JP2023125238A - Information processing method - Google Patents

Abstract

To determine compensation for customer transfer related to offering a privilege.SOLUTION: A settlement processing apparatus 1 includes: request receiving unit 132 and a settlement information receiving unit 134 configured to acquire the amount to be settled that corresponds to a purchase of a user purchasing a commodity in a store, and a user ID for identifying the user; a settlement processing unit 135 which specifies a reference amount which is larger than the acquired amount to be settled and to be billed to the user, calculates a difference to be obtained by subtracting the amount to be settled from the specified reference amount, and accumulates, on condition that payment processing for the reference amount to be billed to the user has been executed, the calculated difference in association with the acquired user ID; and a privilege offering unit 136 which offers a privilege to the user when the sum of one or more differences accumulated in association with the user ID indicating the user satisfies a predetermined condition.SELECTED DRAWING: Figure 2

Description

The present invention relates to an information processing method.

Conventionally, electronic payments using electronic currency have been widespread (for example, see Patent Document 1).

JP2021-056777A

When making payments using electronic currency, there is a problem in that it is difficult for users to keep track of the amount spent, since payments can be made easily. For this reason, some users want to make it easier to manage their expenses.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a method that allows users to easily manage their expenses.

An information processing method according to a first aspect of the present invention includes the step of acquiring a payment amount corresponding to a user's purchase of a product at a store and user identification information for identifying the user, which is executed by a computer; identifying a standard amount to be charged to the user that is greater than the acquired payment amount; calculating a difference obtained by subtracting the payment amount from the identified standard amount; a step of accumulating the calculated difference in association with the acquired user identification information, on the condition that payment processing for the standard amount to be billed has been executed; and a step of accumulating the calculated difference in association with the user identification information indicating the user; and providing a benefit to the user when the total amount of one or more of the differences satisfies a predetermined condition.

The information processing method further includes a step of storing the user identification information and a reference unit amount, which is a unit amount used for calculating the reference amount, in a storage unit in association with each other, which is executed by the computer; In the step of specifying, the computer selects the smallest amount that is equal to or greater than the payment amount from among the amounts corresponding to multiples of the standard unit amount stored in the storage unit in association with the user identification information, as the standard. It may be specified as an amount.

In the step of storing the standard unit amount, the computer receives the standard unit amount from a user terminal used by the user, associates the user identification information of the user with the standard unit amount, and stores the standard unit amount in the storage unit. It may be stored in

The information processing method is configured to receive a selection of a benefit to be given for the total amount of the difference, which is executed by the computer, and to receive the user identification information of the user and benefit identification information for identifying the received benefit. further comprising the step of storing the benefit identification information in association with the benefit identification information, information indicating the content of the benefit indicated by the benefit identification information, and the predetermined condition corresponding to the benefit. In the step of storing the condition information in association with the condition information and granting the benefit, the computer identifies the condition information corresponding to the benefit identification information that is associated with the user identification information, When the total amount of the difference accumulated in association satisfies the predetermined condition indicated by the specified condition information, a privilege may be given to the user.

The predetermined condition is that the total amount of the difference is equal to or more than a predetermined amount, and in the step of granting the benefit, the computer determines that the total amount of the difference accumulated in association with the user identification information is , a benefit may be given to the user on the condition that the amount is equal to or greater than the predetermined amount.

In the step of granting the benefit, the computer grants the benefit corresponding to the predetermined amount on the condition that the total amount of the differences accumulated in association with the user identification information is equal to or greater than the predetermined amount. It may be given to the user.

In the step of granting the benefit, the computer may grant the benefit to the user and may subtract an amount corresponding to the benefit from the total amount of the accumulated difference.
In the step of accumulating, the computer may accumulate the difference amount, which is restricted from being used for purposes other than granting the benefit, in association with the acquired user identification information.
In the step of providing the benefit, the computer may provide the user with the benefit having a monetary value greater than the amount deducted from the total amount of the difference.

In the step of granting the benefit, when the total amount of the difference accumulated in association with the user identification information satisfies a predetermined condition, the computer performs an operation related to granting the benefit from a user terminal used by the user. The privilege may be granted to the user without receiving the benefit.

In the acquiring step, the computer acquires the payment amount, the user identification information, and store identification information for identifying the store or a business operator operating the store, and in the accumulating step, The computer stores the calculated difference in association with the acquired user identification information and the acquired store identification information, and stores the calculated difference in association with the user identification information and the store identification information indicating the user. When the total amount of the difference satisfies a predetermined condition, the privilege corresponding to the store indicated by the store identification information may be granted to the user.

The information processing method is executed by the computer and receives benefit information indicating a benefit selected by the user from among a plurality of benefits from a user terminal used by the user, thereby identifying the user identification corresponding to the user. The computer further includes the step of associating information with the benefit information and storing it in a storage unit, and in the step of granting the benefit, the computer determines that the total amount of the difference accumulated in association with the user identification information is a predetermined amount. If the condition is satisfied, a benefit indicated by the benefit information stored in the storage unit in association with the user identification information may be given to the user.

In the step of granting the benefit, when the total amount of the difference accumulated in association with the user identification information indicating the user satisfies a predetermined condition, the computer selects a reward selected from a plurality of benefits by lottery. A privilege may be given to the user.

