JP2023099119A - Information processing method and terminal - Google Patents

Abstract

To provide an information processing method and a terminal that present information to a user corresponding to a purchase state of the user.SOLUTION: A settlement processing device 1 comprises: a token transmission unit 132 that acquires presentation information which includes information associated with a predetermined store, information associated with a predetermined business operator, or information associated with a predetermined product or service, on the basis of an acquired user ID when an issue request of a settlement code is acquired from a user terminal 2, and transmits the presentation information and settlement data to the user terminal; a settlement information reception unit 133 that receives the settlement data, store information, and settlement information associated with purchase of a product or a service in a store of a user, from a store terminal which reads the settlement code displayed by the user terminal 2 on the basis of the settlement data; and a settlement processing unit 134 that performs settlement on the basis of a user ID associated with the settlement data and the received settlement information when the settlement data stored in a storage unit 12 and the received settlement data match each other.SELECTED DRAWING: Figure 2

Description

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

Code settlement using a two-dimensional bar code such as a QR code (registered trademark) is widespread (see, for example, Patent Documents 1, 2, and 3). In the code payment, the user terminal reads a two-dimensional barcode displayed by the store, or the store reads the two-dimensional barcode displayed by the user terminal.

Japanese Patent No. 6528160 Japanese Patent No. 6473539 Japanese Patent No. 6542455

With conventional code payments, coupons can be uniformly presented to users who make code payments, and benefits corresponding to the coupons can be given at the time of payment. There was a problem that various information could not be presented to the user in correspondence with the purchase status of the user.

Accordingly, the present invention has been made in view of these points, and it is an object of the present invention to provide an information processing method capable of presenting information to the user in accordance with the purchase status of the user.

An information processing method according to a first aspect of the present invention is an information processing method executed by a computer, from a user's terminal, requesting issuance of a user identifier for identifying the user and a settlement code for the user to make a settlement at a store. and a storage unit that stores, in association with the user identifier, the number of payments made by the user corresponding to the user identifier, the total payment amount of the payment, or store information of the store that performed the payment. a step of associating and storing the user identifier and payment data corresponding to the payment code; and referring to the storage unit, the number of payments and the total payment associated with the obtained user identifier. a step of obtaining presentation information including information about a predetermined store, information about a predetermined business operator, or information about a predetermined product or service based on the amount and the store information; a step of transmitting the payment data to the terminal; and the payment data and the shop for identifying the shop from the shop terminal of the shop that reads the payment code displayed by the terminal based on the payment data. a step of receiving information and payment information relating to the purchase of goods or services at the store by the user; and making a payment based on the user identifier associated with the payment data and the received payment information.

An information processing method according to a second aspect of the present invention, executed by a computer, issues a user identifier for identifying the user and a payment code for the user to make a payment at a store, from a user's terminal. a step of associating the acquired user identifier with payment data corresponding to the payment code and storing it in a storage unit; another user different from the user indicated by the acquired user identifier a step of obtaining presentation information including information about a predetermined store, information about a predetermined business operator, or information about a predetermined product or service based on the purchase status of goods or services purchased by a person; , transmitting the payment data to the terminal; and identifying the payment data and the shop from the shop terminal of the shop that reads the payment code displayed by the terminal based on the payment data. a step of receiving store information for making a payment and payment information related to the purchase of goods or services at the store by the user; the data for payment stored in the storage unit; and the data for payment received. If there is a match, making a payment based on the user identifier associated with the payment data and the received payment information.

An information processing method according to a third aspect of the present invention, executed by a computer, issues a user identifier for identifying the user and a payment code for the user to make a payment at a store, from a user's terminal. a step of associating the acquired user identifier with payment data corresponding to the payment code and storing it in a storage unit; and an association with user information specified based on the acquired user identifier. a step of obtaining, as presentation information, advertisement information relating to a store that accepts code payment, which is advertisement information provided by the user, and displaying the presentation information while the payment code is displayed on the terminal of the user. a step of transmitting the presented information and the payment data to the terminal; and transmitting the payment data and the payment data from the store terminal of the store that reads the payment code displayed by the terminal based on the payment data. , a step of receiving store information for identifying the store and payment information related to the purchase of goods or services at the store by the user; the payment data stored in the storage unit; and making a payment based on the user identifier associated with the payment data and the received payment information when the payment data matches.
An information processing method according to a fourth aspect of the present invention, executed by a computer, issues a user identifier for identifying the user and a payment code for the user to make a payment at a store, from a user's terminal. a step of associating the acquired user identifier with payment data corresponding to the payment code and storing it in a storage unit; and an association with user information specified based on the acquired user identifier. a step of obtaining, as presentation information, advertising information related to a product that is specified in advance by a business operator that operates a store where the user purchased the product or service, and that the payment code is transmitted to the terminal of the user; a step of transmitting the presentation information and the payment data to the terminal so that the presentation information is displayed while the payment code is displayed on the terminal; and the payment code displayed by the terminal based on the payment data. a step of receiving the payment data, shop information for identifying the shop, and payment information regarding the user's purchase of goods or services at the shop from the shop terminal of the shop that read the above; a step of making a payment based on the user identifier associated with the payment data and the received payment information when the payment data stored in and the received payment data match each other; , has

