging unit 24 capturing an image of the user at the store S, or a smartphone owned by the user, for example. It may be face image data photographed by a user terminal such as. In order to enable acquisition of such face image data, the shop terminal 2 has a first operation mode in which the imaging unit 24 of the shop terminal 2 captures a face image of the user, and a face image data acquired from the user terminal and used by the user. and a second operation mode for performing authentication, and the mode may be switchable according to the selection of the store S clerk or the user.

The payment information processing unit 264 generates store payment information indicating the payment amount for the product purchased by the user at the store S. When the face authentication processing unit 263 receives a result notification indicating that payment can be made by face authentication, the amounts of purchased products specified by reading barcodes attached to the products with a barcode reader, for example, are summed up. The payment information processing unit 264 generates store payment information including the payment amount and the user identification information.

The store payment information may include information indicating the store S, information indicating the product purchased by the user, and information such as the purchase date and time. The payment information processing unit 264 may also have a function of performing conventional payment processing with cash or credit card so that payment can be made even if the user cannot use payment by face authentication.

(Regarding payment management device 3)
FIG. 4 is a block diagram showing the configuration of the settlement management device 3. As shown in FIG. The payment management device 3 is a server that receives various data transmitted from the facility terminal 1 and/or various data transmitted from the store terminal 2 and processes the received data. The settlement management device 3 has an input unit 31, a display unit 32, a communication unit 33, a storage unit 34, and a control unit 35, as shown in FIG. Although the settlement management device 3 is shown as one device in FIG. 1, the settlement management device of the present invention may be composed of a plurality of distributed devices.

The input unit 31 is a device such as a keyboard and mouse. The display unit 32 is one or more displays that display various information. The communication unit 33 is a communication interface that communicably connects the payment management device 3 to the plurality of facility terminals 1, the plurality of shop terminals 2, and the payment server 4 via a network such as the Internet. The storage unit 34 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 34 stores computer programs executed by the control unit 35 .

The storage unit 34 stores user-specific pre-registered user data in association with user identification information assigned to each of a plurality of users. In this embodiment, an example in which face image data is used as pre-registered user data will be described. may "Arbitrary data" is text data such as the user's phone number or e-mail address, for example. Moreover, the storage unit 34 may store a plurality of data as pre-registered user data. The storage unit 34 may store, for example, text data and a plurality of face image data as pre-registered user data.

FIG. 5 is a data table in which facility payment information and store payment information are associated with user identification information. In the data table shown in FIG. 5, user ID as user identification information, check-in information, facility payment information, store payment information, and total payment amount are associated. The facility payment information is information indicating the amount of money that the user should pay at the facility H. The store payment information is information indicating the amount of money that the user purchased the product or the like at the store S. The total payment amount is the sum of the payment amount indicated by the facility payment information and the payment amount indicated by the store payment information.

The storage unit 34 also stores data including a list of a plurality of facilities H where face authentication payment is available and a list of a plurality of stores S registered in advance in association with each facility H. That is, the storage unit 15 stores information on the store S in association with the facility H. FIG. The storage unit 34 may store the coupon information that the user can use at least one of the facility H and the store S in association with the facility H or the store S. The storage unit 34 may also store data indicating coupon application conditions and discount conditions. Assuming a user who does not stay at the facility H, the storage unit 34 may not store the list of the facility H, and may store only the list of the plurality of stores S where face authentication payment is available.

The control unit 35 is, for example, a CPU (Central Processing Unit). By executing the computer program stored in the storage unit 34, the control unit 35, as shown in FIG. It functions as an information registration unit 355 , a facility payment information registration unit 356 , a payment information processing unit 357 , a payment availability determination unit 358 and a discount processing unit 359 . The operation control unit 361 controls operations of each unit of the settlement management device 3 . The display control section 362 controls the operation of the display section 32 .

The prior information registration unit 353 acquires in advance the face image data 41 (described later with reference to FIG. 6) of the user who uses the facility H, and stores it in the storage unit 25 . The pre-information registration unit 353 acquires, as pre-registration user data, face image data representing the user's face taken with a user terminal such as a smartphone owned by the user before using the facility H, for example. The pre-information registration unit 353 receives the user identification information and the face image data from the user terminal, associates the face image data with the user identification information, and stores it in the storage unit 34 as pre-registered user data.

The pre-information registration unit 353 may store the face image data in the storage unit 34 in association with the user identification information assigned to each user by the pre-information registration unit 353 instead of the user identification information transmitted from the user terminal. . The pre-information registration unit 353 registers a telephone number, e-mail address, or the like, which is pre-registered user data for identifying the user, transmitted in advance from a user terminal owned by the user before the user checks in at facility H. It may be stored in the storage unit 34 in association with the user identification information.

The user registration unit 354 is acquired by the facility terminal 1, which is the registration terminal, when the user checks in at the facility H, and is the first user authentication data transmitted from the facility terminal 1, which is the face of the user at check-in. Receive image data 42 . The user registration unit 354 determines whether or not the received face image data 42 of the user at the time of check-in corresponds to the face image data stored in the storage unit 25 in advance as pre-registered user data.

The user registration unit 354 compares the user's face image data stored as pre-registered user data with the user's face image data 42 at the time of check-in, and determines whether the two images correspond based on the degree of similarity between the two images. Determine whether or not For example, when the user registration unit 354 determines that the correlation value between the face image data, which is pre-registered user data, and the face image data 42 is equal to or greater than the correlation value between a plurality of face image data of the same person, It is determined that both images correspond, and the user's face image data 42 at the time of check-in is stored in the storage unit 25 in association with the user identification information.