The information processing method is executed by the computer, and when a request for obtaining the total amount of the accumulated differences is obtained from a user terminal used by the user, the information processing method is executed by the computer, and when a request for obtaining the total amount of the accumulated differences is obtained from a user terminal used by the user, the information processing method is executed by the computer. The method may further include the step of transmitting information indicating the total amount of money to the user terminal.

The predetermined condition is that the total amount of the difference is greater than or equal to a predetermined amount, and in the step of transmitting information indicating the total amount of the difference, the computer transmits information indicating the total amount of the difference; Information indicating a ratio of the total amount of the difference to the predetermined amount may be transmitted to the user terminal.

In the step of acquiring the payment amount, the computer acquires the payment amount corresponding to the payment made by the predetermined payment method, and in the storing step, the computer acquires the payment amount corresponding to the payment made by the predetermined payment method. The difference calculated based on the payment amount corresponding to the payment amount may be stored in association with the acquired user identification information.

In the step of granting the benefit, the computer grants the benefit to the user, subtracts a portion of the amount corresponding to the benefit from the accumulated total difference, and calculates the information. The processing method further includes the step of specifying the remaining amount of the amount corresponding to the benefit as an amount to be borne by a business operator providing a payment service related to the predetermined payment method, which is executed by the computer. Good too.

Advantageous Effects of Invention According to the present invention, it is possible to easily manage a user's expenditures.

1 is a diagram showing an overview of a payment system. It is a diagram showing a functional configuration of a payment processing device. It is a figure showing an example of setting information. It is a figure which shows an example of difference management information. It is a figure showing an example of privilege management information. It is a diagram showing the functional configuration of a user terminal. It is a diagram showing the functional configuration of a store terminal. FIG. 3 is an operation sequence diagram of the payment system. FIG. 2 is an operation sequence diagram of a payment system compatible with MPM code payment.

[Overview of payment system S]
FIG. 1 is a diagram showing an overview of the payment system S. The payment system S is a system that performs payment in response to receiving a payment request from a user terminal 2 owned by the user or a store terminal 3 used by the store when the user purchases a product or service at a store. .

The payment system S includes a payment processing device 1 as an information processing device, a user terminal 2, and a store terminal 3. The payment processing device 1 is a server that performs payment of the purchase amount. The user terminal 2 is an information terminal used by a user, and is, for example, a smartphone, a tablet, or a personal computer. The store terminal 3 is, for example, a POS terminal.

The flow until payment is completed will be described below with reference to FIG. Note that in the following explanation, products or services are collectively referred to as products. First, the user purchases a product at a store. The payment processing device 1 receives a user ID for identifying the user, a store ID for identifying the store, and a user ID from at least one of the user terminal 2 and the store terminal 3 in accordance with a predetermined payment method. payment information including the payment amount regarding the purchase of a product at the store ((1) in FIG. 1). The user ID is, for example, an ID given to a user by a payment provider that provides payment services related to the payment processing device 1. The store ID is, for example, an ID given to a store by a payment provider. The store ID identifies the store, but may also be information for identifying the store operator or the business operator of the store.

The predetermined payment method is, for example, a payment method using a code. Payment methods using codes include a CPM (Consumer Presented Mode) payment method and an MPM (Merchant Presented Mode) payment method. The CPM method is a method in which a payment code such as a two-dimensional barcode is displayed on the user terminal 2, and the store makes the payment when the payment code is read. The MPM method is a method in which a payment code is presented at a store and the payment is made in response to the payment code being read by the user. In the following explanation, a payment method using a code is referred to as a code payment.

Upon receiving the user ID, store ID, and payment information, the payment processing device 1 identifies a reference amount to be charged to the user that is greater than the payment amount included in the payment information ((2 in FIG. 1). )). The standard amount is the smallest amount that is greater than or equal to the payment amount among the amounts that correspond to multiples of the standard unit amount. The payment processing device 1 calculates the difference by subtracting the payment amount included in the received payment information from the specified reference amount ((3) in FIG. 1).

The payment processing device 1 performs payment based on the received user ID, store ID, calculated difference, and payment amount ((4) in FIG. 1). For example, the payment processing device 1 subtracts the standard amount from the balance of the user's account associated with the user ID, and deposits the payment amount into the balance of the account associated with the store ID. As a result, the user's expenditure associated with the purchase of the product is a multiple of the standard unit amount, making it easier for the user to manage the expenditure.

The payment processing device 1 stores the calculated difference amount in association with the user ID. As a result, the difference is calculated every time a payment is made, and the total amount of the difference associated with the user ID increases. The payment processing device 1 grants a benefit when the total amount of differences accumulated in association with the user ID satisfies a predetermined condition ((5) in FIG. 1). In this way, since a benefit is provided according to the difference in amount accumulated in the user ID, the user can accumulate the difference in amount with the aim of being provided with a benefit.

The details of the configurations of the payment processing device 1, user terminal 2, and store terminal 3 will be described below. Note that the following description will be made assuming that the predetermined payment method is CPM code payment.

[Functional configuration of payment processing device 1]
FIG. 2 is a diagram showing the functional configuration of the payment processing device 1. As shown in FIG. The payment processing device 1 includes a communication section 11, a storage section 12, and a control section 13.