ADVANTAGE OF THE INVENTION According to this invention, it is effective in being able to show a user information corresponding to a user's purchase condition.

It is a figure which shows the outline of a settlement system. It is a figure which shows the functional structure of a payment processing apparatus. It is a figure which shows an example of advertisement DB. It is a figure which shows an example of payment history DB. 3 is a diagram showing a functional configuration of a user terminal; FIG. It is a figure which shows the function structure of a shop terminal. FIG. 4 is an operation sequence diagram of the settlement system;

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

The payment system S includes a payment processing device 1 , a user terminal 2 and a store terminal 3 . The settlement processing device 1 is a server that settles the purchase price. The payment processing device 1 also functions as an information processing device that presents advertisement information as presentation information to the user when the purchase amount is settled. The user terminal 2 is an information terminal used by a user, such as a smart phone, tablet, or personal computer. The store terminal 3 is, for example, a POS terminal.
Hereinafter, the flow until advertisement information is presented to the user will be described with reference to FIG.

A user moves to a store and purchases a product at the store. When the user pays the bill at the store, the user activates the payment application software and performs an operation to display the payment code on the user terminal 2 . When the user terminal 2 receives an operation for displaying the payment code, it transmits the user ID as a user identifier and a payment code acquisition request to the payment processing apparatus 1 ((1) in FIG. 1).

Upon receiving the user ID and the payment code acquisition request from the user terminal 2, the payment processing apparatus 1 generates a payment token ((2) in FIG. 1). The payment token is a data string used when the user terminal 2 generates a payment code that the user presents at the store. The payment processing apparatus 1 associates the generated payment token with the user ID and stores them in the storage medium ((3) in FIG. 1).

The payment processing apparatus 1 transmits the generated payment token to the user terminal 2 ((4) in FIG. 1). The payment processing apparatus 1 may transmit the encrypted payment token to the user terminal 2 after encrypting the payment token.

The user terminal 2 generates and displays a payment code based on the received payment token ((5) in FIG. 1).
The user presents the payment code when paying the purchase price of the product at the cash register of the store. Then, for example, the store terminal 3 reads the payment code displayed on the user terminal 2 by the operation of the store clerk ((6) in FIG. 1).

The shop terminal 3 sends to the payment processing device 1 a payment request including payment information including the total amount of products purchased by the user, a payment token indicated by the read payment code, and shop information for identifying the shop. Send ((7) in FIG. 1).

When receiving the payment token from the store terminal 3 , the payment processing device 1 determines whether the received payment token matches the payment token sent to the user terminal 2 . When determining that the payment tokens match, the payment processing apparatus 1 executes payment processing based on the payment request ((8) in FIG. 1).

In addition, when the payment processing device 1 determines that the payment tokens match, the advertisement DB associates each of the plurality of pieces of advertisement information with the store information, the product ID for identifying the product included in the payment information, or the user ID. (database) to acquire advertisement information to be presented to the user ((9) in FIG. 1).

The payment processing apparatus 1 transmits payment completion information indicating that the payment has been completed and the acquired advertisement information to the user terminal 2 ((10) in FIG. 1). The user terminal 2 displays the received payment completion information and advertisement information ((11) in FIG. 1).

By operating as described above, the payment system S can present effective advertising information to the user based on the user's purchase status, visit status, and user ID.
Details of the configurations of the payment processing apparatus 1, the user terminal 2, and the store terminal 3 will be described below.

[Functional Configuration of Payment Processing Device 1]
FIG. 2 is a diagram showing the functional configuration of the payment processing apparatus 1. As shown in FIG. The payment processing device 1 has a communication unit 11 , a storage unit 12 and a control unit 13 .

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13 . Storage unit 12 stores a payment program that causes control unit 13 to function as issuance request acquisition unit 131 , token transmission unit 132 , payment information reception unit 133 , payment processing unit 134 , and advertisement information transmission unit 135 .