The store payment information registration unit 355 associates the face image data 43, which is the second user authentication data generated by the imaging unit 24 of the store terminal 2 installed in the pre-registered store with the image of the user, to store the store S Acquire store payment information including information on the payment amount of the user at . The store payment information registration unit 355 compares the obtained face image data 43 in the store S with the user's face image data 41 stored as pre-registered user data registered in advance in the storage unit 34, Based on the degree of similarity between the two images, it is determined whether the two images correspond to each other. When both images correspond, the store payment information registration unit 355 stores the store payment information in the storage unit 34 in association with the user identification information.

When the face image data 41 of the user is not registered in advance as the pre-registered user data, the store payment information registration unit 355 registers the face image data 42 obtained at the facility H at check-in and the face image data 43 at the store S. By comparison, it may be determined that both images correspond. When both images correspond, the store payment information registration unit 355 may store the acquired face image data 43 or the like in the storage unit 34 in association with the user identification information.

When the user checks out from the facility H, the facility payment information registration unit 356 acquires the face image data 44 at the time of checkout in association with the facility payment information indicating the payment amount at the facility H of the user. The face image data 44 at the time of checkout is data for third user authentication, and is generated by photographing the user by the facility terminal 1 . The facility payment information registration unit 356 compares the obtained user's face image data 44 at the time of checkout with the user's face image data stored in advance as pre-registered user data in the storage unit 34, and determines the degree of similarity between the two images. , it is determined whether the two images correspond to each other. When both images correspond, the facility payment information registration unit 356 stores the store payment information in the storage unit 34 in association with the user identification information stored in the storage unit 34 in association with the pre-registered user data.

The payment information processing unit 357 generates payment information indicating the sum of the user's payment amount indicated by the facility payment information and the payment amount indicated by the store payment information stored in the storage unit 34 . The payment information processing unit 357 transmits the generated payment information and user identification information to the payment server 4, which is an external payment device that executes credit card payment processing, and receives notification of whether payment is possible or not from the payment server 4. do.

The settlement possibility determination unit 358 acquires the user's face image data 43 photographed at the store S, identifies the user identification information corresponding to the face image data 43, and identifies the pre-registered user associated with the identified user identification information. When it is determined that face image data, which is data, is stored in the storage unit 34 , a result notification, which is a payment permission notification indicating that the user can make a payment at the store S, is transmitted to the store terminal 2 .

The settlement approval/disapproval determination unit 358 sends a settlement permission notice indicating that the user can make a settlement at the store S when the check-in information is stored in the storage unit 34 in association with the user identification information corresponding to the face image data 43. may be transmitted to the store terminal 2. That is, on the condition that the user has completed check-in at the facility H, the settlement determination unit 358 determines that the user can make a settlement by face authentication based on the face image data 43 at the store S. You may

The payment availability determination unit 358 may store the face image data 43 in the storage unit 34 in association with the user identification information, the pre-registered user data, or the store payment information. The payment management device 3 provides the face image data 43 and the store payment information stored in the storage unit 34 in this manner to the terminal used by the store clerk at the store S, so that the store clerk can, for example, when and at which store, It becomes possible to confirm what kind of product which user has purchased after the fact.

The discount processing unit 359 discounts the settlement amount when there is an applicable coupon or the like at the facility H and store S used by the user. Based on the facility H where the target user is staying, the store S associated with the facility, and predetermined discount information, if the coupon can be applied, the discount processing unit 359 calculates the discount amount corresponding to the discount information. to decide. The discount processing unit 359 determines an amount obtained by subtracting the discount amount from the sum of the user's payment amount at the facility H and the payment amount indicated by the store payment information at the store S as the final payment amount.

The predetermined discount information is, for example, a discount rate associated with the number of times the user has used facility H or a facility affiliated with facility H, a discount rate associated with the number of times the user has used store S, or a discount rate associated with the number of times the user has used store S. It may be a discount rate or the like associated with the number of times the area including H is visited. Also, the discount information may be a discount rate set in advance for each store S, or the like.

(Operation sequence of payment management system S100)
The operation of the settlement management system S100 and the settlement management method of this embodiment will be described with reference to the data table of FIG. 5 and the flowchart of FIG. In the following, after the user makes a reservation in advance to stay at the facility H, the user checks in at the facility H, uses the facility H and the surrounding shops S during the period of staying at the facility H, and then the user It is exemplified that the payment at the store S and the payment at the facility H are collectively performed in the payment server 4 when checking out.

In the example shown in FIG. 6, the pre-registered user data is face image data created in advance by the user terminal, and the settlement management device 3 uses the face image data to authenticate the user when the user checks in. .

First, in step S1, the user takes a picture of his or her face using, for example, an application for a settlement management system installed in the user terminal owned by the user. The user operates the user terminal to associate the face image data 41 with the user ID, which is user identification information, and transmit the data to the payment management apparatus 3 . The payment management device 3 acquires the face image data 41 as pre-registered user data in association with the user identification information.

If the application for the payment management system has a function of reserving facility H, the advance information registration unit 353 of the payment management device 3 registers information on the reservation of facility H (user ID, user name, address, stay date, information such as number of people, rooms to stay, etc.) may be received from the user terminal as pre-registered user data.

In step S2, the pre-information registration unit 353 causes the storage unit 34 to store the face image data 41 transmitted from the user terminal in association with the user identification information. When information about the reservation of the facility H is transmitted from the user terminal, the advance information registration unit 353 may cause the storage unit 34 to store the information about the reservation of the facility H as well.