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.
The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13. The storage unit 12 is a payment system that causes the control unit 13 to function as a setting unit 131, a request receiving unit 132, a token transmitting unit 133, a payment information receiving unit 134, a payment processing unit 135, a privilege granting unit 136, and a notification unit 137. Memorize the program.

The storage unit 12 also stores setting information indicating a reference unit amount for each user. FIG. 3 is a diagram showing an example of setting information. As shown in FIG. 3, the setting information is information that associates a user ID, a standard unit amount, and a benefit ID for identifying a benefit specified by the user. Here, the standard unit amount is an amount such as 10 yen, 50 yen, and 100 yen, for which the relatively small numbers do not change even when multiplied, or the changes in the small numbers are small. .

The storage unit 12 also stores difference management information for managing the total amount of the difference. FIG. 4 is a diagram illustrating an example of difference management information. As shown in FIG. 4, the difference management information is information that associates the user ID and the total amount of the difference. The difference management information includes difference detail information, which is information that associates the user ID of the user, the payment time when each of the multiple payments corresponding to the user was made, and the difference calculated for each of the multiple payments. may be included.

Furthermore, the storage unit 12 stores benefit management information that manages benefits that are given for the total amount of accumulated differences. FIG. 5 is a diagram showing an example of privilege management information. As shown in FIG. 5, the benefit management information is information that associates the benefit ID of the benefit, benefit information indicating the content of the benefit, and condition information indicating the granting conditions under which the benefit is granted.

The benefit is, for example, a product provided at the store, a predetermined refund amount given to the user after payment, or points that the user can use at the store or the like. Note that the benefit may be a predetermined discount amount on the payment amount corresponding to the payment at the store. Here, the predetermined condition for granting the benefit indicated by the condition information is, for example, that the total amount of the difference is greater than or equal to a predetermined amount. Further, it is assumed that the privilege has a monetary value of a predetermined amount or more.

For example, if the user selects to be granted a benefit with benefit ID "T001", the condition for granting the benefit associated with benefit ID "T001" is "total amount of difference ≧ 1000 yen" . In this case, if the total amount of difference accumulated corresponding to the user is 1000 yen or more, in exchange for 1000 yen of the total difference amount, a monetary value of 1000 yen or more will be given as a benefit. 1100 points are awarded to the user.

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 the setting unit 131, the request receiving unit 132, the token transmitting unit 133, the payment information receiving unit 134, the payment processing unit 135, and the benefit granting unit. 136 and a notification section 137. The details of the operation of each part of the control section 13 will be described later.

[Functional configuration of user terminal 2]
FIG. 6 is a diagram showing the functional configuration of the user terminal 2. As shown in FIG. The user terminal 2 includes an operation section 21 , a communication section 22 , a display section 23 , a storage section 24 , and a control section 25 . The control section 25 includes an operation reception section 251 , a request transmission section 252 , a code generation section 253 , and a display control section 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 and receiving data with a base station of a mobile phone network. The communication unit 22 inputs the payment token, which is the payment data received from the payment processing device 1, to the code generation unit 253.
The display unit 23 is a display that displays various information. The display section 23 displays the payment code under the control of the code generation section 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 the payment token received from the payment processing device 1, the 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 a program 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 . When the specified operation content is an operation for displaying a payment code on the user terminal 2, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. The request transmitting unit 252 transmits the user ID and a payment code issuance request to the payment processing device 1 via the communication unit 22 .

When the payment token is transmitted from the payment processing device 1, the code generation unit 253 generates a payment code based on the payment token. The code generation unit 253 generates a payment code based on, for example, predetermined rules.

The display control unit 254 causes the display unit 23 to display the payment code generated by the code generation unit 253. When the display control unit 254 receives payment completion information indicating that the payment has been completed from the payment processing device 1, the display control unit 254 causes the display unit 23 to display the payment completion information.

[Functional configuration of store terminal 3]
FIG. 7 is a diagram showing the functional configuration of the store terminal 3. The store terminal 3 includes an operation section 31 , a reading section 32 , a communication section 33 , a display section 34 , a storage section 35 , and a control section 36 .

The operation unit 31 is an operation device that receives user operations, and is, for example, a button for the user to select a product to purchase, or 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 a barcode attached to a product purchased by the user or a payment code displayed by the user terminal 2. The reading unit 32 outputs information indicated by the read barcode and payment code to the control unit 36.

The communication unit 33 is, for example, a communication interface for transmitting and receiving data to and from the payment processing device 1. The communication unit 33 transmits a payment request including a payment token and payment information to the payment processing device 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 payment 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 in which product IDs and product prices are associated.

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

The payment information generation unit 361 identifies one or more products to be paid for and generates payment information. Specifically, the payment information generation unit 361 obtains the product ID input by the store clerk in the operation unit 31 or the product ID read by the reading unit 32 from the barcode attached to the product. Identify the product as the product for payment. The payment information generation unit 361 refers to the product DB stored in the storage unit 35, specifies the price of the product associated with the obtained product ID, and totals the prices of the specified products. When the payment information generation unit 361 receives a payment operation on the operation unit 31, the payment information generation unit 361 determines the totaled product price as the payment amount.

