JP2023067719A - Settlement processing device and settlement processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement processing device capable of executing proper return processing even when a customer purchasing items using a plurality of types of coupons returns an item after the purchase.

SOLUTION: A settlement processing device includes a settlement request reception part receiving a settlement request of a transaction that a user purchases a plurality of items using a first coupon and a second coupon, a settlement part settling with a balance amount obtained by deducting a first discount amount and a second discount amount from a total amount of the items, a return request reception part receiving a return request of a first return item from the user, and a return processing part executing processing relating to the return based on the total amount of the items excluding the first return item from the purchased items.

SELECTED DRAWING: Figure 2

COPYRIGHT: (C)2023,JPO&INPIT

Description

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

2. Description of the Related Art There is known an information processing apparatus that performs return processing based on an operator's operation when a customer wishes to return a purchased product. For example, in Patent Document 1, when a product corresponding to the coupon is returned for a transaction in which the purchase price is discounted by applying the coupon, the total amount including the discount amount before the return is calculated as follows: It is disclosed to refund the amount after deducting the total amount of all items other than the item to be returned.

Japanese Patent No. 5496958

The technique described in Patent Literature 1 does not disclose a method of calculating the refund amount when the customer returns part of the product after purchasing the product using multiple types of coupons. In particular, there is no disclosure of a case where multiple types of coupons include coupons whose discount amount varies depending on the total price of the product.

Therefore, the present invention has been made in view of these points. A customer purchases a product using a plurality of types of coupons, including a coupon whose discount amount varies depending on the total price of the product, and returns the product after purchase. To provide an appropriate product return processing method even if the

In the first aspect of the present invention, a settlement request receiving unit that receives a settlement request for one transaction in which a user purchases a plurality of products using a first coupon and a second coupon of a type different from the first coupon. and the billing process for the amount after deducting the first discount amount corresponding to the first coupon and the second discount amount corresponding to the second coupon from the total amount of the plurality of products purchased by the user. a return request receiving unit that receives a return request from the user for at least a first return product of a plurality of products purchased by the user in the transaction; and the return request receiving unit: When the return request is received, the total price of the products purchased by the user excluding the first returned product is set as the total product price, and processing related to the return is performed based on the total product price. wherein the second discount amount of the second coupon is an amount obtained by multiplying the total product price by a predetermined discount rate, and the return processing unit multiplies the total product price by a predetermined discount rate. a refund processing unit that specifies the second discount amount by using the second discount amount, and refunds the amount after deduction when the first amount obtained by subtracting the second discount amount from the total product amount is less than or equal to the first discount amount; a first coupon return unit that returns the first coupon corresponding to the amount obtained by subtracting the first amount from the one discount amount, and the refund process when the first amount exceeds the first discount amount. A payment processing apparatus is provided in which a part refunds an amount obtained by subtracting the difference between the first amount and the first discount amount from the amount after deduction, and the first coupon return part does not process the return of the first coupon. do.

The payment processing device associates transaction identification information for identifying the transaction by the user, the total amount of the plurality of products purchased by the user, the first discount amount, and the second discount amount. A storage unit for storing transaction history information is further provided, and the return processing unit reads out the transaction history information stored in the storage unit, calculates the total product price, and calculates the total product price based on the calculated product total price. You may perform processing related to returned goods.

When the return request receiving unit receives the return request, the return processing unit associates the transaction identification information for identifying the transaction corresponding to the return request with the returned refund amount, and generates the return history information. You may make it memorize|store in a memory|storage part.

When the first coupon return unit returns the first coupon to the user, the return processing unit may add information on the amount corresponding to the returned first coupon to the corresponding return history information.

After the returned-goods processing unit performs processing related to returned goods for the user, the returned-goods request receiving unit issues the returned-goods request for a second returned product among the products that the user has purchased in the transaction and has not yet returned. Further, on the condition that the return is accepted, the returned goods processing unit sets the accumulated amount of refunds in the past as a first accumulated amount, sets the accumulated amount corresponding to the first coupons returned in the past as a second accumulated amount, and sets the returned goods as a second accumulated amount. The processing unit performs processing relating to the return of the product, excluding the second returned product, with the total price of the product purchased by the user before being returned as the total product price, and the refund processing unit calculates the amount to be refunded. In this case, the amount obtained by subtracting the first cumulative amount from the calculated amount within the range of the amount after deduction is refunded, and the first coupon return unit calculates the amount to be returned as the first coupon, The first coupon corresponding to the amount obtained by subtracting the second accumulated amount from the calculated amount within the range of the first discount amount may be returned.

When the returned goods processing unit executes the process related to the returned goods for the user, the second discount amount discounted by the second coupon is reduced compared to before executing the process related to the returned goods. and a second coupon return unit that returns the second coupon corresponding to the reduced amount to the user.

The returned-goods processing unit executes the process related to the returned goods for the user, so that the second discount amount discounted by the second coupon is reduced compared to before executing the process related to the returned goods, A second coupon return unit for compensating for the additional charge by returning the second coupon corresponding to the additional charge to the user when a additional charge to be collected from the user for a portion of the price of the product purchased by the user occurs. may further have

The second coupon returning unit may return the second coupon to the user when the return request receiving unit receives the return request within a period during which the second coupon can be used.

When the second coupon return unit returns the second coupon to the user, the return processing unit may notify the issuer of the second coupon that the second coupon has been returned.

Even if the second discount amount discounted by the second coupon is reduced compared to before executing the return processing, the return processing unit executes the processing related to the return for the user. , the second coupon may not be returned to the user.

The first coupon may be a coupon that the user can use by paying an amount smaller than the first discount amount.

The second coupon may be a coupon that the user can obtain and use without directly paying for the coupon.

In a second aspect of the present invention, a computer executes a payment request for one transaction in which a user purchases a plurality of products using a first coupon and a second coupon of a type different from the first coupon. and billing the amount after deducting the first discount amount corresponding to the first coupon and the second discount amount corresponding to the second coupon from the total amount of the plurality of products purchased by the user. a step of processing and making a payment; a step of receiving from the user a return request for at least a first return product of a plurality of products purchased by the user in the transaction; setting the total price of the plurality of products purchased by the user excluding the first returned product as the total product price, and performing processing related to the return based on the total product price; The second discount amount is an amount obtained by multiplying the total product price by a predetermined discount rate, and in the step of performing processing related to the return of goods, the second discount amount is obtained by multiplying the total product price by a predetermined discount rate specifying an amount; if a first amount obtained by subtracting the second discount amount from the total amount of goods is less than or equal to the first discount amount, refunding the amount after deduction; and returning the first coupon corresponding to the amount after deducting the first amount, and if the first amount exceeds the first discount amount, the amount after deduction is reduced from the first coupon in the refunding step. To provide a settlement processing method in which the amount obtained by subtracting the difference between the 1 amount and the first discount amount is refunded, and the return processing of the first coupon is not performed in the return step.

According to the present invention, even if a customer purchases an item using a plurality of types of coupons including a coupon whose discount amount varies depending on the total amount of the item and returns the item after purchase, an appropriate item return processing method is provided. There is an effect that it can be provided.