In step S3, the user checks in at facility H. A user or an employee of the facility takes a picture of the user's face using the facility terminal 1 to acquire the user's face image data 42 at the time of check-in. The facility terminal 1 transmits the user's check-in information (for example, check-in date and time information) and the user's face image data 42 at the time of check-in to the settlement management device 3 . In one embodiment, it is preferable that the process in step S3 can be performed only by the user so that the check-in to the facility H can be performed only by face authentication without the presence of an employee.

In step S<b>4 , the user registration unit 354 of the payment management device 3 receives the face image data 42 at check-in transmitted from the facility terminal 1 . The user registration unit 354 determines whether the received face image data 42 corresponds to the face image data 41 stored in the storage unit 34 as pre-registered user data.

The user is authenticated on the condition that the user's face image data 42 corresponds to the face image data 41 stored in the storage unit 34, and the user registration unit 354 performs a check indicating that the user has checked in to the facility H. The in information is stored in the storage unit 34 in association with the user identification information.

When the user registration unit 354 determines that the face image data 42 of the user at the time of check-in does not correspond to the face image data 41 stored as the pre-registered user data, a check-in The information and the face image data 42 are not stored in the storage unit 34. As an example, if the user's face image data 42 corresponds to the face image data 41 stored in the storage unit 25, the user registration unit 354 registers that the user checks in using face authentication and/or A result notification indicating that authentication settlement is possible is transmitted to the facility terminal 1 .

Through the above steps, the user registration unit 354 registers the face image stored as pre-registered user data when the face image data 42 of the user at the time of check-in corresponds to the face image data 41 stored as pre-registered user data. The data 41, check-in information, etc. are stored in the storage unit 34 in association with the user identification information. The fact that the storage unit 34 stores such data indicates that the user who made a reservation for the facility H actually checked in at the facility H. As described above, the pre-registered user data may be telephone numbers, e-mail addresses, etc., instead of the face image data 41 of the user.

In step S5, the user makes a payment using a store S such as a restaurant. Here, for example, it is assumed that the user uses "store A" (see FIG. 5) as store S, and the settlement amount at this store is "15,000 yen". A store clerk at the store S takes a picture of the user's face using the store terminal 2, and transmits to the settlement management device 3 the store settlement information including the settlement amount information and the user's face image data 43 at the store S. . In addition, in the store S, the user himself/herself may operate the store terminal 2 instead of the store clerk to perform the above steps.

In step S<b>6 , the payment management device 3 receives the store payment information and the user's face image data 43 transmitted from the store terminal 2 . Specifically, store payment information registration unit 355 receives store payment information and face image data 43 . The store payment information registration unit 355 compares the received face image data 43 with the face image data 41 stored as pre-registered user data in the storage unit 34, and determines the face image of the user corresponding to the received face image data 43. It is determined whether or not data 41 exists. If the corresponding user's face image data 41 exists, the user can make a payment at the store S using face authentication, and the store payment information registration unit 355 notifies the result that the face authentication payment is possible. to the store terminal 2.

When the face image data 41 of the user corresponding to the face image data 43 at the store S exists, the store payment information registration unit 355 associates the face image data 41 with the user identification information (for example, "abc123", see FIG. 5) of the user. Then, store settlement amount information (for example, “15,000” yen) at store A is stored in the storage unit 34 .

Even if the user's face image data 41 corresponding to the face image data 43 is not stored in the storage unit 34, the face image data 42 corresponding to the face image data 43 at the store S is stored in the storage unit 34. If stored, the store payment information registration unit 355 may cause the storage unit 34 to store the store payment amount information in association with the user identification information. By configuring the settlement management device 3 in this manner, face authentication settlement is possible even when the face image data 43 does not correspond to the face image data 41 or when the face image data 41 does not exist. .

In step S7, the store terminal 2, which receives the result notification indicating that the face authentication settlement is possible, transmitted by the store settlement information registration unit 355, causes the display unit 22 to display a predetermined user interface, and allows the user to perform face authentication. Notify me that payment is possible.

As the predetermined user interface, for example, a message such as "Would you like to make payment by face authentication?" When the user selects "yes", the store settlement processing using face authentication at the store S is completed, and the user can complete the settlement without cash payment or credit card settlement processing. . When the face authentication payment is possible and/or when the face authentication payment is completed, the store terminal 2 may notify the user of the completion by emitting a sound, for example.

When the store terminal 2 receives the result notification from the settlement management apparatus 3 indicating that the face authentication settlement is not possible, the display control unit 262 displays on the display unit 22, for example, "If you are not registered, please pay at the store." Please" message may be displayed.

The shop terminal 2 and the settlement management device 3 perform the same steps as steps S5 to S7 for "shop B". As a result, the storage unit 34 of the payment management device 3 stores, for example, store payment information of a payment amount of "8,000 yen" for "store B", as shown in the data table of FIG. The total store settlement amount, which is the sum of the settlement amounts of "store A" and "store B", is "23,000" yen.

The user checks out facility H in step S8. In this step, for example, an employee or user of the facility H operates the facility terminal 1 and confirms the user's settlement amount at the facility H (for example, "30,000 yen"). An employee or a user operates the facility terminal 1, photographs the user's face at checkout, and obtains the user's face image data 44 at checkout. The facility terminal 1 transmits the user's face image data 44 at the time of check-out and facility payment information indicating the payment amount for the facility H to the payment management device 3 .