The payment information generation unit 361 generates payment information including the determined payment amount, the read product ID, a store ID for identifying the store, and payment time information indicating the current time as the payment time. Here, the payment time information is not limited to the current time, but may be, for example, time information indicating the time when the payment code is read.

The token acquisition unit 362 acquires information extracted from the payment code as a payment token by the reading unit 32 reading the payment code displayed on the user terminal 2.
When the payment information generation unit 361 generates payment information and the token acquisition unit 362 acquires the payment token, the payment information transmission unit 363 sends a message containing the payment token and the payment information via the communication unit 33. A payment request is sent to the payment processing device 1.

[Operation of each part of the control unit 13]
Next, the operation of each part of the control section 13 will be explained.
The setting unit 131 receives the standard unit amount from the user terminal 2 used by the user. For example, in response to receiving a request to set a standard unit amount from the user terminal 2, the setting unit 131 displays a plurality of standard unit amounts on the user terminal 2, and selects one of the plurality of standard unit amounts. accept. When the setting unit 131 receives the selection of the standard unit amount from the user terminal 2, the setting unit 131 associates the user ID of the user with the received standard unit amount and stores it in the storage unit 12 as part of the setting information.

Further, the setting unit 131 receives from the user terminal 2 the selection of a benefit to be provided for the total amount of the difference. For example, in response to receiving a privilege selection request from the user terminal 2, the setting unit 131 selects the contents of a plurality of privileges and condition information included in the privilege management information stored in the storage unit 12. The award conditions shown in FIG. When the setting unit 131 receives a selection of a benefit from the user terminal 2, the setting unit 131 stores the user ID of the user and a benefit ID for identifying the received benefit in the storage unit 12 in association with each other. By doing so, the user can select the benefit that he/she desires from among the plurality of benefits as the benefit that will be provided according to the total amount of the difference.

The request receiving unit 132 receives from the user terminal 2 the user ID of the user of the user terminal 2 and a request for issuance of a payment code for the user to make payment at the store.
When the request receiving unit 132 receives a payment code issuance request, the token transmitting unit 133 transmits a payment token to the user terminal 2 for generating a payment code corresponding to the user ID received along with the issuance request. . Specifically, first, when the request receiving unit 132 receives a request for issuance of a payment code, the token transmitter 133 generates a payment token. Subsequently, the token transmitting unit 133 associates the user ID received by the request receiving unit 132 with the generated payment token and stores them in the storage unit 12. The token transmitter 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request.

The payment information receiving unit 134 receives a code payment as a predetermined payment method from the store terminal 3 that has read the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmitting unit 133. A payment request is received that includes the payment token extracted from the payment code, the store ID, and payment information corresponding to the payment for purchasing a product at the user's store. The payment information includes the payment amount corresponding to the purchase of the product at the user's store.

When the payment token included in the received payment request is stored in the storage unit 12, the payment processing unit 135 stores the store ID and payment information included in the received payment request in association with the payment token in the storage unit 12. Payment is made based on the user ID received from the user terminal 2, which is stored in the user ID.

Specifically, first, when the payment information receiving unit 134 receives a payment request, the payment processing unit 135 determines whether a payment token that matches the payment token included in the payment request is stored in the storage unit 12. Determine whether or not. When the payment processing unit 135 determines that a matching payment token is stored in the storage unit 12, the payment processing unit 135 identifies the user ID stored in the storage unit 12 in association with the payment token.

The payment processing unit 135 specifies a reference amount to be charged to the user indicated by the specified user ID, which is greater than the payment amount included in the payment information received from the store terminal 3. For example, the payment processing unit 135 refers to the setting information stored in the storage unit 12 and identifies the reference unit amount associated with the identified user ID. The payment processing unit 135 specifies the smallest amount, which is equal to or greater than the payment amount, as the standard amount among the amounts corresponding to multiples of the specified standard unit amount.

For example, assume that the payment amount corresponding to a user is 473 yen and the standard unit amount of the user is 100 yen. In this case, the payment processing unit 135 specifies 500 yen as the standard amount. Further, the payment processing unit 135 calculates the difference amount obtained by subtracting the payment amount from the specified reference amount. For example, if the payment amount corresponding to a user is 473 yen and the standard unit amount of the user is 100 yen, the payment processing unit 135 subtracts 473 yen from the standard amount of 500 yen, and the difference is 27 yen. Calculated as

When the payment processing unit 135 specifies the standard amount, it executes a payment process to debit the standard amount from the electronic currency account of the user corresponding to the specified user ID. Here, the payment processing unit 135 executes the process of withdrawing the standard amount from the user's electronic account as the payment process, but the present invention is not limited to this. For example, if the user selects a payment method using a credit card instead of debiting an electronic account, the payment processing unit 135 sends the standard amount to the credit card company as payment processing. A request for pre-approval of payment (authorization) may be made. In this case, the payment process may be completed when approval is received from the credit card company.