Further, the storage unit 12 associates and stores the payment token generated by the control unit 13 and the user ID acquired from the user terminal 2 . The storage unit 12 also stores an advertisement DB 121 in which a store ID, a product ID for identifying a product included in payment information, or user information, which is information about a user, is associated with each of a plurality of pieces of advertisement information.

FIG. 3 is a diagram showing an example of the advertisement DB 121. As shown in FIG. The advertisement DB 121 is constructed, for example, by a business operator who operates a store corresponding to store information. As shown in FIG. 3, in the advertisement DB 121, it can be confirmed that the advertisement information is associated with the store information, the product ID, and the user information. The advertisement information is, for example, an advertisement image, an advertisement moving image, and an advertisement text to be transmitted to the user terminal 2, but is not limited to this, and may be advertisement data including the advertisement image, the advertisement moving image, and the advertisement text. Further, the advertisement information is, for example, advertisement information regarding a product specified in advance by a business operator who operates a store corresponding to the store information. By doing so, the advertising information desired by the business can be transmitted to the user. Also, the advertisement information may be coupon information.

The store information is, for example, information including a store ID that identifies the store where the store terminal 3 is installed and a business ID as business identification information that identifies the business that operates the store. The user information is, for example, the range of the number of times the user has made code payments and the range of the total amount of code payments.

As shown in FIG. 3, one piece of advertisement information is associated with one piece of store information and one product ID. Store information may be associated with a plurality of product IDs.

The storage unit 12 also stores a payment history DB 122 that indicates the history of user code payments. FIG. 4 is a diagram showing an example of the payment history DB 122. As shown in FIG. As shown in FIG. 4, the code payment history information includes the user ID, the number of code payments made by the user, the average amount when the user made the code payment, and the stores where the user made the code payment. It is information that associates information. The store information of the store where the user made the code payment may be the store information of the store where the user made the code payment relatively frequently.

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

[Functional Configuration of User Terminal 2]
FIG. 5 is a diagram showing the functional configuration of the user terminal 2. As shown in FIG. The user terminal 2 has an operation unit 21 , a communication unit 22 , a display unit 23 , a storage unit 24 and a control unit 25 . The control unit 25 has an operation reception unit 251 , a request transmission unit 252 , a code generation unit 253 and a display control unit 254 .

The operation unit 21 is an operation device that receives user operations, and is, for example, a touch panel provided on the surface of the display unit 23 . The operation unit 21 notifies the operation reception unit 251 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting/receiving data to/from a base station of a mobile phone network. The communication unit 22 inputs the payment token and the like received from the payment processing apparatus 1 to the code generation unit 253 .

The display unit 23 is a display that displays various information. The display unit 23 displays the payment code under the control of the code generation unit 253 .

The storage unit 24 is a storage medium including ROM, RAM, and the like. The storage unit 24 stores programs executed by the control unit 25 . The storage unit 24 stores a program that causes the control unit 25 to function as an operation reception unit 251 , a request transmission unit 252 , a code generation unit 253 and a display control unit 254 . The storage unit 24 also stores a payment token received from the payment processing apparatus 1, a payment code generated based on the payment token, and the like.

The control unit 25 is, for example, a CPU, and functions as an operation reception unit 251 , a request transmission unit 252 , a code generation unit 253 and a display control unit 254 by executing programs stored in the storage unit 24 .

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

When the payment token is transmitted from the payment processing apparatus 1, the code generation unit 253 generates a payment code based on the payment token. The code generator 253 generates a payment code based on, for example, a predetermined rule. The code generation unit 253 causes the display unit 23 to display the generated payment code.
When the display control unit 254 receives the payment completion information indicating that the payment has been completed and the advertisement information from the payment processing apparatus 1 , the display control unit 254 displays these information on the same screen of the display unit 23 .

[Function Configuration of Store Terminal 3]
FIG. 6 is a diagram showing the functional configuration of the store terminal 3. As shown in FIG. The store terminal 3 has an operation unit 31 , a reading unit 32 , a communication unit 33 , a display unit 34 , a storage unit 35 and a control unit 36 .

The operation unit 31 is an operation device that receives user operations, and includes, for example, buttons for the user to select products to purchase, and a touch panel provided on the surface of the display unit 34 .

The reading unit 32 is, for example, a barcode reader and a camera, and reads barcodes attached to products purchased by the user and settlement codes displayed by the user terminal 2 . The reading unit 32 outputs information indicated by the read bar code and payment code to the control unit 36 .

The communication unit 33 is a communication interface for transmitting and receiving data to and from the payment processing apparatus 1, for example. The communication unit 33 transmits the payment token, payment information, privilege target product information, and store ID to the payment processing apparatus 1 under the control of the control unit 36 .