In step S9, the payment management device 3 and the payment server 4 perform payment processing. Specifically, the facility payment information registration unit 356 receives the user's face image data 44 at the time of check-out and the facility payment information indicating the payment amount for the facility H transmitted from the facility terminal 1 . The facility payment information registration unit 356 compares the face image data 44 at the time of checkout with the face image data 41 stored as pre-registered user data in the storage unit 34, determines whether or not there is face image data 41 of the registered user. If the corresponding face image data 41 exists, the user can check out at facility H using face authentication. The facility payment information registration unit 356 causes the storage unit 34 to store the payment amount indicated by the facility payment information (here, “30,000” yen) in association with the user identification information. The facility payment information registration unit 356 transmits to the facility terminal 1 a result notification indicating that checkout is possible.

The payment information processing unit 357 sends a payment request to the payment server 4 of the credit card company for payment processing in order to collectively settle the payment amount for the user's purchases at a plurality of stores S and the payment amount for the facility H. Send information. Specifically, the payment information processing unit 357 stores the payment amount indicated by the facility payment information (here, “30,000” yen) and the store payments at the multiple stores S stored in the storage unit 34 in step S6. Generate payment information including information on the amount ("53,000" yen) obtained by adding up the total payment amount indicated by the information (here, "23,000" yen), and use this payment information as authorization information. Send to the settlement server 4 .

For example, the discount processing unit 359 of the payment management device 3 determines a discount amount corresponding to the discount information based on predetermined discount information, and subtracts the predetermined discount amount from the total payment amount of the user. It may be determined as the settlement amount. For example, if the user has visited store A a predetermined number of times or more, a discount of 10% is applied to the settlement amount at store A, and store B is an affiliated store of facility H. A discount process such as applying a 20% discount may be performed.

Regarding the above-mentioned discount, the control unit 26 of the store terminal 2 generates usage count information indicating the number of times the user has used the store S, and transmits the usage count information to the payment management device 3 together with the store payment information. may be configured to Further, when an application installed in the user terminal has usage count information indicating the number of times the store S is used, the control unit 26 of the store terminal 2 acquires the usage count information from the user terminal. Then, the information on the number of times of use may be transmitted to the settlement management device 3 together with the store settlement information.

When the settlement management device 3 receives a settlement notification from the settlement server 4 of the credit card company, the settlement management device 3 transmits a result notification indicating that the settlement is possible to the facility terminal 1 . Upon receiving this notification, the facility terminal 1 displays a predetermined user interface on the display unit 12 to inform the employee and/or user that the payment has been completed.

When the settlement server 4 transmits to the settlement management device 3 a notification indicating that settlement by the user is impossible, and the settlement management device 3 receives the notification, the settlement management device 3 sends a message to the facility terminal 1. Send a notification to the customer that payment is not possible. Upon receiving this notification, the facility terminal 1 causes the display unit 12 to display a predetermined user interface, and informs the employee and/or the user that the face authentication payment cannot be used. In this case, the facility terminal 1 may cause the display unit 12 to display, for example, a user interface prompting the use of another payment method instead of face authentication payment.

(Action and effect of payment management device 3)
As described above, according to the payment management system S100 of the present embodiment, the payment management device 3 includes the user registration unit 354, the store payment information registration unit 355, the facility payment information registration unit 356, and the payment information processing unit 357. A user who has registered the face image data 41 in advance in the settlement management device 3 can check in at the facility H and then check in at a plurality of shops S around the facility H without using cash or a credit card. Payment can be made with authentication.

When checking out of the facility H, the user can settle the settlement amount generated at the facility H and the settlement amount generated at the store S collectively. Since the payment at the store S or the like can be performed by face authentication, the user can enjoy shopping empty-handed. Such an advantage is particularly useful when the user makes a payment at an activity facility where it is difficult for the user to carry a wallet or credit card while participating.

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.

(Modification 1)
In the above embodiment, the pre-registered user data and the user identification information are different, but the pre-registered user data and the user identification information may be the same. Further, in the above embodiment, the user registration unit 354 of the payment management device 3 associates the check-in information with the user identification information and stores it in the storage unit 34, and the store payment information registration unit 355 associates the store payment information with the user identification information. has been stored in the storage unit 34, and the facility payment information registration unit 356 stores the facility payment information in the storage unit 34 in association with the user identification information. However, in the payment management device 3, the user registration unit 354 of the payment management device 3 causes the storage unit 34 to store the check-in information in association with the pre-registered user data, and the store payment information registration unit 355 stores the store payment information in the pre-registered user data. The data may be stored in the storage unit 34 in association with the data, and the facility payment information registration unit 356 may store the facility payment information in the storage unit 34 in association with the pre-registered user data.

(Modification 2)
In the above-described embodiment, an example has been described in which the payment management device 3 performs face authentication of the user based on the face image data of the user at the time of check-in. When the store terminal 2 performs the user's face authentication, the settlement management device 3 uses the user's face image data 43 photographed at the store S so that the store terminal 2 can determine whether the user's settlement is possible. A face authentication information transmission unit may be provided for transmitting the face image data 41 of the user received from the facility terminal 1 to the shop terminal 2 together with the user identification information, which is the user identification information. When the settlement management device 3 is configured to transmit the face image data 41 of the user at the time of check-in to the store terminal 2 in this way, the store terminal 2 transmits the received face image data 41 to the store terminal at the time of settlement at the store S. It may be configured to display on two displays. According to such a configuration, an employee of the store S looks at the user's face image on the display and determines whether or not the customer visiting the store S is registered in the payment management device 3. can be confirmed.

(Modification 3)
In the above embodiment, when the user checks in at facility H such as a hotel and checks out from facility H, the settlement at facility H and the settlement at store S are collectively settled. However, the payment management system of the present invention may be used by users who do not stay at the facility H. For example, if the user is a day trip traveler or a business traveler, a location other than the facility H may be set as the check-in point or check-out point. For example, a user registration terminal is placed at a tourist information center, a train station, a convenience store, or a specific store in the area, and the user can use the user registration terminal to perform face authentication as if checking in to the area. Procedures may be performed to start using payment.