The payment processing unit 135 executes a process of depositing an amount corresponding to the payment amount included in the received payment request into the account of the store specified by the store ID included in the payment information. For example, the payment processing unit 135 calculates the amount obtained by subtracting the payment fee corresponding to the payment service from the payment amount as the store receipt amount, and transfers the calculated amount to the store account specified by the store ID included in the payment information. Execute the process to deposit the amount received at the store. Note that the payment processing unit 135 sums up the store receipt amount calculated in a predetermined period (for example, one month) at predetermined time intervals (for example, one month), and calculates the total amount of store receipt amount specified by the store ID. You may deposit the money all at once into the account of the store.

The payment processing unit 135 stores the calculated difference in association with the specified user ID, on the condition that the payment process for the standard amount charged to the user has been executed. The payment processing unit 135 updates the total amount of the difference in the difference management information by adding the calculated difference to the total amount of the difference associated with the specified user ID. Here, the payment processing unit 135 may store the difference calculated based on the payment amount corresponding to code payment, which is a predetermined payment method, in association with the user ID. By doing this, the user will make a payment using a predetermined payment method in order to accumulate the difference. Therefore, the payment processing device 1 can encourage users to use a predetermined payment method.

Further, the payment processing unit 135 may accumulate the difference amount, which is restricted from being used by the user for a purpose other than granting a benefit, in association with the acquired user ID. For example, the total amount of the difference may not be available to the user other than being deducted in response to the granting of benefits. By doing this, the payment processing device 1 can prevent the user from increasing the number of payments in which a difference occurs because the user makes a payment in order to obtain a benefit instead of the total amount of the accumulated difference. can.

The payment processing unit 135 transmits payment completion information indicating that the payment has been completed to the user terminal 2 in response to completion of the process of debiting the standard amount from the user's account or depositing the amount received at the store to the store's account. and notify the store terminal 3.

The benefit granting unit 136 grants a benefit to the user indicated by the specified user ID when the total amount of one or more differences accumulated in association with the specified user ID satisfies a predetermined condition. For example, the benefit granting unit 136 refers to the benefit management information and difference management information stored in the storage unit 12, and specifies condition information corresponding to the benefit ID associated with the specified user ID. Then, the benefit granting unit 136 grants a benefit to the user when the total amount of the difference accumulated in association with the specified user ID in the difference management information satisfies a predetermined condition indicated by the specified condition information.

Specifically, the benefit granting unit 136 provides, on the condition that the total amount of the difference is greater than or equal to a predetermined amount indicated by a predetermined condition, the benefit award associated with the condition information in the difference management information. A privilege corresponding to the predetermined amount and having a monetary value greater than the amount deducted from the total amount of the difference is given to the user. By doing this, the user attempts to obtain a benefit with a monetary value greater than the total amount of the difference, increases the number of payments that result in a difference, and increases the accumulated amount of the total amount of the difference. Therefore, it can contribute to payment providers and stores.

When the total amount of the difference satisfies a predetermined condition indicated by the specified condition information, the benefit granting unit 136 grants the benefit to the user without receiving any operation related to granting the benefit from the user terminal 2. By doing so, the user can automatically receive a benefit when the total amount of the difference is equal to or greater than a predetermined amount.

Further, when the content of the benefit associated with the condition information specified in the price difference management information is determined by a lottery, the benefit granting unit 136 selects one of the plurality of benefits by performing a lottery process. Then, the benefit granting unit 136 grants the user the benefit selected by lottery. For example, when the benefit ID associated with the specified user ID is "T003", the content of the benefit is a lottery from any of products A, B, and C, as shown in FIG. In this case, the benefit granting unit 136 selects one of the products A, B, and C by performing a lottery process, and grants the selected benefit to the user. The benefit granting unit 136 may cause the user terminal 2 to display a video showing a lottery such as roulette or lottery being held.

Further, the benefit granting unit 136 subtracts the amount corresponding to the benefit, that is, a predetermined amount, from the total amount of the difference accumulated in association with the specified user ID. As a result, a predetermined amount of the accumulated total amount of difference will be exchanged for the award.

Note that, although the benefit granting unit 136 deducts a predetermined amount from the total amount of differences accumulated in association with the specified user ID, the present invention is not limited to this. The benefit granting unit 136 may subtract a part of the predetermined amount from the total difference accumulated in association with the specified user ID. Then, the benefit granting unit 136 specifies the remaining amount of the predetermined amount as the burden amount to be borne by the business operator that provides the payment service related to the predetermined payment method, and transfers the burden amount to the business operator. You may also request for payment. By doing this, the amount to be deducted from the total amount of difference accumulated in association with the user ID is reduced, and the user tries to obtain a benefit by newly accumulating the difference. Therefore, the payment processing device 1 can increase the number of times a user purchases products at a store.

When the notification unit 137 receives a request to obtain the total amount of the accumulated difference from the user terminal 2, it transmits information indicating the total amount of the difference associated with the user ID of the user to the user terminal 2. Here, the request to obtain the total difference amount includes the user ID of the user of the user terminal 2. When the notification unit 137 obtains the request for obtaining the total amount of the difference, the notification unit 137 informs the total amount of the difference stored in association with the user ID included in the acquisition request in the difference management information stored in the storage unit 12. Identify. Then, the notification unit 137 transmits information indicating the total amount of the specified difference to the user terminal 2.