The display unit 34 is a display that displays various information. The display unit 34 displays, for example, the settlement amount.

The storage unit 35 is a storage medium including ROM, RAM, and the like. The storage unit 35 stores programs executed by the control unit 36 . The storage unit 35 stores a program that causes the control unit 36 to function as a payment information generation unit 361 , a token acquisition unit 362 and a payment information transmission unit 363 . The storage unit 35 also stores a product DB that associates product IDs with product prices.

The control unit 36 is a CPU, for example, and functions as a payment information generation unit 361 , a token acquisition unit 362 , and a payment information transmission unit 363 by executing programs stored in the storage unit 35 .

The payment information generation unit 361 identifies one or more products to be paid and generates payment information. Specifically, the payment information generation unit 361 acquires the product ID input by the clerk at the operation unit 31 or the product ID read from the bar code attached to the product by the reading unit 32, thereby obtaining the product ID. Identify the product as a payment target product. The payment information generation unit 361 refers to the product DB stored in the storage unit 35 and identifies the price of the product associated with the acquired product ID. The payment information generation unit 361 acquires one or more product IDs input by the store clerk in the operation unit 31 or product IDs read from barcodes attached to products by the reading unit 32, and calculates the price of the product specified from the product ID. Tally. When the operation unit 31 receives a settlement operation, the payment information generation unit 361 determines the total price of the product as the payment amount. The payment information generation unit 361 generates payment information including the determined payment amount and one or more acquired product IDs.

The token acquisition unit 362 acquires information extracted from the payment code displayed on the user terminal 2 by the reading unit 32 as a payment token.
When the payment information generation unit 361 generates payment information and the token acquisition unit 362 acquires a payment token, the payment information transmission unit 363 transmits the payment token, the payment information, and the shop ID via the communication unit 33. to the payment processing device 1.

[Operation of each part of the control part 13]
Next, the operation of each section of the control section 13 will be described.
The issue request acquisition unit 131 acquires from the user terminal 2 the user ID of the user of the user terminal 2 and an issue request for a payment code for the user of the user terminal 2 to make a payment at a store.

When the issuance request acquisition unit 131 acquires a payment code acquisition request, the token transmission unit 132 generates a payment token for generating a payment code. The token transmission unit 132 causes the storage unit 12 to store the user ID acquired by the issuance request acquisition unit 131 in association with the generated payment token. Also, the token transmission unit 132 transmits the generated payment token to the user terminal 2 that has transmitted the payment code acquisition request.

The payment information receiving unit 133 reads the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmission unit 132, and receives the payment token, the store information, and the user's store information from the store terminal 3. receive a payment request containing payment information relating to the purchase of goods or services in

If the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match, the payment processing unit 134 receives the user ID associated with the payment token and the received payment token. Payment is made based on the store information and payment information included in the payment request.

Specifically, the payment processing unit 134 identifies the user ID stored in association with the payment token in the storage unit 12, and calculates the payment amount indicated by the payment information from the account of the user identified by the user ID. Execute the withdrawal process. The settlement processing unit 134 executes processing for depositing the settlement amount into the account of the store specified by the received store information. The payment processing unit 134 may deposit the amount obtained by subtracting the payment handling fee in the payment processing device 1 from the payment amount to the account of the store. When the settlement of the settlement amount is completed, the settlement processing unit 134 notifies the shop terminal 3 that the payment has been completed. In addition, the payment processing unit 134 causes the storage unit 12 to store the user's purchase history at the store, including the store information and the user ID, in response to the completion of the payment.

The advertisement information transmitting unit 135 transmits the store information received by the payment information receiving unit 133 when the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match. Alternatively, the advertisement information to be presented to the user is acquired based on the payment information or the user ID associated with the payment token received by the payment information receiving unit 133 . When the advertising information transmitting unit 135 acquires advertising information based on the shop information received by the payment information receiving unit 133, the advertising information to be presented to the user is information about a shop different from the shop where the user makes the payment, Acquire information about businesses other than the business that manages the store where payment is made, or advertising information including information about predetermined products or services. When the advertisement information transmission unit 135 acquires the advertisement information based on the payment information received by the payment information reception unit 133 or the user ID associated with the payment token received by the payment information reception unit 133, the user Advertisement information including information about a predetermined store, information about a predetermined business operator, or information about a predetermined product or service is obtained as the advertisement information to be presented to the customer.

Specifically, the advertisement information transmission unit 135 refers to the advertisement DB 121 in which each of the plurality of pieces of advertisement information is associated with the store ID, the product ID included in the payment information, or the user ID, and receives the received store information or payment information. Alternatively, obtain advertisement information associated with user information identified based on the user ID associated with the received payment token.