The user registration terminal referred to here corresponds to the facility terminal 1 shown in FIG. Send user authentication data. When the user leaves the area after completing the stay in the area, the user makes a lump sum payment using a payment terminal installed in a tourist information center, a station, a convenience store, or a specific store in the area.

The payment terminal also acquires user authentication data for authenticating the user, and transmits the acquired user authentication data to the payment management apparatus 3, like the user registration terminal. The terminal on the stand may be used both as the registration terminal and the settlement terminal. As described above, if the user registration terminal and the payment terminal are located at arbitrary locations in the area, even users who do not use the facility H such as a hotel, that is, users who take day trips, etc. It is possible to easily make payments for

The user registration terminal and the payment terminal may be located at the same facility or store, or may be located at separate facilities or stores. The number of registration terminals and payment terminals is arbitrary, and a plurality of payment terminals and/or a plurality of payment terminals may be arranged in the same or separate facilities or shops.

(Modification 4)
In the above description, when the check-in information is stored in the storage unit 34 in association with the user identification information, the payment information processing unit 357 stores the facility payment information at the predetermined facility H associated with the user identification information. , and the payment amount indicated by the store payment information are transmitted to the payment server 4 that executes the payment processing. However, there is a case where a predetermined facility H does not incur any costs. As an example, a user who does not stay at facility H visits a certain area, checks in at a user registration terminal placed at a predetermined location in the area, and then purchases products at one or more stores S by face authentication payment. etc., and then check out at the payment terminal to settle the purchase price of the products, etc., it may not be necessary to settle the payment at the facility where the user checked in.

Therefore, when the facility payment information registration unit 356 acquires the third user authentication data from the payment terminal, the facility payment information is not stored in the storage unit 34, and the third user authentication data is acquired. 3 It may be transmitted to the payment terminal that the user authentication based on the user authentication data has been completed. In this case, when the check-in information is stored in the storage unit 34 in association with the user identification information, the information processing unit for payment 357 stores one or more store payments in the storage unit 34 in association with the user identification information. Settlement information indicating the settlement amount indicated by the information is transmitted to the settlement server 4 that executes settlement processing.

With the payment management device 3 configured as described above, even if there is no charge to be paid at the facility where the user checks in, the user can shop at the store after checking in at the user registration terminal and make a payment. Payment can be processed by checking out at the terminal.

In this case, the settlement management device does not need to receive the facility settlement information transmitted by the facility terminal 1 located at the facility H. Therefore, the payment management device in this case can be expressed as follows:
First user authentication data acquired by a user registration terminal of a facility when the user checks in at a predetermined facility (facility H is not limited to accommodation facilities such as hotels, but may be any facility) and indicates that the user has been checked in when the first user authentication data corresponds to the pre-registered user data stored in the storage unit 34 in association with the user identification information for identifying the user. A user registration unit 354 that associates check-in information with the user identification information and stores it in the storage unit 34, and store payment information associated with the second user authentication data from the store terminal 2 installed in the pre-registered store S. and causes the storage unit 34 to store the store payment information in association with the user identification information stored in the storage unit 34 in association with the pre-registered user data corresponding to the second user authentication data. The store payment information registration unit 355 acquires the third user authentication data acquired by the payment terminal, and stores the third user authentication data in the storage unit 34 in association with the user identification information for identifying the user. If it corresponds to the stored pre-registered user data, or if the third user authentication data corresponds to the first user authentication data acquired at the user registration terminal, the storage unit is associated with the user identification information and a payment information processing unit 357 that transmits payment information indicating a payment amount indicated by one or more of the store payment information stored in 34 to an external payment device that executes payment processing.

(Modification 5)
If the third user authentication data corresponds to pre-registered user data stored in the storage unit in association with user identification information for identifying the user, or the third user When the authentication data corresponds to the first user authentication data, information indicating that the user has checked out may be stored in the storage unit 34 of the settlement management device 3 in association with the user identification information.

(Modification 6)
The store terminal 2 may have the following functions. That is, when the user makes a payment by face authentication at the store S, the payment at the store S would be settled collectively when the user checks out of the facility H. If the user mistakenly pays with cash or a credit card at the store S even though the payment by face authentication has been completed, an employee of the store S operates the store terminal 2 and the store is closed. The terminal 2 may perform processing for canceling payment by face authentication. Specifically, the store terminal 2 displays a user interface for accepting cancellation of payment by face authentication on the display unit 22, and accepts an input from the clerk. Next, the store terminal 2 sends data for identifying the user (user identification information or face image data) or an identification number for specifying the payment to be canceled and information instructing cancellation of the payment to the payment management device. Send to 3.

(Modification 7)
In the above embodiment, an example has been described in which the payment management device 3 stores the user's facility payment information and store payment information, and the payment management device 3 transmits authorization information to the payment server 4 at the time of checkout. However, the facility terminal 1 of the facility H may acquire the user's facility payment information and store payment information, and the facility terminal 1 itself may directly transmit the authorization information to the payment server 4 when the user checks out. .

(Modification 8)
If an application for the payment management system S100 is installed in the user terminal owned by the user, for example, a list of facility payment information and store payment information may be confirmed on the application. In addition, for example, if the payment at store A is by face authentication and the payment at store B is by a method other than face authentication, the payment management system is configured so that the user terminal can confirm this fact. The application for the system S100 may display the type of payment method at each store S on the display of the user terminal.