It is a figure which shows the outline|summary of the payment processing apparatus which concerns on this embodiment. 1 shows a configuration example of a payment processing apparatus 10 according to this embodiment. An example of transaction history information stored in the storage unit 12 according to the present embodiment is shown. An example of returned-goods history information stored in the storage unit 12 according to the present embodiment is shown. An example of the operation flow of the payment processing apparatus 10 according to the present embodiment is shown. An example of the operation flow of the payment processing apparatus 10 according to the present embodiment is shown. A first example of the relationship between the amount of money processed by the payment processing apparatus 10 according to the present embodiment and the amount of money to be refunded is shown. A second example of the relationship between the amount of money processed by the payment processing apparatus 10 according to the present embodiment and the amount of money to be refunded is shown. A first example of changes in various amounts when the payment processing apparatus 10 according to the present embodiment has processed returned goods a plurality of times is shown. A modification of the operation flow of the payment processing apparatus 10 according to the present embodiment is shown. A second example of changes in various amounts when the payment processing apparatus 10 according to the present embodiment has processed returned goods a plurality of times is shown.

[Overview of Payment Processing Device 10]
FIG. 1 is a diagram showing an outline of a payment processing apparatus 10 according to this embodiment. The payment processing apparatus 10 is a server that performs payment processing and return processing related to product return after payment. The payment processing device 10 is communicably connected to the store terminal 20 via a communication network such as an Internet line or a mobile phone network. The store terminal 20 is, for example, a POS terminal, but is not limited to this, and may be a mobile terminal such as a tablet or a smart phone. Also, the store terminal 20 may be a server for managing an EC site. In the following description, products and services are collectively referred to as products.

In the present embodiment, the store terminal 20 transmits a payment request for product payment ((1) in FIG. 1). The payment processing apparatus 10 accepts the payment request by receiving the payment request. It is assumed that the payment request includes coupon information indicating a coupon to which a certain amount of discount is applied, or information used for applying the coupon. Also, the payment request may include coupon information indicating a plurality of different types of coupons.

The payment processing device 10 determines whether or not the coupon is applicable. Then, when determining that the coupon can be applied, the payment processing device 10 applies a discount based on the coupon, and charges and settles the amount after deducting the discount amount corresponding to the discount from the total amount (Fig. 1 (2)).

Thereafter, the payment processing device 10 receives a return request for at least some of the multiple products purchased by the user in the transaction from the store terminal 20 ((3) in FIG. 1). When receiving a return request, the payment processing apparatus 10 performs return processing based on the product price of the returned product ((4) in FIG. 1).

For example, when the product price of the returned product is less than the amount after deduction, the payment processing device 10 refunds the product price of the returned product and processes the returned product. In addition, when the product amount of the returned product exceeds the amount after deduction, the payment processing apparatus 10 performs return processing to refund the amount after deduction to the user, and compares the product amount of the returned product with the refund amount (amount after deduction). Return processing may be performed to return the coupon corresponding to the difference.

However, the user who purchased the product may purchase the product using different types of coupons. In particular, there are cases where a user purchases a product using multiple types of coupons, including a coupon whose discount amount varies depending on the total price of the product. Also, the user may request multiple returns. In this case, the returned goods processing becomes complicated, and it is difficult for the store clerk to appropriately process the returned goods while grasping the past transactions.

Therefore, the payment processing apparatus 10 according to the present embodiment reduces the burden on the store clerk when returning merchandise even when the user purchases merchandise using multiple types of coupons. The payment processing apparatus 10 having such a configuration will be described below.

[Configuration example of payment processing device 10]
FIG. 2 shows a configuration example of the payment processing apparatus 10 according to this embodiment. The payment processing apparatus 10 is, for example, a computer such as a server. In this embodiment, an example in which a user purchases a plurality of products using different types of first and second coupons will be described.

The first coupon is a coupon acquired by the user by paying at least part of the acquisition cost. The first coupon is, for example, a coupon that allows a predetermined amount of money to be deducted from the price of the product, and that the product can be purchased with the amount after the deduction. Here, let the discount amount by a 1st coupon be a 1st discount amount.

The first discount amount is an amount larger than the acquisition cost paid by the user to acquire the coupon. In other words, the first coupon is a coupon that can be used by the user by paying an amount smaller than the first discount amount. The first coupon may be a coupon or the like that can be purchased through the company's welfare program or the like. In this case, the company at work bears the difference between the first discount amount that can be deducted from the first coupon and the acquisition cost paid by the user. In this embodiment, an example will be described in which the first coupon is a coupon to which a discount of 200 yen is applied as the first discount amount.

The second coupon is a coupon that the user can acquire and use without directly paying for the coupon. A 2nd coupon is a coupon which a user can acquire and use for free, for example. The second coupon is, for example, a coupon or the like distributed for sales promotion by a settlement company that manages a store or a settlement processing device. It is not a coupon, but a coupon paid by a store or a payment company. Also, the second coupon may be a coupon, points, or the like given when the user purchases a product. The second coupon is a coupon that allows a predetermined amount of money to be deducted from the price of the product.

Here, let the discount amount by a 2nd coupon be a 2nd discount amount. The second coupon is a coupon whose second discount amount changes according to the total price of the products purchased by the user. For example, the second coupon is a coupon to which a second discount amount is applied when the total amount of products purchased by the user is equal to or greater than a predetermined discount amount. Alternatively, the second coupon may be a coupon that discounts the total amount of merchandise as the second discount amount by multiplying the total amount of merchandise by a predetermined discount rate. In this embodiment, an example will be described in which the second coupon is a coupon that applies a discount of 150 yen as the second discount amount when the total amount of products purchased by the user is 400 yen or more.

At least one of the first coupon and the second coupon may be preset with at least one usage condition out of a store where it can be used, a period where it can be used, and a total amount of products that can be used. The payment processing device 10 executes payment processing when a user purchases a product using such first and second coupons, and returns processing after payment. The payment processing device 10 includes a communication unit 11 , a storage unit 12 and a control unit 13 .

The communication unit 11 is connected to the store terminal 20 via a communication network. The communication unit 11 is an interface for connecting to a communication network such as an Internet line or a mobile phone network. The communication unit 11 may be connected to communicate with a user terminal owned by the user, or alternatively, may be connectable to the user terminal. The communication unit 11 may be capable of communicating with an external server or database.

The storage unit 12 is a storage medium including ROM (Read Only Memory), RAM (Random Access Memory), and the like. The storage unit 12 may also include a large-capacity storage device such as a HDD (Hard Disk Drive) and/or an SSD (Solid State Drive). For example, when a computer functions as the payment processing apparatus 10, it may store information such as an OS (Operating System) and programs that make the computer function. Moreover, the storage unit 12 may store various information including a database that is referred to when the program is executed.

The storage unit 12 may also store intermediate data generated (or used) by the payment processing apparatus 10 in the process of operation, calculation results, thresholds, reference values, parameters, and the like. Further, the storage unit 12 may supply the stored data to the request source in response to requests from each unit in the payment processing apparatus 10 .

The storage unit 12 stores transaction history information indicating the transaction history of the user. FIG. 3 shows an example of transaction history information stored by the storage unit 12 according to this embodiment. The transaction history information includes, for example, transaction identification information (transaction ID) for identifying a transaction by the user, transaction date and time indicating the date and time of the transaction, and the total number of products purchased by the user in the transaction. Amount, coupon identification information (first coupon ID and second coupon ID) for identifying the coupon applied to the transaction, discount amount by the coupon (first discount amount and second discount amount), and total This information associates the amount after deduction, which is the amount obtained by subtracting the discount amount from the amount.