For example, when acquiring the advertisement information based on the store information, the advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires the advertisement information associated with the company code included in the received store information. By doing so, the advertising information transmission unit 135 can acquire the advertising information desired to be distributed by the business operator who operates the store where the store terminal 3 is installed.

Further, when the advertisement information transmission unit 135 acquires advertisement information based on the user ID associated with the payment token received by the payment information reception unit 133, the advertisement information transmission unit 135 refers to the advertisement DB 121 and the payment history DB 122 to obtain the user ID. Advertisement information may be obtained based on the number of payments, the total payment amount, and store information associated with the . Specifically, the advertisement information transmission unit 135 refers to the payment history DB 122, and determines the number of payments associated with the user ID associated with the payment token received by the payment information reception unit 133 and the total payment amount. Identify store information for average or settled stores. Then, the advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires advertisement information corresponding to the specified number of payments, the average total payment amount, or the shop information of the shop where the payment was made. For example, the advertisement information transmission unit 135 acquires advertisement information corresponding to a specific store or company from users with a large number of payments and users with large balances. By doing so, the advertisement information transmission unit 135 can acquire advertisement information that is effective for the user based on the user's action history.

Further, the advertising information transmitting section 135 may acquire advertising information based on the purchase price of the product or service indicated by the payment information included in the payment request received by the payment information receiving section 133 . For example, the advertisement information transmission unit 135 may refer to the advertisement DB 121 and acquire advertisement information that includes the purchase price of the product or service indicated by the payment information within the range of the total payment amount for code payment. Further, the advertisement information transmitting unit 135 may acquire different advertisement information for high-value purchasers whose payment amount is higher than the first amount and low-value purchasers whose payment amount is lower than the second amount. Only purchasers may obtain specific advertising information (eg, store campaign advertisements). If a plurality of items of advertisement information can be acquired, the advertisement information transmission unit 135 may narrow down the advertisement information to advertisement information corresponding to the store information or product ID included in the payment request. By doing so, the advertisement information transmission unit 135 can acquire advertisement information effective for the user based on the user's purchase amount.

Further, the advertisement information transmission unit 135 may acquire advertisement information based on the purchase status of products or services purchased by the user and by other users who are different from the user. For example, when the advertisement information transmission unit 135 acquires advertisement information based on the purchase status of a product or service purchased by the user, the advertisement DB 121 is referred to, and the advertisement associated with the product ID included in the payment information. Get information. By doing so, the advertisement information transmission unit 135 can acquire the advertisement information corresponding to the product purchased by the user.

In addition, when the advertisement information transmission unit 135 acquires advertisement information based on the purchase status of products or services purchased by other users different from the user, the advertisement information transmission unit 135 specifies other users who have similar attributes to the user. may In this case, the storage unit 12 stores user attribute information in which the user ID is associated with the user's attribute. The advertisement information transmitting unit 135 refers to the user attribute information, and identifies the user ID of another user whose attribute is similar to that of the user whose user ID is associated with the payment token received by the payment information receiving unit 133 . The advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires advertisement information associated with the product ID of the product or service purchased by the user corresponding to the identified other user ID. By doing so, there is a high possibility that the user will also be interested in products purchased by other users who have similar attributes to the user. Therefore, the advertisement information transmission unit 135 can acquire advertisement information that is effective for the user.

Further, the advertisement information transmission unit 135 may acquire advertisement information regarding stores where code settlement by the settlement processing device 1 is possible. For example, the storage unit 12 stores store information and code settlement support information in which store information is associated with information indicating whether or not code settlement by the settlement processing device 1 is possible at the store of the store information. The advertisement information transmission unit 135 refers to the code payment support information and specifies store information of stores that allow code payment by the payment processing device 1 . Then, the advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires advertisement information associated with the specified store information. In this case, the advertisement information transmission unit 135 may narrow down the advertisement information to be acquired based on the business operator ID that constitutes the store information included in the payment request. By doing so, the advertisement information transmitting unit 135 can present the user with the advertisement information about the store where the code payment by the payment processing device 1 is possible, thereby contributing to the popularization of the code payment by the payment processing device 1. be able to.