The notification unit 137 refers to the setting information and benefit management information, specifies condition information corresponding to the benefit ID associated with the user ID, and specifies a predetermined amount corresponding to the condition for granting the benefit indicated by the condition information. You may. Then, the notification unit 137 may transmit to the user terminal 2 the total amount of the specified difference and information indicating the ratio of the total amount of the difference to the predetermined amount. For example, the notification unit 137 displays on the user terminal 2 a screen showing the achievement status until the award is granted, including the total amount of the specified difference and information indicating the ratio of the total amount of the difference to a predetermined amount. let By doing so, the user can grasp how much time is left before the benefit will be awarded.

[Operation sequence]
FIG. 8 is an operation sequence diagram of the payment system S. Note that before the processing related to this sequence, the setting unit 131 receives the standard unit amount and the selection of a benefit from the user terminal 2, and inputs the user's user ID, the standard unit amount, and the benefit ID of the benefit. It is assumed that the settings are stored in the storage unit 12 in association with each other as setting information.

First, the user terminal 2 of a user who purchases a product or the like at a store receives an operation to display a payment code (S1). The request transmitter 252 transmits the user ID and a payment code issuance request to the payment processing device 1 (S2).

When the request receiving unit 132 of the payment processing device 1 acquires the user ID and the payment code issuance request from the user terminal 2, the token transmitting unit 133 generates a payment token (S3). The token transmitter 133 stores the user ID and the generated payment token in the storage unit 12 in association with each other (S4). The token transmitter 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance 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 payment code displayed on the user terminal 2 at the store, and the reading unit 32 of the store terminal 3 reads the payment code (S7).

In addition, the payment information generation unit 361 of the store terminal 3 specifies the price of the product based on the product ID input by the clerk on the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32. , calculate the payment amount (S8). The payment information transmission unit 363 of the store terminal 3 sends a payment request including payment information including the payment amount calculated in S8, the store ID, and the payment token included in the payment code read in S7. is transmitted to the payment processing device 1 (S9).

The payment information receiving unit 134 of the payment processing device 1 receives a payment request including payment information and a payment token from the store terminal 3. If the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 135 calculates the reference amount corresponding to the user and the difference (S10).

Subsequently, the payment processing unit 135 performs payment processing (S11). Specifically, the payment processing unit 135 executes a payment process to debit the standard amount from the user's account corresponding to the user ID associated with the payment token, and also performs payment processing to debit the standard amount from the account of the user corresponding to the user ID associated with the payment token. Executes the process of depositing the amount received at the store into the store's account.

Subsequently, the benefit granting unit 136 grants a benefit to the user indicated by the user ID when the total amount of the difference corresponding to the user ID associated with the payment token satisfies the granting conditions for the benefit (S12). . Specifically, the benefit granting unit 136 refers to the benefit management information and difference management information stored in the storage unit 12, and specifies condition information corresponding to the benefit ID associated with the specified user ID. Then, the benefit granting unit 136 grants a benefit to the user when the total amount of the difference accumulated in association with the specified user ID in the difference management information satisfies a predetermined condition indicated by the specified condition information.

Subsequently, the payment processing unit 135 transmits payment completion information to the user terminal 2 (S13). Here, the payment processing unit 135 may transmit payment completion information including information indicating that the benefit has been granted to the user terminal 2 when the benefit is granted to the user. Upon receiving the payment completion information from the payment processing device 1, the display control unit 254 of the user terminal 2 displays the payment completion information on the display unit 23 (S14).

[Modification 1]
In the above description, the payment processing device 1 stores the total amount of the difference in association with the user ID, but the present invention is not limited to this. The payment processing device 1 may accumulate the total amount of the difference in association with the user ID and the store ID of the store where the product was purchased.

In this case, the setting unit 131 receives from the user terminal 2 the store ID of the store and the selection of a benefit to be given for the total difference in price at the store. When receiving a selection of a store ID and a benefit from the user terminal 2, the setting unit 131 associates the user's user ID, the received store ID, and a benefit ID for identifying the received benefit, and sets the setting information. It is stored in the storage unit 12 as a part.

The payment processing unit 135 calculates a standard amount based on the payment amount included in the payment request and the standard unit amount corresponding to the user, and calculates the difference by subtracting the payment amount from the standard amount. The payment processing unit 135 stores the calculated difference in association with the user ID stored in the storage unit 12 in association with the payment token included in the payment request and the store ID included in the payment request.

When the total amount of differences accumulated in association with the user ID indicating the user and the store ID satisfies a predetermined condition, the benefit granting unit 136 grants the user a benefit corresponding to the store indicated by the store ID. For example, the benefit granting unit 136 refers to the benefit management information and difference management information stored in the storage unit 12, and creates conditions corresponding to the benefit ID associated with the specified user ID and the store ID included in the payment request. Identify information. Then, the benefit granting unit 136 grants a benefit to the user when the total amount of the difference accumulated in association with the user ID and store ID in the price difference management information satisfies a predetermined condition indicated by the specified condition information. do. By doing so, the payment processing device 1 can manage the difference in price corresponding to each store, and can provide benefits to the user for each store.

[Modification 2]
Further, in the above description, the case where the predetermined payment method is a CPM code payment is explained as an example, but an example using an MPM code payment will be briefly described below. FIG. 9 is an operation sequence diagram of the payment system S compatible with MPM code payment.