The storage unit 12 also stores returned goods history information indicating a history of returned goods. FIG. 4 shows an example of returned-goods history information stored in the storage unit 12 according to this embodiment. The return history information includes, for example, transaction identification information (transaction ID) for identifying the transaction for which the return request was made, return date and time indicating the date and time when the return request was made, and the product corresponding to the return request. This is information that associates the return amount, which is the amount, the refund amount refunded in response to the return request, and the coupon refund amount corresponding to the coupon returned along with the return processing. Here, the amount corresponding to the returned first coupon is referred to as the first coupon refund amount, and the refund amount corresponding to the returned second coupon is referred to as the second coupon refund amount.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 has a payment request reception unit 131 , a payment unit 132 , a return request reception unit 133 , a return processing unit 134 and a notification unit 135 . In other words, the CPU executes the program stored in the storage unit 12 to control the control unit 13 having the payment request reception unit 131, the payment unit 132, the returned goods request reception unit 133, the returned goods processing unit 134, and the notification unit 135. function as

The payment request accepting unit 131 accepts a payment request for one transaction in which a user purchases a plurality of products using a first coupon and a second coupon of a type different from the first coupon. For example, if the first coupon and/or the second coupon have conditions of use, the payment request receiving unit 131 receives a payment request for a transaction to which the coupon is applied in response to the establishment of the conditions of use. Here, if the conditions for using the first coupon and/or the second coupon are not met, the payment request accepting unit 131 may accept the payment request for the transaction without applying the unsatisfied coupon. Note that it is desirable that the usage conditions of the coupon are stored in the storage unit 12 .

The settlement request receiving unit 131 receives, for example, a settlement request for the user to purchase a plurality of products with a total price of 500 yen using the first coupon and the second coupon. Here, for example, since the condition that the total amount of the products is 400 yen or more is satisfied as the application condition of the second coupon, the payment request receiving unit 131 makes a payment request with a discount of 150 yen applied as the second discount amount. accept.

The payment request accepting unit 131 accepts a payment request including information on a payment code for a user who purchases a product to make a payment at a store, and which includes information associated with the first coupon and the second coupon. good. Here, the settlement code is a code read by the store terminal 20 used at the store where the product is sold or a user terminal such as a mobile terminal owned by the user. The payment request preferably includes the sales price of the product and the total sales price of all products.

The settlement unit 132 performs settlement when the settlement request receiving unit 131 receives the settlement request. The settlement unit 132 performs billing processing for the amount after subtracting the first discount amount corresponding to the first coupon and the second discount amount corresponding to the second coupon from the total amount of the multiple products purchased by the user. and pay. For example, the settlement unit 132 settles a transaction in which a user purchases a plurality of products with a total amount of 500 yen using a first coupon with a first discount amount of 200 yen and a second coupon with a second discount amount of 150 yen. In response to the request, the billing process for the amount after deduction of 150 yen will be processed.

The settlement unit 132 may, for example, perform a process of billing the user's bank account or the like for the total amount after deduction stored during a predetermined period. If there is a separate billing server or the like that executes the billing process, the settlement unit 132 may control the communication unit 11 to transmit billing amount information to the billing server or the like.

In addition, the settlement unit 132 may execute billing processing corresponding to these payment methods for businesses that provide settlement services such as credit cards and electronic money. The settlement unit 132, for example, controls the communication unit 11 to transmit the information of the amount after deduction to the company server of the company operating the settlement service. Alternatively, the settlement unit 132 may control the communication unit 11 to send a bill for the amount after deduction, notification of billing, etc. to the user terminal.

The settlement unit 132 may notify the store terminal 20 of the transaction ID, the total amount, the discount amount, and the discounted amount after executing the settlement process. Thereby, the store terminal 20 can issue a receipt including the transaction ID. A user can use such a receipt when requesting a return. When the payment request receiving unit 131 receives a payment request from a user terminal, the payment unit 132 may transmit information such as a transaction ID to the user terminal to notify that the payment has been processed. The user can take advantage of such notification when requesting a return.

The return request accepting unit 133 accepts a return request for at least some of the products purchased by the user in the transaction settled by the settlement unit 132 . Here, the product requested to be returned by the user is the first returned product, and the product price of the first returned product is the first returned product price. The return request receiving unit 133 receives, for example, from the store terminal 20 or the user terminal a return request including a transaction ID, information about the first returned product corresponding to the transaction corresponding to the transaction ID, and the first returned money amount. to accept the return request. Here, it is desirable that the return-of-goods request receiving unit 133 can receive a plurality of return-of-goods requests corresponding to the transaction.

When the return request receiving unit 133 receives the return request, the return processing unit 134 sets the total price of the products purchased by the user excluding the first returned product as the total product price, and calculates the total product price based on the total product price. Perform processing related to returned goods. The return processing unit 134 has a history management unit 141 , a determination unit 142 , a refund processing unit 143 , a first coupon return unit 144 and a second coupon return unit 145 .

The history management unit 141 reads the transaction history information stored in the storage unit 12, and refers to the transaction information corresponding to the transaction ID of the return request. Also, the history management unit 141 confirms whether or not returned-goods history information corresponding to the transaction ID is stored in the storage unit 12 . For example, if the return history information corresponding to the transaction ID is not stored in the storage unit 12, the return processing unit 134 can determine that the transaction corresponding to the transaction ID has not been processed for return in the past.

The determination unit 142 determines whether or not the discount of the second discount amount by the second coupon is applied based on the total product price of the multiple products purchased by the user excluding the first returned product. For example, the determination unit 142 determines whether or not the total product price is equal to or greater than a predetermined discount application price. Then, the determination unit 142 performs further classification for executing the refund processing of the returned goods processing unit 134, etc., on the condition of whether or not the discount of the second discount amount by the second coupon is applied.

The refund processing unit 143 , the first coupon return unit 144 , and the second coupon return unit 145 execute refund processing and coupon return processing according to the determination operation of the determination unit 142 . Specific operations of the determination unit 142, the refund processing unit 143, the first coupon return unit 144, and the second coupon return unit 145 will be described later.

When the return processing by the return processing unit 134 is completed, the notification unit 135 notifies the store terminal 20 of information indicating that the return processing has been completed. The notification unit 135 may notify the information indicating the reason for not refunding at least part of the product price when the return processing unit 134 does not refund at least part of the product price.

For example, if the total amount of the returned merchandise is reduced and the second discount amount by the second coupon is no longer applied, the notification unit 135 provides information indicating that part of the first returned merchandise amount is no longer refunded. Notice. As a result, the store clerk using the store terminal 20 can promptly inform the user of the reason for not refunding a part of the price of the product, thereby reducing troubles when returning the product. Instead of this, or in addition to this, the notification unit 135 may notify the user terminal of information indicating that the return processing has been completed. In addition, the notification unit 135 may notify information such as the refund amount and the refund amount returned as a coupon.

Note that the notification unit 135 notifies the information indicating the reason for non-refund when the return processing by the return processing unit 134 is completed and the return processing unit 134 does not refund at least part of the amount of the product. , but not limited to this. The notification unit 135 may notify the user of the information regarding the refund at a timing before the return processing unit 134 executes the return processing.