Also, the advertising information transmitting unit 135 may acquire advertising information about other shops different from the shop based on the position of the shop corresponding to the received shop information. For example, store information and store location information indicating the location of the store information are associated and stored in the storage unit 12 . The advertisement information transmitting unit 135 identifies other shop information existing near the position of the shop information included in the payment request received by the payment information receiving unit 133 . Here, the advertisement information transmission unit 135 may specify other shop information operated by the same business operator as the shop information included in the payment request received by the payment information reception unit 133 . The store information included in the advertisement DB 121 includes store information that includes the same company ID as the store information included in the payment request received by the payment information receiving unit 133 . The advertisement information transmission unit 135 refers to the advertisement DB 121 and obtains a business operator ID included in the store information included in the received payment request and a store ID different from the store ID included in the store information included in the received payment request. is specified as other store information operated by the same business operator as the store information contained in the received payment request.

Then, the advertisement information transmission unit 135 refers to the advertisement DB 121 and specifies the advertisement information associated with the specified store information as the advertisement information corresponding to the store near the position of the store corresponding to the received store information. . By doing so, the advertising information transmitting unit 135 can present to the user the advertising information of other stores operated by the same business operator as the business operator of the shop where the user made the code payment. can.

Also, the advertisement information transmission unit 135 may acquire advertisement information based on the position of the user corresponding to the user ID associated with the payment token. For example, the store information and the store location information indicating the location of the store information are associated and stored in the storage unit 12, and the user ID and the terminal location information indicating the location of the user terminal 2 corresponding to the user ID are stored. and are stored in association with each other. The advertisement information transmission unit 135 refers to the storage unit 12 and acquires the terminal location information associated with the user ID corresponding to the payment token received by the payment information reception unit 133 . The advertisement information transmission unit 135 identifies shop information associated with shop location information indicating a location relatively close to the location indicated by the acquired terminal location information. The advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires advertisement information associated with the specified shop information. By doing so, the advertising information transmission unit 135 can present the user with advertising information corresponding to shops close to the user's position.

The advertisement information transmission unit 135 associates payment completion information indicating that payment has been completed with the acquired advertisement information, and transmits the payment completion information and the advertisement information to the user terminal 2. display on the screen. By doing so, the advertisement information transmission unit 135 can increase the possibility that the user will visually recognize the advertisement information.

In addition, the advertisement information transmission unit 135 causes the storage unit 12 to store the transmission history of the advertisement information to the user terminal 2, including the acquired advertisement information and the store information associated with the advertisement information in the advertisement DB 121. can be Then, the control unit 13 of the payment processing device 1 functions as an effect measurement unit, and the user's purchase history at the store, including the store information and the user ID, and the advertisement information stored in the storage unit 12 by the payment processing unit 134 Based on the transmission history stored in the storage unit 12 by the transmission unit 135, the effectiveness of the advertisement information transmitted by the advertisement information transmission unit 135 may be measured.

[Operation sequence]
FIG. 7 is an operation sequence diagram of the settlement system S. As shown in FIG.
The sequence diagram shown in FIG. 7 starts when the user performs a payment code display operation on the user terminal 2 (S1). The request transmission unit 252 transmits the user ID and a payment code acquisition request to the payment processing apparatus 1 (S2).

The issue request acquisition unit 131 of the payment processing apparatus 1 acquires the user ID and the issue request for the payment code from the user terminal 2 . When the token transmission unit 132 of the payment processing apparatus 1 acquires the user ID and the payment code acquisition request, it generates a payment token for generating the payment code (S3). The token transmission unit 132 associates the generated payment token with the user ID and stores them in the storage unit 12 (S4). The token transmission unit 132 transmits the generated payment token to the user terminal 2 that has transmitted the payment code acquisition request (S5).

The code generation unit 253 of the user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on the display unit 23 (S6). The user presents the settlement code displayed on the user terminal 2 at the store, and the reading unit 32 of the store terminal 3 reads the settlement code (S7).

In addition, the payment information generation unit 361 of the store terminal 3 identifies the price of the product based on the product ID input by the clerk at the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, Generate payment information (S8). The payment information transmission unit 363 of the store terminal 3 transmits the payment information generated in S8, the payment token included in the payment code read in S7, and the store information to the payment processing device 1 (S9). .

Subsequently, the payment information receiving unit 133 receives a payment request including the payment token, the shop information, and the payment information from the shop terminal 3 . If the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 134 retrieves the user ID associated with the payment token and the store included in the received payment request. Payment processing is performed based on the information and payment information (S10).

When the payment token stored in the storage unit 12 and the received payment token match, the advertisement information transmission unit 135 transmits the store information or payment information received by the payment information reception unit 133, or the payment token. Advertisement information to be presented to the user is acquired based on the user ID associated with the payment token received by the information receiving unit 133 (S11). Then, the advertisement information transmission unit 135 transmits payment completion information indicating that the payment has been completed and the acquired advertisement information to the user terminal 2 (S12).
The display control unit 254 of the user terminal 2 causes the display unit 23 to display the payment completion information and the advertisement information received from the payment processing device 1 (S13).