(Modification 9)
In the case where the user terminal is configured to display the type of payment method at each store, the user terminal may be configured as follows. That is, for example, the user made a payment in cash at the store S, and after leaving the store S, when the user checked the user terminal, the payment was made in cash, but the "payment by face recognition" was mistakenly performed. It is also assumed that the user will notice that the In this case, the user terminal may be able to transmit a request to cancel the target face authentication payment to the shop terminal 2 . An employee of the store S who receives this request at the store terminal 2 operates the store terminal 2 to cancel the payment by face authentication. This makes it possible to avoid double billing to the user.

<Second embodiment>
FIG. 7 is a diagram showing the settlement management system S101 of the second embodiment. In the payment management system S101, a user who does not stay at a facility H such as a hotel makes purchases at a plurality of stores S by face authentication payment, and then the user makes payments for shopping at the plurality of stores S collectively at the payment terminal 5. It is a system that can

The settlement management system S101 includes a user registration terminal 1A, a store terminal 2, a settlement management device 3, and a settlement terminal 5. Since the store terminal 2 and the settlement management device 3 are basically the same as those described in the first embodiment, overlapping descriptions will be omitted.

The user registration terminal 1A has the same configuration as the facility terminal 1 shown in FIG. 2, and acquires first user authentication data of the user. The user registration terminal 1A does not necessarily have to be placed in a facility H such as a hotel. The place where the user registration terminal 1A is installed is arbitrary, and may be, for example, a station, a bus terminal, a store such as a convenience store, a commercial facility, or a bank. The user registration terminal 1A may be installed inside a vehicle such as a bus, or inside a train, airplane, or the like.

In this example, the payment information processing unit 357 of the payment management apparatus 3, for example, in response to the payment terminal 5 acquiring the third user authentication data of the user, pre-processes the data corresponding to the third user authentication data. Payment amount information including the store payment amount indicated by the store payment information stored in the storage unit 34 in association with the user identification information stored in association with the registered user data is transmitted to the outside. The payment information processing unit 357 specifically transmits information on the payment amount to the payment terminal 5 .

The settlement terminal 5 is a terminal capable of settlement by at least one of cash settlement, credit card settlement, and code settlement using a smartphone or the like. The payment terminal 5 may also be installed in a station, bus terminal, store such as a convenience store, commercial facility, bank, or the like. The settlement terminal 5 may also be installed inside a vehicle such as a bus, or inside a train, an airplane, or the like. An automatic teller machine capable of settlement in cash will be exemplified below.

FIG. 8 is a block diagram showing the configuration of the settlement terminal 5. As shown in FIG. The payment terminal 5 includes an imaging unit 51 , a display unit 52 , a cash deposit mechanism 53 and a control unit 54 . The imaging unit 51 is a camera that captures an image of the user's face. The display unit 52 is a display that displays various information.

The cash deposit mechanism 53 has a cash receiving unit (not shown) into which the user throws in cash, and counts the cash thrown into the cash receiving unit. The cash deposit mechanism 53 also has a function of returning a predetermined amount of cash to the user as needed.

The control unit 54 of the payment terminal 5 has a face authentication processing unit 541 and a payment processing unit 542 . The face authentication processing unit 541 acquires the user's face image data captured by the imaging unit 51 . The face authentication processing unit 541 transmits the acquired face image data to the settlement management device 3 as the user's third authentication data. The face authentication processing unit 541 receives the result notification of the face authentication executed by the payment management device 3 .

The payment processing unit 542 acquires store payment amount information (notification) indicating the payment amount for shopping performed by the user at one or a plurality of stores S, which is transmitted by the payment information processing unit 357 of the payment management apparatus 3. do. For example, when the user purchases products for "15,000 yen" at store A and purchases products for "8,000 yen" at store B, the payment processing unit 542 is a payment management device. From 3, store payment information indicating "23,000 yen" is acquired. Specifically, the payment processing unit 542 acquires the store payment amount information in association with the user identification information stored in the payment management device 3 . After obtaining the information on the payment amount to be paid by the user, the payment processing unit 542 causes the display unit 52 to display the payment amount. As a specific example, the display unit displays "23,000 yen" as the amount to be paid by the user.

The cash depository mechanism 53 counts the cash deposited by the user into the cash depository mechanism 53 and determines whether the deposited cash is a predetermined settlement amount. When the cash depository mechanism 53 determines that the amount of cash deposited is the predetermined settlement amount, the cash depository mechanism 53 completes the cash settlement. Then, the settlement processing unit 542 causes the display unit 52 to display that the settlement has been completed. When the deposited cash exceeds the predetermined settlement amount, the cash deposit mechanism 53 returns the difference amount of cash to the user.

(Operation sequence of payment management system S101)
FIG. 9 is a flow chart showing the flow of cash settlement in the second embodiment. In the following explanation, it is assumed that the user's pre-registered user data has already been registered in the settlement management device 3 . The pre-registered user data can be registered in the same procedure as in the first embodiment, and the explanation is omitted. In addition, it is illustrated that the user uses a terminal installed in a convenience store that serves both as a user registration terminal and as a payment terminal.

In step S<b>11 , the user operates the user registration terminal 1</b>A installed in a convenience store, for example, and transmits the user's first user authentication data to the settlement management device 3 . The user registration terminal 1A transmits, for example, the user's face image data generated by photographing the user's face to the payment management apparatus 3 as the first user authentication data in association with the user identification information of the user. Instead of the user's face image data, any other authentication data that can identify the user may be transmitted.