For example, the return-of-goods request receiving unit 133 receives a provisional return-of-goods request from the user terminal. The returned-goods processing unit 134 calculates the refund amount and the amount to be returned as the coupon in response to the return-of-goods request receiving unit 133 accepting the provisional return request. Then, the notification unit 135 notifies the user terminal of information on the refund amount calculated by the return-of-goods processing unit 134 and the amount to be returned as a coupon. In response to the return request receiving unit 133 receiving a return request from the user who confirmed the refund amount, the return processing unit 134 executes return processing. This makes it possible for the user to know how much money will be refunded by returning the item before actually returning the item.

The payment processing apparatus 10 of the present embodiment described above determines whether or not the discount of the second discount amount by the second coupon is applied when the user purchases a product using a plurality of types of coupons, Perform appropriate product return processing. The operation of such payment processing apparatus 10 will be described below.

[Example of Operation Flow of Payment Processing Apparatus 10]
5 and 6 show an example of the operation flow of the payment processing apparatus 10 according to this embodiment. The payment processing apparatus 10 executes the operation flow shown in FIGS. 5 and 6 to execute the return processing for the first or second and subsequent returns. Note that the processing related to this operation flow shows an example of the operation after the payment unit 132 has already executed the payment processing corresponding to the user's transaction and the user has purchased a plurality of products at once.

In the present embodiment, an example will be described in which the payment processing apparatus 10 performs return processing after the user purchases products for a total amount of 500 yen at once. Unless otherwise specified, the discount applied amount of the second coupon is 400 yen, the first discount amount is 200 yen, and the second discount amount by the second coupon is 150 yen. An example of settlement processing executed by the settlement unit 132 is shown in FIG.

FIG. 7 shows a first example of the relationship between the amount processed by the settlement processing apparatus 10 and the amount refunded by the settlement processing apparatus 10 according to the present embodiment. FIG. 7(a) is a bar graph showing the total amount of 500 yen. FIG. 7(b) shows an example in which the settlement unit 132 applies the first discount amount of 200 yen with the first coupon and the second discount amount of 150 yen with the second coupon, and settles with the amount after deduction of 150 yen. show. In the present embodiment, the transaction example shown in FIGS. 7A and 7B is the first example transaction.

After executing the payment process, the payment unit 132 generates transaction history information indicating the history of the transactions related to the executed payment, and stores the transaction history information in the storage unit 12 . The settlement unit 132 stores, for example, a transaction ID, a transaction date and time, a total amount included in the settlement request, a coupon ID indicating a first coupon and a second coupon, a first discount amount and a second discount amount, and a discounted amount. and the amount of money are stored in the storage unit 12 as settlement history information. For example, the payment history information indicated by the transaction ID “9138189” in FIG. 3 is an example of the payment history information stored in the storage unit 12 by the payment unit 132 according to the transaction of the first example.

After such transaction of the first example, the return request receiving unit 133 receives a return request from the user (S30). Next, the history management unit 141 reads out the transaction history information stored in the storage unit 12, and refers to the transaction information corresponding to the return request (S31). If the transaction history information corresponding to the return request is not stored in the storage unit 12, the notification unit 135 notifies the store terminal 20 or the user terminal that there is no transaction history corresponding to the return request, and It is desirable to return to the behavior of As a result, the user can easily find out that there is some error in the return request input by the user, and the user can correct the return request and input it.

Next, the history management unit 141 confirms whether or not return history information of the transaction corresponding to the return request is stored in the storage unit 12 (S32). If the returned goods history information is not stored in the storage unit 12, the returned goods processing unit 134 treats the product for which the user requested to be returned as the first returned product, sets the product price of the first returned product as the first returned product price, and determines that the user Let the total price of the purchased products excluding the first returned product be the total price of the products.

Next, the determination unit 142 determines whether or not the total product price is greater than or equal to a predetermined discounted price (S33). If the total product price is equal to or greater than the predetermined discount amount (S33: Yes), the determination unit 142 determines that the discount of the second discount amount by the second coupon is applied. In this case, the determination unit 142 further determines whether or not the amount obtained by subtracting the second discount amount from the total product amount is less than or equal to the first discount amount (S34). Here, the amount obtained by subtracting the second discount amount from the total amount of goods is defined as the first amount.

The refund processing unit 143, on the condition that the discount of the second discount amount by the second coupon is applied, when the first amount obtained by subtracting the second discount amount from the total product amount exceeds the first discount amount (S34 : Yes), refund the amount obtained by subtracting the difference between the first amount and the first discount amount from the amount after deduction (S35). In this case, since the discount of the second discount amount by the second coupon is applied and the first returned item amount of the first returned item does not exceed the amount after deduction, the refund processing unit 143 refunds the first returned item amount. do.

In this case (S34: Yes), the first coupon return unit 144 does not return the first coupon (S35). In other words, the first coupon return unit 144 does not return the first coupon because the first return amount does not exceed the amount after deduction. , shows an example in which the first coupon return unit 144 does not perform coupon return processing. FIG. 7(c) shows an example in which the first return amount is 100 yen.

After the transaction of the first example, when a return request with a first return amount of 100 yen is received, the return processing unit 134 applies a discount of the second discount amount by the second coupon because the total amount of the product is 400 yen. do. Since the first amount is 200 yen, which exceeds the first discount amount (150 yen), the refund processing unit 143 refunds the first return amount of 100 yen. Also, the first coupon return unit 144 does not return the first coupon because the first return amount (100 yen) does not exceed the amount after deduction (150 yen). Similarly, the second coupon return unit 145 does not return the second coupon.

If the first amount is less than or equal to the first discount amount (S34: No), the refund processing unit 143 refunds the amount after deduction (S36) on the condition that the discount of the second discount amount by the second coupon is applied. . The refund processing unit 143 determines that the discount of the second discount amount by the second coupon is applied and the first returned item amount of the first returned item exceeds the amount after deduction. refund the amount.

Then, in this case (S34: No), the first coupon return unit 144 returns the first coupon corresponding to the amount obtained by subtracting the first amount from the first discount amount (S36). In other words, the first coupon return unit 144 returns the first coupon corresponding to the amount of the first return amount that exceeds the amount after deduction.

FIG. 7D shows an example in which the refund processing unit 143 performs refund processing and the first coupon return unit 144 performs coupon return processing. FIG. 7(d) shows an example in which the discount applied amount of the second coupon is 200 yen instead of 400 yen, and the first return amount is 200 yen.

For example, after the transaction of the first example, if a return request with a second coupon discount amount of 200 yen and a first return amount of 200 yen is received, the return processing unit 134 determines that the total amount of merchandise is 300 yen. Therefore, the discount of the second discount amount by the second coupon is applied. Then, since the first amount is 100 yen, which is less than the first discount amount (150 yen), the refund processing unit 143 refunds 150 yen, which is the amount after deduction. Also, the first coupon return unit 144 returns the first coupon corresponding to 50 yen obtained by subtracting the first amount (100 yen) from the first discount amount (150 yen). On the other hand, the second coupon return unit 145 does not return the second coupon.

Here, on the condition that the discount of the second discount amount by the second coupon is applied, if the first amount becomes less than 0, the refund processing unit 143 refunds the amount after deduction, and the first coupon return unit 144 returns the first coupon corresponding to the first discount amount. In this case, the second coupon return unit 145 may return the second coupon corresponding to the amount of the absolute value of the first amount, or alternatively, may not return the second coupon. Whether or not the second coupon return unit 145 returns the second coupon is preferably set in advance.