[Modification 1]
In the above description, the payment processing apparatus 1 causes the payment completion information and the advertisement information to be displayed on the same screen of the user terminal 2, but the present invention is not limited to this. The payment processing apparatus 1 may display advertisement information when displaying the payment code on the user terminal 2 . In this case, the advertisement information transmission unit 135 acquires the advertisement information based on the user information specified by the user ID acquired by the issuance request acquisition unit 131 together with the payment code acquisition request, and sends the advertisement information together with the payment token. may be transmitted to the user terminal 2 and displayed on the user terminal 2 .

[Modification 2]
Moreover, although the payment processing apparatus 1 acquires the advertisement information at the timing of receiving the payment request, it is not limited to this. The payment processing apparatus 1 refers to the advertisement DB 121 at the timing when the issuance request acquisition unit 131 acquires the user ID along with the payment code acquisition request, and acquires one or more pieces of advertisement information based on the user information specified by the user ID. You may Then, at the timing of receiving the payment request, the payment processing apparatus 1 acquires advertisement information to be transmitted to the user terminal 2 from the acquired advertisement information based on the store information or the payment information included in the payment request. good too.

[Effects of payment system S]
As described above, when the payment processing apparatus 1 acquires a user ID and a payment code issuance request for the user to make a payment at a store from the user terminal 2, the payment processing apparatus 1 generates the user ID and the payment code. The payment token is stored in the storage unit 12 in association with the payment token for the payment, and the payment token is transmitted to the user terminal 2.例文帳に追加The payment processing device 1 reads the payment code displayed by the user terminal 2 based on the transmitted payment token, and receives the payment token, the shop information for identifying the shop, and the user's shop information from the shop terminal 3. Receives payment information related to the purchase of a product or service, and receives store information or payment information or a payment token when the payment token stored in the storage unit 12 matches the received payment token Advertisement information to be presented to the user is obtained based on the user ID associated with the , and transmitted to the user terminal 2 . By doing so, the payment processing apparatus 1 can present information to the user according to the user's purchase status.

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

1 payment processing device 2 user terminal 3 store terminal 11 communication unit 12 storage unit 13 control unit 21 operation unit 22 communication unit 23 display unit 24 storage unit 25 control unit 31 operation unit 32 reading unit 33 communication unit 34 display unit 35 storage unit 36 Control unit 121 Advertisement DB
122 Payment History DB
131 issuance request acquisition unit 132 token transmission unit 133 payment information acquisition unit 134 payment processing unit 135 advertisement information transmission unit 251 operation reception unit 252 request transmission unit 253 code generation unit 254 display control unit 361 payment information generation unit 362 token generation unit 363 payment Information transmitter

Claims (13)