In step S12, the user registration unit 354 (see FIG. 4) of the settlement management device 3 receives the first user authentication data and user identification information transmitted from the user registration terminal 1A. The user registration unit 354 authenticates the user when the received user identification information corresponds to the pre-registered user data registered in the settlement management device 3 in advance, and uses the received first user authentication data as the user identification information. They are stored in the storage unit 34 in association with each other.

The user registration unit 354 may cause the storage unit 34 to store information indicating that the user has been correctly authenticated as "registered information" of the user, separately from the first user authentication data.

In step S13, as in the first embodiment, when the user purchases a product or the like at the store S, the store terminal 2 associates the store settlement amount information indicating the settlement amount at the store S with the user identification information for settlement management. Send to device 3. The shop terminal 2 transmits face image data generated by photographing the user to the settlement management device 3 as second user authentication data.

In step S14, the settlement propriety determination unit 358 acquires the second user authentication data transmitted by the store terminal 2, and the first user authentication data of the user corresponding to the acquired second user authentication data exists. If so, it is determined that the user is capable of face authentication settlement. The settlement propriety determination unit 358 transmits to the store terminal 2 a result notification indicating that face authentication settlement is possible. The store payment information registration unit 355 stores the store payment amount information of the store A received from the store terminal 2 in the storage unit 34 in association with the user identification information of the user.

In step S15, the shop terminal 2 completes the shop payment process on the condition that the result notification indicating that the face authentication payment is possible transmitted from the payment management device 3 is received. For example, the face authentication payment is completed. The display unit 22 is caused to display that the operation has been completed.

Processes similar to steps S13 to S15 are also performed for "store B". As a result, the storage unit 34 of the payment management device 3 stores the information of the payment amount of the plurality of stores S and the information of the store payment total amount, as illustrated in FIG. In addition, in the second embodiment, since the user does not purchase a product or the like at the facility H, there is no "facility payment information".

In step S16, the user operates the settlement terminal 5 and performs procedures for settlement of accounts for shopping at a plurality of shops S. FIG. When the user operates the payment terminal 5, the face authentication processing unit 541 of the payment terminal 5 associates the user's face image data captured by the imaging unit 51 with the user identification information as third user authentication data. It is transmitted to the settlement management device 3. The payment processing unit 542 also transmits to the payment management device 3 a request notification for requesting information on the store payment amount. Note that the settlement terminal 5 does not generate and transmit the face image data of the user, but acquires arbitrary authentication data input by the user that can identify the user, and sends the authentication data to the settlement management device. 3 may be sent.

In step S<b>17 , the payment information processing section 357 authenticates the user based on the third user authentication data transmitted from the payment terminal 5 . The payment information processing unit 357 authenticates the user by, for example, comparing the user's third user authentication data with the pre-registered user data. The payment information processing unit 357 transmits information on the sum of the shop payment amounts of the plurality of shops S to the payment terminal 5 in association with the user identification information on condition that the user is authenticated.

In step S<b>18 , the payment processing unit 542 of the payment terminal 5 acquires information on the sum of the store payment amounts of the multiple stores S transmitted from the payment management device 3 . The settlement processing unit 542 causes the display unit 52 to display the total amount of the store settlement amount, and prompts the user to deposit cash. When the user deposits cash into the cash deposit mechanism 53, the cash deposit mechanism 53 counts the cash deposited by the user. The cash deposit mechanism 53 completes settlement by cash when a predetermined amount of cash is received. When the amount of cash exceeding the predetermined amount is deposited, the cash deposit mechanism 53 returns the amount of cash to be returned to the user and completes the cash settlement.

According to the payment management system S101 of the second embodiment as described above, even if a user who does not stay at the facility H does shopping at a plurality of stores S, the user can pay cash at each store S. You can shop without paying with a credit card. The user can pay the settlement amount at each store S collectively at the settlement terminals 5 arranged at stores such as stations, bus terminals, convenience stores, and the like.

In the settlement management system S101, if the store terminal 2 is installed at the store S, settlement by cash or credit card at the store S becomes unnecessary. Therefore, it is possible to easily implement cashless payment at the local store S.

(Modification)
The payment management system S100 (see FIG. 1) and the payment management system S101 (see FIG. 7) have been described above, but it is also assumed that the user himself/herself is the operator of the store S in the payment management system. In this case, a situation may arise in which a first user who is a business operator and a second user who is another business operator purchase products or the like at the store S of each other. Thus, the first user's shop payment information includes the second user's payment amount at the store S, and the second user's shop payment information includes the first user's payment amount at the store S. In this case, the payment information processing unit 357 of the payment management system may offset the payment amounts of each store.

As described above, the present invention has been described using the embodiments, but for example, the specific embodiments of device distribution and integration are not limited to the above embodiments. It can be configured by distributing and integrating functionally or physically. 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 facility terminal 1A user registration terminal 2 shop terminal 3 payment management device 4 payment server 5 payment terminal 11 input unit 12 display unit 13 communication unit 14 imaging unit 15 storage unit 16 control unit 21 input unit 22 display unit 23 communication unit 24 imaging Unit 25 Storage unit 26 Control unit 31 Input unit 32 Display unit 33 Communication unit 34 Storage unit 35 Control units 41 to 44 Face image data 161 Operation control unit 162 Display control unit 163 Face authentication processing unit 164 Payment information processing unit 261 Operation control Unit 262 Display control unit 263 Face authentication processing unit 264 Payment information processing unit 351 Operation control unit 352 Display control unit 353 Advance information registration unit 354 User registration unit 355 Store payment information registration unit 356 Facility payment information registration unit 357 Information processing for payment Unit 358 Settlement availability determination unit 359 Discount processing unit 361 Operation control unit 362 Display control unit 541 Face authentication processing unit 542 Settlement processing unit H Facility S Store S100, S101 Settlement management system