It should be noted that the fact that the user obtains the product with a charge of 0 yen due to the application of the coupon in the returned goods process is not considered a condition for using the coupon by the issuer of the coupon or the store that can use the coupon. often not set. However, the payment processing device 10 can allow such coupon usage conditions and return processing. FIG. 7E shows an example in which the refund processing unit 143 performs refund processing and the first coupon return unit 144 performs coupon return processing. FIG. 7(e) shows an example in which the discount applied amount of the second coupon is 100 yen instead of 400 yen, and the first return amount is 400 yen.

For example, after the transaction of the first example, if a return request with a second coupon discount amount of 100 yen and a first return amount of 400 yen is received, the return processing unit 134 determines that the product total amount is 100 yen. Therefore, the discount of the second discount amount by the second coupon is applied. Then, since the first amount is -50 yen, which is less than 0, the refund processing unit 143 refunds 150 yen, which is the amount after deduction. Also, the first coupon return unit 144 returns the first coupon corresponding to the first discount amount of 150 yen. Then, for example, the second coupon return unit 145 returns the second coupon corresponding to 50 yen, which is the amount of the absolute value of the first amount.

The above is the operation of the refund processing and the coupon return processing when the discount of the second discount amount by the second coupon is applied by the determination unit 142 . On the other hand, when the total product price is less than the predetermined discount amount (S33: No), the determination unit 142 determines that the discount of the second discount amount due to the second coupon is not applied. In this case, as shown in the flow of FIG. 6, the determination unit 142 determines whether or not the total product price is equal to or greater than the amount obtained by adding the first discount amount to the price after deduction (S40). It is further determined whether or not it is equal to or greater than the amount (S41). Here, the amount obtained by adding the first discount amount to the amount after deduction is set as the second amount.

For example, on the condition that the discount of the second discount amount by the second coupon was not applied (S33: No), the refund processing unit 143 determines that the total amount of the product is the second amount obtained by adding the first discount amount to the amount after deduction. If the amount is equal to or more than the amount (S40: Yes), no refund processing is performed. In other words, the refund processing unit 143 does not perform the refund process because the discount of the second discount amount by the second coupon is not applied and the first return amount is less than the second discount amount that was not applied. In this case, the first coupon return unit 144 does not return the first coupon.

For example, in the transaction of the first example, if the first return amount is 150 yen, the total amount of merchandise is 350 yen, and the discount of the second discount amount by the second coupon is not applied. Here, when the user purchases a product with a total amount of 350 yen from the beginning, the discount of the first discount amount is applied without applying the discount of the second discount amount, so the amount to be paid by the user is 150 yen. . In the transaction of the first example, the amount paid by the user is also 150 yen. do not

FIG. 8 shows a second example of the relationship between the amount processed by the settlement processing apparatus 10 and the amount refunded by the settlement processing apparatus 10 according to the present embodiment. The relation of the second example shows the relation when the discount of the second discount amount by the second coupon is not applied. 8(a) and 8(b) show the transaction of the first example shown in FIGS. 7(a) and 7(b). FIG. 8C shows an example in which the refund processing unit 143 does not perform refund processing and the first coupon return unit 144 does not perform coupon return processing. FIG. 8(c) shows an example in which the first return amount is 150 yen as described above.

In addition, the refund processing unit 143, on the condition that the discount of the second discount amount by the second coupon was not applied (S33: No), the total amount of goods is less than the second amount (S40: No), and , if the discount amount is equal to or greater than the first discount amount (S41: Yes), the amount obtained by subtracting the total amount of the product from the second amount is refunded (S42). In other words, since the discount of the second discount amount by the second coupon is not applied and the first return amount exceeds the second discount amount that was not applied, the refund processing unit 143 The amount exceeding the second discount amount will be refunded.

In this case (S41: Yes), the total amount of merchandise is equal to or greater than the first discount amount (that is, the first return amount is less than the amount after deduction plus the second discount amount), so the first coupon return unit 144 Coupon return processing is not performed (S42).

For example, in the transaction of the first example, if the first return amount is 200 yen, the total amount of goods will be 300 yen, and the discount of the second discount amount by the second coupon will not be applied. In addition, since the total product price (300 yen) is less than the second price (350 yen) and equal to or greater than the first discount amount (200 yen), the refund processing unit 143 subtracts the total product price from the second price, which is 50 refund the yen. FIG. 8(d) shows an example in which the first return amount is 200 yen.

Furthermore, the refund processing unit 143, on the condition that the discount of the second discount amount by the second coupon was not applied (S33: No), if the total product price is less than the first discount amount (S41: No), The amount after deduction is refunded (S43). In other words, since the discount of the second discount amount by the second coupon is not applied and the amount after deduction is added to the second discount amount to which the first return amount was not applied, the refund processing unit 143 refunds the amount after deduction.

In this case (S41: No), since the total product price is less than the first discount amount (that is, the first return amount is equal to or greater than the amount after deduction plus the second discount amount), the first coupon return unit 144 The first coupon corresponding to the amount obtained by subtracting the total product amount from the one discount amount is returned (S43).

For example, in the transaction of the first example, if the first return amount is 350 yen, the total amount of goods will be 150 yen, and the discount of the second discount amount by the second coupon will not be applied. In addition, since the total product price (150 yen) is less than the first discount amount (200 yen), the refund processing unit 143 refunds the amount after deduction of 150 yen, and the first coupon return unit 144 returns the first discount amount ( 200 yen) minus the total product price (150 yen), and the first coupon corresponding to 50 yen is returned. FIG. 8(e) shows an example in which the first return amount is 350 yen.

Here, the second coupon return unit 145 may return the second coupon even if the determination unit 142 determines that the second discount amount is not applied by the second coupon. The second coupon returning unit 145 may return the second coupon to the user when the return request accepting unit 133 accepts the return request within the period during which the second coupon can be used. It is desirable that whether the return request accepting unit 133 accepts a return request within a predetermined period or accepts a return request regardless of the predetermined period is set in advance. It is desirable that Whether or not to accept a return request may be further set in the storage unit 12 for each product type.

For example, the second coupon return unit 145 has executed the process related to the return of goods to the user, so that the second discount amount discounted by the second coupon has decreased compared to before executing the process related to the return of goods. In this case, the second coupon corresponding to the reduced amount is returned to the user. In other words, the second coupon return unit 145 executes the processing related to the return of goods to the user, so that the second discount amount discounted by the second coupon decreases compared to before executing the processing related to the return of goods. When there is a surcharge to be collected from the user for part of the price of the product purchased by the user, the second coupon corresponding to the surcharge is returned to the user to compensate for the surcharge.

For example, in the case of FIG. 8C, the second coupon return unit 145 reduces the second discount amount by the amount (150 yen) obtained by subtracting the refunded 0 yen from the first return amount (150 yen). Suppose In the example of FIG. 8D, the second coupon return unit 145 reduces the second discount amount by the amount (150 yen) obtained by subtracting the refunded 50 yen from the first return amount (200 yen). Suppose

Similarly, in the case of the example of FIG. 8(e), the second coupon return unit 145 calculates the returned amount of 150 yen from the first return amount (350 yen) and the amount corresponding to the returned first coupon (50 yen). Assume that the second discount amount is reduced by the subtracted amount (150 yen). Therefore, the second coupon return unit 145 returns the second coupon corresponding to the decreased 150 yen.