First, the store clerk operates the store terminal 3 in response to the user bringing the product to be purchased to the store clerk. The store terminal 3 acquires 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, and specifies the price of the product associated with the product ID. By doing so, the payment amount is calculated. The store terminal 3 causes the display unit 23 to display the payment amount (S21).

When the store terminal 3 receives the operation related to the payment code issuance request, it transmits the payment code issuance request and the store ID to the payment processing device 1 (S22). When the request receiving unit 132 of the payment processing device 1 acquires the payment code issuance request and store information, the token transmitting unit 133 generates a payment token for generating the payment code (S23). The token transmitting unit 133 associates the generated payment token with the store ID and stores it in the storage unit 12 (S24). The token transmitter 133 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request (S25).

The store terminal 3 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 34 (S26). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S27).

After extracting the payment token from the payment code, the user terminal 2 receives input of the payment amount from the user (S28). The user terminal 2 transmits a payment request including payment information including the payment amount, a payment token extracted from the payment code, and the user ID to the payment processing device 1 (S29).

The payment information receiving unit 134 of the payment processing device 1 receives a payment request including payment information, a payment token, and a user ID from the user terminal 2. If the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 135 calculates the reference amount corresponding to the user and the difference (S30).

Subsequently, the payment processing unit 135 performs payment processing (S31). Specifically, the payment processing unit 135 executes a payment process to debit the standard amount from the account of the user corresponding to the user ID included in the payment request, and also debits the standard amount from the account of the user corresponding to the user ID included in the payment request. A process is executed to deposit the amount received at the store into the account of the store specified by the store ID.

The processing from S32 to S34 is the same as the processing from S12 to S14, so a description thereof will be omitted.

With the payment system S operating as described above, the payment processing device 1 can perform payment processing by receiving payment information from the store terminal 3 that has read the payment code displayed on the user terminal 2. , a privilege can be given to the user indicated by the user ID according to the total amount of difference accumulated for the user ID.

Note that in the MPM code payment, a request for issuance of a payment code is made at the time of payment, but the request may be made at a timing earlier than the time of payment. In this case, the request for issuance of the payment code may be made via the store terminal 3, or may be made by mail, e-mail, or the like. Further, although the store terminal 3 displays the payment code on the display unit 34, the present invention is not limited thereto. For example, a store clerk may present a payment code printed on paper or the like to the user.

In this case, in response to the user's operation, the user terminal 3 captures an image of the payment code presented at the store using the imaging unit provided therein, extracts the payment token from the imaged payment code, and extracts the payment token from the imaged payment code. The payment amount corresponding to the payment at the store is input from the store. The payment token may include a store ID for the payment processing device 1 to identify the store. Upon receiving the input of the payment amount, the user terminal 3 transmits to the payment processing device 1 a payment request including payment information including the payment amount, the extracted payment token, and the user ID. The payment processing unit 135 executes payment processing when the payment information receiving unit 134 receives a payment request including payment information, a payment token, and a user ID from the user terminal 2.

[Modification 3]
Further, in the above description, the predetermined payment method is a payment method using a code, but it is not limited to this. For example, if the payment processing device 1 is capable of acquiring a user ID, store ID, and payment information when a user makes a payment, the predetermined payment method may be different from a payment method using a code payment, such as NFC. A payment method using short-range wireless communication, a credit card, or a prepaid card may be used.

[Effects of payment system S]
As explained above, the payment processing device 1 according to the present embodiment acquires the payment amount corresponding to the purchase of a product at the user's store and the user ID, and charges the user more than the payment amount. The payment processing device 1 stores the calculated difference in association with the acquired user ID, on the condition that the payment process for the standard amount charged to the user has been executed, and stores the calculated difference in association with the acquired user ID. When the total amount of one or more differences accumulated in association with the above satisfies a predetermined condition, a privilege is given to the user. By doing so, the payment processing device 1 can easily manage the user's expenditures.

Furthermore, the present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Create a foundation for 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 can be made within the scope of the gist. be. For example, all or part of the device can be functionally or physically distributed and integrated into arbitrary units. In addition, new embodiments created by arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiment resulting from the combination have the effects of the original embodiment.

1 Payment processing device 2 User terminal 3 Store terminal 11 Communication section 12 Storage section 13 Control section 21 Operation section 22 Communication section 23 Display section 24 Storage section 25 Control section 31 Operation section 32 Reading section 33 Communication section 34 Display section 35 Storage section 36 Control unit 131 Setting unit 132 Request receiving unit 133 Token transmitting unit 134 Payment information receiving unit 135 Payment processing unit 136 Benefit granting unit 137 Notification unit 251 Operation receiving unit 252 Request transmitting unit 253 Code generating unit 254 Display control unit 361 Payment information Generation unit 362 Token acquisition unit 363 Payment information transmission unit S Payment system