Claims (15)

A first user authentication data of a user acquired by a user registration terminal is acquired, and the first user authentication data is stored in pre-registered user data stored in a storage unit in association with user identification information for identifying the user. a user registration unit that stores registered information indicating that the user has been authenticated in the storage unit in association with the user identification information, if applicable;
Store payment information is acquired in association with the second user authentication data from a store terminal installed in a pre-registered store, and stored in association with the pre-registered user data corresponding to the second user authentication data. a store payment information registration unit that stores the store payment information in the storage unit in association with the user identification information stored in the unit;
the user identification information stored in the storage unit in association with the pre-registered user data corresponding to the third user authentication data in response to acquisition of the third user authentication data at a predetermined payment terminal; a payment information processing unit that transmits payment amount information including the store payment amount indicated by the store payment information stored in the storage unit in association with the payment terminal or an external payment device that executes payment processing;
A payment management device. The payment information processing unit
Notifying the payment amount to the payment terminal capable of paying in cash;
The settlement management device according to claim 1. Facility payment information indicating the user's payment amount at a predetermined facility where the user stays is acquired in association with third user authentication data, and is associated with the pre-registered user data corresponding to the third user authentication data. further comprising a facility payment information registration unit that stores the facility payment information in the storage unit in association with the user identification information stored in the storage unit;
The payment information processing unit
When the registered information is stored in the storage unit in association with the user identification information,
a payment amount indicated by the facility payment information associated with the user identification information;
a payment amount indicated by the store payment information;
to the payment terminal or external payment device,
The settlement management device according to claim 1 or 2. The user registration unit
acquiring biometric data of the user generated by the user registration terminal installed in the predetermined facility and photographing the user's face as the first user authentication data;
The store payment information registration unit
acquiring biometric data of the user photographed at the store when the user uses the store as the second user authentication data;
The facility payment information registration unit
Acquiring biometric data of the user generated by the payment terminal installed in the predetermined facility and capturing the face of the user as the third user authentication data;
The settlement management device according to claim 3. The store payment information registration unit
acquiring biometric data of the user photographed at the store when the user uses the store as the second user authentication data;
When the first user authentication data or the registered information associated with the user identification information corresponding to the second user authentication data is stored in the storage unit, the user can make a payment at the store. further comprising a payment acceptance/rejection determination unit that transmits to the store terminal a payment permission notification indicating that
The settlement management device according to claim 3 or 4. The user registration unit acquires biometric data of the user generated by the user registration terminal that captures the face of the user as the first user authentication data,
The biometric data, which is the first user authentication data, is configured so that the store terminal can determine whether or not the user has made a payment by using the second user authentication data, which is the biometric data of the user photographed at the store. further comprising a face authentication information transmission unit that transmits data to the store terminal in association with the user identification information;
The settlement management device according to any one of claims 1 to 5. Further comprising a discount processing unit that determines a discount amount corresponding to the discount information based on predetermined discount information, and determines an amount obtained by subtracting the discount amount from the settlement amount as the final settlement amount,
The settlement management device according to any one of claims 1 to 6. The predetermined discount information is
a discount rate associated with the number of times the user uses a predetermined facility or a facility affiliated with the predetermined facility;
a discount rate associated with the number of times the user uses the store;
a discount rate associated with the number of times the user visits an area containing the facility; and
a discount rate preset for each store;
including at least one of
The settlement management device according to claim 7. The payment information processing unit
transmitting payment information to the external payment device when receiving information indicating that the user has checked out from the facility;
The settlement management device according to any one of claims 3 to 5. further comprising a pre-registered user data for identifying the user transmitted in advance from a user terminal owned by the user, and storing the pre-registered user data in the storage unit in association with the user identification information;
The settlement management device according to any one of claims 1 to 9. a settlement management device according to any one of claims 1 to 10;
a user registration terminal that is located at a predetermined facility and that acquires the first user authentication data when a user checks in;
A shop terminal installed in a plurality of pre-registered shops,
payment management system. The store terminal includes an imaging unit for capturing an image of the user and a control unit,
The control unit
transmitting image data of the user captured by the imaging unit at the store when the user uses the store as second user authentication data to the payment management device;
perform payment processing at the store when receiving a payment permission notification indicating that the user can make a payment at the store based on the image data of the user, which is transmitted from the payment management device;
The settlement management system according to claim 11. The control unit of the store terminal generates or acquires usage count information indicating the number of times the user has used the store, and transmits the usage count information to the payment management device together with the store payment information.
The settlement management system according to claim 12. The store terminal has a first operation mode in which the imaging unit of the store terminal captures a face image of the user, and a second operation mode in which face image data captured by the imaging unit of the user terminal owned by the user is acquired. and having
The settlement management system according to claim 12 or 13. A first user authentication data of a user acquired by a user registration terminal is acquired, and the first user authentication data is stored in pre-registered user data stored in a storage unit in association with user identification information for identifying the user. if so, a step of storing registered information indicating that the user has been authenticated in the storage unit in association with the user identification information;
Store payment information is acquired in association with the second user authentication data from a store terminal installed in a pre-registered store, and stored in association with the pre-registered user data corresponding to the second user authentication data. storing the store payment information in the storage unit in association with the user identification information stored in the storage unit;
the user identification information stored in the storage unit in association with the pre-registered user data corresponding to the third user authentication data in response to acquisition of the third user authentication data at a predetermined payment terminal; sending payment amount information including the store payment amount indicated by the store payment information stored in the storage unit to the payment terminal or an external payment device that executes payment processing, in association with
and wherein each of the above steps is executed by a computer.

Images