Here, when the second coupon return unit 145 returns the second coupon to the user, the return processing unit 134 may notify the issuer of the second coupon that the second coupon has been returned. The returned-goods processing unit 134 notifies, for example, via the notification unit 135 that the second coupon has been returned. This allows the issuer of the second coupon to know that the second coupon has been applied with an amount different from the second discount amount due to the return processing. Moreover, the payment processing apparatus 10 may charge the issuer of the second coupon for the amount obtained by applying the second coupon based on such notification.

Alternatively, the second coupon return unit 145 may not return the second coupon. If the second coupon return unit 145 does not return the second coupon, the return processing unit 134 may not have the second coupon return unit 145 . In this case, the returned goods processing unit 134 executes the process related to the returned goods for the user. , the second coupon is not returned to the user.

As described above, when the returned goods request receiving unit 133 receives the returned goods request and the returned goods processing unit 134 executes the returned goods process, the history management unit 141 generates the returned goods history information and stores it in the storage unit 12 (S37). . For example, the history management unit 141 associates the transaction identification information for identifying the transaction corresponding to the return request with the refund amount refunded by the refund processing unit 143, and stores them in the storage unit 12 as return history information.

Also, when the first coupon return unit 144 returns the first coupon to the user, the history management unit 141 stores information on the amount corresponding to the returned first coupon in the storage unit 12 in addition to the corresponding return history information. It is desirable to Similarly, when the second coupon return unit 145 returns the second coupon to the user, the history management unit 141 stores the amount information corresponding to the returned second coupon in the storage unit 12 in addition to the corresponding transaction identification information. It is desirable to memorize.

For example, the return history information shown on September 5, 2021 for the transaction ID "9138189" in FIG. 4 indicates that the return processing unit 134 executed the return processing shown in FIG. It is an example of settlement history information stored in the storage unit 12 by the history management unit 141 in response. Then, the notification unit 135 notifies the store terminal 20 of information indicating that the return processing has been completed (S38). The above operational flow is the operational flow corresponding to the first return request.

As described above, the payment processing apparatus 10 of the present embodiment executes appropriate product return processing to reduce the burden on the store clerk and the user at the time of product return even when the user purchases products using multiple types of coupons. make it lessen. Note that the payment processing apparatus 10 may execute return processing multiple times in response to multiple return requests.

For example, after the returned-goods processing unit 134 executes processing related to returned goods for the user, the returned-goods request accepting unit 133 further accepts a return request for the second returned-goods product among the products that the user has already purchased in the transaction and has not yet returned the product. In this case, the payment processing apparatus 10 further executes the operation flow shown in FIGS. 5 and 6. FIG. Here, in the case of the second and subsequent return requests, the storage unit 12 stores the result of the return processing for the previous return request as the return history information.

Therefore, in S32 of FIG. 5, when the history management unit 141 confirms that the return history information of the transaction corresponding to the return request is stored in the storage unit 12, the history management unit 141 grasps that the return request is the second or later return request. can. Therefore, the history management unit 141 sets the accumulated past refund amount as the first accumulated amount, and sets the accumulated amount corresponding to the first coupon returned in the past as the second accumulated amount. Note that the history management unit 141 may set the cumulative total of the amounts corresponding to the second coupons returned in the past as the third cumulative amount.

Then, the returned goods processing unit 134 performs the process related to the returned goods, with the total amount of the goods purchased by the user and before the returned goods, excluding the second returned goods, as the total amount of goods. Here, when the amount to be refunded is calculated in S35, S36, S42, or S43, the refund processing unit 143 refunds the amount obtained by subtracting the first accumulated amount from the calculated amount within the range of the amount after deduction. . In addition, when the first coupon return unit 144 calculates the amount to be returned as the first coupon, the first coupon corresponding to the amount obtained by subtracting the second accumulated amount from the calculated amount within the range of the first discount amount is returned. Return.

For example, as shown in FIG. 7C, the returned goods processing unit 134 returns the first returned goods with the first returned goods amount of 100 yen, and then returns the second returned goods with the second returned goods amount of 250 yen. In the case of return processing of , the return processing for the total product amount of 150 yen is performed. The returned-goods processing unit 134 sets the first cumulative amount to 100 yen and calculates the amount to be refunded as 150 yen as shown in FIG. The refund processing unit 143 refunds 50 yen obtained by subtracting the first cumulative amount (10 yen) from 150 yen.

In addition, the returned goods processing unit 134 sets the second cumulative amount to 0 yen and calculates the amount to be returned as the first coupon to be 50 yen as shown in FIG. . Therefore, the first coupon return unit 144 returns the first coupon corresponding to 50 yen obtained by subtracting the second accumulated amount (0 yen) from 50 yen. Similarly, when the second coupon return unit 145 calculates the amount to be returned as the second coupon, the second coupon corresponding to the amount obtained by subtracting the third cumulative amount from the calculated amount within the range of the second discount amount. 2 You may return the coupon.

FIG. 9 shows a first example of changes in various amounts when the payment processing apparatus 10 according to the present embodiment has processed returned goods a plurality of times. The horizontal axis of FIG. 9 indicates the total price of the products purchased by the user, and the vertical axis indicates the price corresponding to each graph. FIG. 9 shows an example in which after the user purchases products with a total price of 500 yen, the user returns 100-yen products, 100-yen products, 150-yen products, 100-yen products, and 50-yen products in this order.

Graph (A) shows the total price of products purchased by the user and the amount of money processed by the payment processing apparatus 10 when there is no discount due to coupons. For example, if the user purchases a product with a total price of 500 yen, the payment processing apparatus 10 charges 500 yen. . When the user returns the products in order and the total product price changes to 400 yen, 300 yen, 150 yen, 50 yen, and 0 yen, graph (A) shows 400 yen, 300 yen, and 400 yen, respectively. , 150 yen, 50 yen, and 0 yen.

Graph (B) shows the amount after subtracting the second discount amount by the second coupon from the total amount of the product. For example, when the user purchases a product with a total price of 500 yen, the return processing unit 134 applies the second discount amount of 150 yen. become a circle. Also, even if the user returns a product for 100 yen, the total product price (400 yen) is equal to or greater than the discount applied amount (400 yen), so the returned goods processing unit 134 applies the second discount amount of 150 yen. Therefore, in graph (B), the horizontal axis is 400 yen and the vertical axis is 250 yen.

If the user returns another product for 100 yen, the total product price (300 yen) will be less than the discount applied price (400 yen), so the returned goods processing unit 134 will not apply the second discount amount of 150 yen. Therefore, in graph (B), the horizontal axis is 300 yen and the vertical axis is 300 yen. Similarly, when the user returns products in order and the total product price changes from 150 yen to 50 yen to 0 yen, the amount on the vertical axis of graph (B) changes from 150 yen to 50 yen to 0 yen. .

Graph (C) shows the amount borne by the user. For example, when the user purchases a product with a total price of 500 yen, the settlement unit 132 applies the first discount amount of 200 yen by the first coupon and the second discount amount of 150 yen by the second coupon, Settle for 150 yen. As a result, in graph (C), the horizontal axis is 500 yen and the vertical axis is 150 yen. Here, when the user returns the product for 100 yen, the refund processing unit 143 refunds 100 yen as described with reference to FIG. Therefore, in graph (C), the amount of money on the vertical axis is 50 yen for the amount of 400 yen on the horizontal axis.