Claims (17)

computer executes
acquiring a payment amount corresponding to the purchase of a product at the user's store and user identification information for identifying the user;
identifying a reference amount to be charged to the user that is greater than the obtained payment amount;
calculating the difference obtained by subtracting the payment amount from the specified reference amount;
storing the calculated difference in association with the acquired user identification information on the condition that payment processing for the standard amount charged to the user has been executed;
When the total amount of one or more of the differences accumulated in association with the user identification information indicating the user satisfies a predetermined condition, providing a benefit to the user;
An information processing method having further comprising the step of associating the user identification information with a reference unit amount, which is a unit amount used for calculating the reference amount, and storing the same in a storage unit, which is executed by the computer;
In the step of specifying the reference amount, the computer selects the smallest amount that is equal to or greater than the payment amount among the amounts corresponding to multiples of the reference unit amount stored in the storage unit in association with the user identification information. is the reference amount;
The information processing method according to claim 1. In the step of storing the standard unit amount, the computer receives the standard unit amount from a user terminal used by the user, associates the user identification information of the user with the standard unit amount, and stores the standard unit amount in the storage unit. to remember,
The information processing method according to claim 2. a storage unit that receives a selection of a benefit to be given for the total amount of the difference, which is executed by the computer, and associates the user identification information of the user with benefit identification information for identifying the received benefit; further comprising a step of storing the
The storage unit stores the benefit identification information, information indicating the content of the benefit indicated by the benefit identification information, and condition information indicating the predetermined condition corresponding to the benefit, in association with each other,
In the step of granting the benefit, the computer identifies the condition information corresponding to the benefit identification information associated with the user identification information, and determines the total amount of the difference accumulated in association with the user identification information. provides a benefit to the user when the predetermined condition indicated by the specified condition information is satisfied;
The information processing method according to any one of claims 1 to 3. The predetermined condition is that the total amount of the difference is greater than or equal to a predetermined amount;
In the step of granting the benefit, the computer grants the benefit to the user on the condition that the total amount of the difference accumulated in association with the user identification information is equal to or greater than the predetermined amount.
The information processing method according to any one of claims 1 to 4. In the step of granting the benefit, the computer grants the benefit corresponding to the predetermined amount on the condition that the total amount of the differences accumulated in association with the user identification information is equal to or greater than the predetermined amount. granted to said user;
The information processing method according to claim 5. In the step of granting the benefit, the computer grants the benefit to the user and subtracts an amount corresponding to the benefit from the total amount of the accumulated difference.
The information processing method according to claim 6. In the step of accumulating, the computer accumulates the difference amount, which is restricted from being used for purposes other than granting the benefit, in association with the acquired user identification information.
The information processing method according to claim 7. In the step of granting the benefit, the computer grants the user the benefit having a monetary value greater than the amount deducted from the total amount of the difference;
The information processing method according to claim 7 or 8. In the step of granting the benefit, when the total amount of the difference accumulated in association with the user identification information satisfies a predetermined condition, the computer performs an operation related to granting the benefit from a user terminal used by the user. granting the benefit to the user without accepting the benefit;
The information processing method according to any one of claims 1 to 9. In the acquiring step, the computer acquires the payment amount, the user identification information, and store identification information for identifying the store or a business operator operating the store,
In the step of accumulating, the computer accumulates the calculated difference in association with the acquired user identification information and the acquired store identification information,
When the total amount of the differences accumulated in association with the user identification information indicating the user and the store identification information satisfies a predetermined condition, the benefit corresponding to the store indicated by the store identification information is granted to the user. do,
The information processing method according to any one of claims 1 to 10. By receiving benefit information indicating a benefit selected by the user from among a plurality of benefits from a user terminal used by the user, the computer executes the user identification information corresponding to the user and the benefit information. further comprising the step of associating and storing it in the storage unit,
In the step of granting the benefit, when the total amount of the difference accumulated in association with the user identification information satisfies a predetermined condition, the computer stores the difference in association with the user identification information in the storage unit. granting the benefit indicated by the benefit information to the user;
The information processing method according to any one of claims 1 to 11. In the step of granting the benefit, when the total amount of the difference accumulated in association with the user identification information indicating the user satisfies a predetermined condition, the computer selects a reward selected from a plurality of benefits by lottery. granting benefits to the user;
The information processing method according to any one of claims 1 to 12. When the computer obtains a request for obtaining the total amount of the accumulated difference from a user terminal used by the user, information indicating the total amount of the difference associated with the user identification information of the user; further comprising the step of transmitting the information to the user terminal.
The information processing method according to any one of claims 1 to 13. The predetermined condition is that the total amount of the difference is greater than or equal to a predetermined amount;
In the step of transmitting information indicating the total amount of the difference, the computer transmits information indicating the total amount of the difference and information indicating a ratio of the total amount of the difference to the predetermined amount to the user terminal. do,
The information processing method according to claim 14. In the step of obtaining the payment amount, the computer obtains the payment amount corresponding to the payment made by a predetermined payment method;
In the storing step, the computer stores the difference calculated based on the payment amount corresponding to the payment made by the predetermined payment method in association with the acquired user identification information.
The information processing method according to any one of claims 1 to 15. In the step of granting the benefit, the computer grants the benefit to the user and subtracts a portion of the amount corresponding to the benefit from the total amount of the accumulated difference;
further comprising the step of specifying the remaining amount of the amount corresponding to the benefit, executed by the computer, as an amount to be borne by a business providing a payment service related to the predetermined payment method;
The information processing method according to claim 16.

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