the computer runs
a step of obtaining from a user's terminal a user identifier for identifying the user and a payment code issuance request for the user to make a payment at a store;
a storage unit that stores the user identifier in association with the number of payments made by the user corresponding to the user identifier, the total payment amount of the payment, or the shop information of the shop where the payment was made, and storing the user identifier and , a step of associating and storing the payment data corresponding to the payment code;
Referring to the storage unit, based on the number of payments, the total payment amount, and the shop information associated with the acquired user identifier, information on a predetermined store, information on a predetermined business operator, or predetermined product or obtaining presentation information including information about the service;
a step of transmitting the acquired presentation information and the payment data to the terminal;
From the store terminal of the store that read the payment code displayed by the terminal based on the payment data, the payment data, store information for identifying the store, and the product or product at the store of the user receiving payment information for the purchase of the service;
When the payment data stored in the storage unit and the payment data received match, payment is performed based on the user identifier associated with the payment data and the payment information received. the steps to take; and
An information processing method comprising: the computer runs
a step of acquiring from a user's terminal a user identifier for identifying the user and a payment code issuance request for the user to make a payment at a store;
a step of associating the acquired user identifier with payment data corresponding to the payment code and storing them in a storage unit;
Based on the purchase status of products or services purchased by a user different from the user indicated by the acquired user identifier, information on a predetermined store, information on a predetermined business operator, or information on a predetermined product or service obtaining presentation information including
a step of transmitting the acquired presentation information and the payment data to the terminal;
From the store terminal of the store that read the payment code displayed by the terminal based on the payment data, the payment data, the store information for identifying the store, and the product or product at the store of the user receiving payment information for the purchase of the service;
When the payment data stored in the storage unit and the payment data received match, payment is performed based on the user identifier associated with the payment data and the payment information received. the steps to take; and
An information processing method comprising: In the step of acquiring the presentation information, the computer refers to user information that associates the user identifier with attribute information indicating attributes of the user corresponding to the user identifier, and corresponds to the received user identifier. Identifying other users who have similar attributes to the user;
The information processing method according to claim 2. the computer runs
a step of acquiring from a user's terminal a user identifier for identifying the user and a payment code issuance request for the user to make a payment at a store;
a step of associating the acquired user identifier with payment data corresponding to the payment code and storing them in a storage unit;
a step of acquiring, as presentation information, advertisement information associated with the user information specified based on the acquired user identifier, the advertisement information relating to a store that accepts code payments;
a step of transmitting the presentation information and the payment data to the terminal so that the presentation information is displayed while the payment code is displayed on the terminal of the user;
From the store terminal of the store that read the payment code displayed by the terminal based on the payment data, the payment data, the store information for identifying the store, and the product or product at the store of the user receiving payment information for the purchase of the service;
When the payment data stored in the storage unit and the payment data received match, payment is performed based on the user identifier associated with the payment data and the payment information received. the steps to take; and
An information processing method comprising: the computer runs
a step of acquiring from a user's terminal a user identifier for identifying the user and a payment code issuance request for the user to make a payment at a store;
a step of associating the acquired user identifier with payment data corresponding to the payment code and storing them in a storage unit;
Advertising information associated with the user information specified based on the acquired user identifier, wherein the advertising information related to the product specified in advance by the operator who operates the store where the user purchased the product or service is presented information. a step of obtaining as
a step of transmitting the presentation information and the payment data to the terminal so that the presentation information is displayed while the payment code is displayed on the terminal of the user;
From the store terminal of the store that read the payment code displayed by the terminal based on the payment data, the payment data, the store information for identifying the store, and the product or product at the store of the user receiving payment information for the purchase of the service;
When the payment data stored in the storage unit and the payment data received match, payment is performed based on the user identifier associated with the payment data and the payment information received. the steps to take; and
An information processing method comprising: In the step of acquiring the presentation information, the computer refers to a database in which each of the plurality of presentation information is associated with user information as information related to the user, and the user identified based on the acquired user identifier. obtaining the presentation information associated with the information;
The information processing method according to any one of claims 1 to 5. In the step of acquiring the presentation information, the computer acquires coupon information as the presentation information.
The information processing method according to any one of claims 1 to 6. a transmission unit for transmitting a user identifier for identifying a user and a payment code issuance request for the user to make a payment at a store to an information processing device;
payment data corresponding to the payment code, the number of payments made by the user corresponding to the user identifier, the total payment amount of the payment, or an acquisition unit that acquires presentation information including information about a predetermined store, information about a predetermined business operator, or information about a predetermined product or service based on the store information of the store where the payment was made;
a display control unit that causes a display unit to display the payment code based on the payment data acquired by the acquisition unit and the presentation information acquired by the acquisition unit;
terminal with a transmission unit for transmitting a user identifier for identifying a user and a payment code issuance request for the user to make a payment at a store to an information processing device;
From the information processing device, payment data corresponding to the payment code and information on a predetermined store based on the purchase status of goods or services purchased by a user different from the user indicated by the user identifier, a predetermined an acquisition unit that acquires presentation information including information on the business operator of the
a display control unit that causes a display unit to display the payment code based on the payment data acquired by the acquisition unit and the presentation information acquired by the acquisition unit;
terminal with a transmission unit for transmitting a user identifier for identifying a user and a payment code issuance request for the user to make a payment at a store to an information processing device;
Payment data corresponding to the payment code and advertising information associated with user information specified based on the user identifier from the information processing device, advertising information relating to a store where code payment is possible. an acquisition unit that acquires certain presentation information;
causing the display unit to display the payment code based on the payment data acquired by the acquisition unit, and displaying the presentation information acquired by the acquisition unit while displaying the payment code on the display unit; a display control unit for displaying;
terminal with a transmission unit for transmitting a user identifier for identifying a user and a payment code issuance request for the user to make a payment at a store to an information processing device;
Payment data corresponding to the payment code and advertisement information associated with user information specified based on the user identifier from the information processing device, the shop where the user purchased the product or service an acquisition unit for presentation information, which is advertisement information about a product specified in advance by a business operator who operates a
causing the display unit to display the payment code based on the payment data acquired by the acquisition unit, and displaying the presentation information acquired by the acquisition unit while displaying the payment code on the display unit; a display control unit for displaying;
terminal with The display control unit causes the display unit to display one screen including the payment code and the presentation information.
A terminal according to any one of claims 8 to 11. The acquisition unit acquires coupon information as the presentation information,
A terminal according to any one of claims 8-12.

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