If the user returns another product for 100 yen, the return processing unit 134 does not apply the second discount amount. Since the total product price is 300 yen, as described in FIG. ) is deducted from the amount to be refunded. Here, the refund processing unit 143 does not perform refund processing because the amount obtained by subtracting the first cumulative amount (100 yen) from 50 yen is less than 0 yen. Therefore, in graph (C), the horizontal axis is 300 yen and the vertical axis is 50 yen.

If the user returns another product for 150 Yen, the total product price will be 150 Yen. The return-of-goods processing unit 134 calculates the amount after deduction (150 yen) as the amount to be refunded, as described in FIG. 8(e). Then, the refund processing unit 143 refunds the amount of 50 yen obtained by subtracting the first cumulative amount (100 yen) from 150 yen. Therefore, in graph (C), the horizontal axis is 150 yen and the vertical axis is 0 yen. Since the burden amount is 0 yen, the vertical axis of the graph (C) becomes 0 yen in the subsequent return processing.

Graph (D) shows the sum of the amount borne by the user and the amount discounted by the first coupon. For example, when the user purchases a product with a total price of 500 yen, the user's burden is 150 yen, and the amount discounted by the first coupon is 200 yen, which is the first discount amount. As a result, in the graph (D), the horizontal axis is 500 yen and the vertical axis is 350 yen.

If the user returns another 100 yen product, the total product price becomes 400 yen, and the returned goods processing unit 134 applies the first discount amount (200 yen) as described with reference to FIG. 7(c). As described above, the user's burden is 50 yen, so in graph (D), the horizontal axis is 400 yen and the vertical axis is 250 yen, which is the sum of the first discount amount (200 yen) and 50 yen. .

If the user returns another 100 yen product, the total product price becomes 300 yen, and the returned goods processing unit 134 applies the first discount amount (200 yen) as described with reference to FIG. 8(d). As described above, the user's burden is 50 yen, so in graph (D), the horizontal axis is 300 yen and the vertical axis is 250 yen, which is the sum of the first discount amount (200 yen) and 50 yen. .

When the user returns another product for 150 yen, the total product price becomes 150 yen, and as described with reference to FIG. Further, since the user's burden is 0 yen as described above, in graph (D), the horizontal axis is 150 yen and the vertical axis is 150 yen. Similarly, in graph (D), when the horizontal axis changes from 50 yen to 0 yen, the vertical axis also changes from 50 yen to 0 yen.

Here, the returned goods history information shown from September 5, 2021 to September 11, 2021 for the transaction ID "9138189" in FIG. , 300 yen, 150 yen, 50 yen, and 0 yen. As described above, the payment processing apparatus 10 of the present embodiment can perform appropriate product return processing even when a user purchases products using multiple types of coupons. In particular, even if the discount amount of the coupon changes depending on the total price of the product, the payment processing apparatus 10 can perform appropriate product return processing to reduce the burden on the store clerk and the user when returning the product.

In addition, in the payment processing apparatus 10 of the present embodiment, the second coupon is a coupon to which a discount of the second discount amount is applied when the total amount of products purchased by the user is equal to or more than a predetermined discount application amount. Illustrated, but not limited to. The second discount amount of the second coupon may be an amount obtained by multiplying the total product price by a predetermined discount rate. The operation of the payment processing apparatus 10 using such a second coupon will be described below.

FIG. 10 shows a modification of the operation flow of the payment processing apparatus 10 according to this embodiment. In the operation flow of this modified example, the same reference numerals are given to the operations that are substantially the same as those of the operation flow of the payment processing apparatus 10 according to the present embodiment shown in FIG. 5, and overlapping explanations are omitted. After S32, the returned-goods processing unit 134 multiplies the total product price by a predetermined discount rate to specify the second discount amount (S50). In this embodiment, the second coupon is a coupon with a maximum discount amount of 150 yen and a predetermined discount rate of 40%.

For example, when the user first purchases a product with a total price of 500 yen, the settlement unit 132 applies a first discount amount of 200 yen based on the first coupon and a second discount amount of 150 yen based on the second coupon. , Settle with the deducted amount of 150 yen. For example, the payment history information indicated by the transaction ID “9814771” in FIG. 3 is an example of the payment history information stored in the storage unit 12 by the payment unit 132 according to such a transaction. In addition, let such a transaction be a transaction of the second example.

After the transaction of the second example, if a return request with a first return amount of 100 yen is accepted, as described above, after the operations from S30 to S32, the return processing unit 134 adds a predetermined discount rate to the total amount of goods. to specify the second discount amount (S50). It should be noted that the returned-goods processing unit 134 specifies the second discount amount as 150 yen because the product (160 yen) of the total product price (400 yen) and the predetermined discount rate (40%) exceeds 150 yen.

Then, the refund processing unit 143 determines that the first amount (250 yen) obtained by subtracting the second discount amount (150 yen) from the total product amount (400 yen) exceeds the first discount amount (200 yen) (S34: Yes ), the amount (100 yen) obtained by subtracting the difference (50 yen) between the first amount and the first discount amount from the amount after deduction (150 yen) is refunded (S35). Also, the first coupon return unit 144 does not return the first coupon (S35). Such return processing is the same as the return processing shown in FIG. 7(c).

The payment processing apparatus 10 described above executes the return processing for the second and subsequent returns in the same manner as the operation flow shown in FIG. 10 . For example, consider a case where, after the payment processing apparatus 10 has processed the return request for the first return amount of 100 yen as described above, it further receives a return request for the second return amount of 100 yen. After the operations from S30 to S32 described above, the returned-goods processing unit 134 multiplies the total product price (300 yen) by a predetermined discount rate (40%) to specify the second discount amount (120 yen).

Then, the refund processing unit 143 determines that the first amount (180 yen) obtained by subtracting the second discount amount (120 yen) from the total product amount (300 yen) is less than or equal to the first discount amount (200 yen) (S34: No). , the amount after deduction (150 yen) is calculated as the amount to be refunded. Here, since the return request is the second or later request, the refund processing unit 143 refunds the amount (50 yen) obtained by subtracting the first accumulated amount (100 yen) from the amount after deduction (150 yen) (S36).

Also, the first coupon return unit 144 calculates the amount (20 yen) obtained by subtracting the first amount (180 yen) from the first discount amount (200 yen) as the amount of the first coupon to be returned. The first coupon return unit 144 returns the first coupon corresponding to the amount (20 yen) obtained by subtracting the second accumulated amount (0 yen) from 20 yen (S36). In addition, the second coupon return unit 145 determines that the second discount amount (120 yen) specified by the returned goods processing has decreased from the second discount amount (150 yen) before the returned goods, so that the reduced amount (30 yen) A corresponding second coupon may be returned to the user.

The payment processing apparatus 10 repeats the operation flow of FIG. 10 for the second and subsequent return processing. FIG. 11 shows a second example of changes in various amounts when the payment processing apparatus 10 according to the present embodiment has processed returned goods a plurality of times. The change in the amount of money in the second example is similar to the change in the amount of money in the first example shown in FIG. Graph (B) is the amount after subtracting the amount, graph (C) is the amount borne by the user, and graph (D) is the sum of the amount borne by the user and the amount discounted by the first coupon.

FIG. 11 shows an example in which after the user purchases products with a total price of 500 yen, the user returns 100-yen products, 100-yen products, 150-yen products, 100-yen products, and 50-yen products in this order. Also, FIG. 11 shows an example in which the second coupon is a coupon with a maximum discount amount of 150 yen and a predetermined discount rate of 40%. In addition, the returned goods history information shown from September 13, 2021 to September 18, 2021 for the transaction ID "9814771" in FIG. This is an example of information generated when the return processing is performed in the order of 300 yen, 150 yen, 50 yen, and 0 yen.

As described above, the payment processing apparatus 10 according to the present embodiment provides an appropriate discount even when a user purchases a product using multiple types of coupons including a coupon that discounts the product total price multiplied by a predetermined discount rate. Can process product returns. Therefore, even if the user purchases an item using a plurality of types of coupons including a coupon whose discount amount varies depending on the total amount of the item and returns the item after purchase, the payment processing apparatus 10 can perform appropriate item return processing. can provide a method.

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

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. Further, 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.

10 payment processing device 11 communication unit 12 storage unit 13 control unit 20 store terminal 30 user terminal 131 payment request reception unit 132 payment unit 133 returned goods request reception unit 134 returned goods processing unit 135 notification unit 141 history management unit 142 determination unit 143 refund processing unit 144 first coupon return unit 145 second coupon return unit

Claims (13)

a payment request receiving unit that receives a payment request for one transaction in which a user purchases a plurality of products using a first coupon and a second coupon of a type different from the first coupon;
billing processing for the amount after deducting the first discount amount corresponding to the first coupon and the second discount amount corresponding to the second coupon from the total amount of the plurality of products purchased by the user; a settlement unit for settlement;
a return request receiving unit that receives a return request from the user for at least a first return product, which is one of the plurality of products purchased by the user in the transaction;
When the return request receiving unit receives the return request, the total price of the plurality of products purchased by the user excluding the first returned product is set as the total product price, and the product is returned based on the total product price. and a returned goods processing unit that performs such processing,
The second discount amount of the second coupon is an amount obtained by multiplying the total product price by a predetermined discount rate,
The returned goods processing unit
Identifying the second discount amount by multiplying the total product price by a predetermined discount rate,
a refund processing unit for refunding the amount after deduction if the first amount obtained by subtracting the second discount amount from the total product amount is less than or equal to the first discount amount; and subtracting the first amount from the first discount amount. a first coupon return unit that returns the first coupon corresponding to the amount of money received;
When the first amount exceeds the first discount amount, the refund processing unit refunds the amount obtained by subtracting the difference between the first amount and the first discount amount from the amount after deduction, and the first coupon. The return section does not process the return of the first coupon.
Payment processor. Transaction identification information for identifying the transaction by the user, the total price of the plurality of products purchased by the user, the first discount amount, and the second discount amount are associated and stored as transaction history information. further comprising a storage unit;
The returned goods processing unit reads the transaction history information stored in the storage unit, calculates the total product price, and performs processing related to returned goods based on the calculated total product price.
The payment processing device according to claim 1. When the return request receiving unit receives the return request, the return processing unit associates the transaction identification information for identifying the transaction corresponding to the return request with the returned refund amount, and generates the return history information. store in memory
The settlement processing device according to claim 2. When the first coupon return unit returns the first coupon to the user, the return processing unit adds information on the amount corresponding to the returned first coupon to the corresponding return history information.
The settlement processing device according to claim 3. After the returned-goods processing unit performs processing related to returned goods for the user, the returned-goods request receiving unit issues the returned-goods request for a second returned product among the products that the user has purchased in the transaction and has not yet returned. Further, subject to acceptance,
The returned goods processing unit
The cumulative amount of refunds in the past is defined as a first cumulative amount, and the cumulative amount corresponding to the first coupon returned in the past is defined as a second cumulative amount,
The returned goods processing unit performs processing related to the returned goods, with the total amount of the goods purchased by the user and before the return, excluding the second returned goods, as the total amount of the goods,
The refund processing unit, when calculating the amount to be refunded, refunds the amount obtained by subtracting the first cumulative amount from the calculated amount within the range of the amount after deduction,
When the first coupon return unit calculates the amount to be returned as the first coupon, the first coupon return unit corresponds to the amount obtained by subtracting the second accumulated amount from the calculated amount within the range of the first discount amount. return the coupon
The settlement processing device according to any one of claims 1 to 4. When the returned goods processing unit executes the process related to the returned goods for the user, the second discount amount discounted by the second coupon is reduced compared to before executing the process related to the returned goods. , further comprising a second coupon return unit that returns the second coupon corresponding to the reduced amount to the user;
The settlement processing device according to any one of claims 1 to 5. The returned-goods processing unit executes the process related to the returned goods for the user, so that the second discount amount discounted by the second coupon is reduced compared to before executing the process related to the returned goods, A second coupon return unit for compensating for the additional charge by returning the second coupon corresponding to the additional charge to the user when a additional charge to be collected from the user for a portion of the price of the product purchased by the user occurs. further comprising
The settlement processing device according to any one of claims 1 to 5. The second coupon returning unit returns the second coupon to the user when the return request receiving unit receives the return request within a period during which the second coupon can be used.
The settlement processing device according to claim 6 or 7. When the second coupon return unit returns the second coupon to the user, the return processing unit notifies the issuer of the second coupon that the second coupon has been returned.
The settlement processing device according to any one of claims 6 to 8. Even if the second discount amount discounted by the second coupon is reduced compared to before executing the return processing, the return processing unit executes the processing related to the return for the user. , not returning the second coupon to the user;
The settlement processing device according to any one of claims 1 to 5. The first coupon is a coupon that the user can use by paying an amount smaller than the first discount amount.
The settlement processing device according to any one of claims 1 to 10. The second coupon is a coupon that the user can acquire and use without directly paying for the coupon.
The settlement processing device according to any one of claims 1 to 11. the computer runs
accepting a payment request for one transaction in which a user purchases a plurality of products using a first coupon and a second coupon of a type different from the first coupon;
billing processing for the amount after deducting the first discount amount corresponding to the first coupon and the second discount amount corresponding to the second coupon from the total amount of the plurality of products purchased by the user; a step of making a payment;
receiving, from the user, a return request for at least some of the first returned products among the plurality of products purchased by the user in the transaction;
when the return request is received, the total price of the products purchased by the user excluding the first returned product is set as the total product price, and a step of performing processing related to the return based on the total product price. has
The second discount amount of the second coupon is an amount obtained by multiplying the total product price by a predetermined discount rate,
In the step of performing processing related to returned goods,
a step of specifying the second discount amount by multiplying the total product price by a predetermined discount rate;
if a first amount obtained by subtracting the second discount amount from the total product amount is less than or equal to the first discount amount, refunding the amount after deduction; and an amount obtained by subtracting the first amount from the first discount amount. and returning the first coupon corresponding to
When the first amount exceeds the first discount amount, in the step of refunding, the amount obtained by subtracting the difference between the first amount and the first discount amount from the amount after deduction is refunded, and the returning step In the above, the first coupon is not processed for return,
Payment processing method.

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