JP6527282B1 - INFORMATION PROCESSING METHOD, INFORMATION PROCESSING DEVICE, AND INFORMATION PROCESSING PROGRAM - Google Patents

Abstract

The present invention provides a payment system and the like that can promote the introduction of a payment system to a store to realize quick and smooth commerce and improve the convenience of both the user and the store. According to the present disclosure, a settlement system according to the present disclosure uses a settlement by using a store that stores information about a store and an identification code, an authentication item selected from information about the store, and an identification code. From the user, a temporary registration unit that temporarily registers as a member store to be registered and issues the identification code to the temporarily registered store, a generation unit that generates an identification code for use in commerce in the temporarily registered store, and The settlement processing unit executes a process of withdrawing the amount of the transaction consideration from the first account associated with the user based on the settlement request. [Selected figure] Figure 7

Description

  The present disclosure relates to an information processing device, an information processing method, and an information processing program.

  A so-called mobile payment (mobile payment) using a terminal such as a mobile phone or a smart phone owned by an individual user is known as a payment method easier than card payment such as a credit card or debit card. According to such mobile payment, even if the user does not carry a credit card or the like, commercial transactions such as purchasing goods or services at an actual store become possible. In addition, among mobile payment methods, QR payment (also referred to as QR code payment) using QR code (registered trademark; hereinafter the display of the effect will be omitted), which is a new payment scheme, is collectively referred to as “QR payment together. Recently, identification code settlement represented by “.” Has attracted particular attention, and its spreading activities are becoming active (for example, Non-Patent Document 1).

Feedmatic Blog, "Latest trends of QR code settlement Summary from 2018 to mechanism list and benefits to service list" [search on September 1, 2018], Internet <URL: https://blog.feedmatic.net/entry/2018 / 07/19/155453>

  Here, as a specific method of identification code settlement such as QR settlement, CPM (Consumer Presented Mode; described later) in which the identification code associated with the user is displayed on the user's terminal or the like and read by the store's terminal or reader (Equivalent to “store reading type QR settlement”) and the identification code linked to the shop on the terminal of the shop side, etc., and read by the user's terminal MPM (Merchant Presented Mode; “user reading type QR settlement” described later 2) are known. Among these, in the identification code settlement system using the MPM method, the target shop is normally registered by the settlement company as a member store of the settlement system, and the identification code settlement is performed by issuing an identification code unique to the shop. Is possible.

  However, at present, at the time of affiliated store registration of a store, a lot of information on the store (for example, basic information on a store or a business, information for confirming legal personality if it is a corporation, identity verification of a manager or a business person Information required for payment, account information etc. necessary for payment). Then, filling in or entering such information in the registration form is a cumbersome and troublesome task for the store, and the store often hesitates to join the identification code payment system. As a result, there has been a problem that the realization and the spread of quick and smooth commerce using the identification code settlement system are hindered, and the convenience of both the user and the store is hindered.

  Therefore, the present disclosure is, in one aspect, made in view of such circumstances, and can reduce the work of the store in the member store registration of the payment system, and promote the introduction of the payment system to the store This aims to provide a settlement system, a settlement method, and a settlement program that can realize quick and smooth commerce and improve the convenience of both the user and the store.

  An information processing apparatus according to an embodiment of the present disclosure is an apparatus that performs settlement of a commercial transaction by a user at a store using an identification code, and a storage unit that stores information related to the store and the identification code; Based on the consent of the store, or prior to the consent of the store, the store is tentatively designated as a member store using the settlement by associating the authentication item selected from the information on the store with the identification code. A temporary registration unit that registers and issues the identification code to the temporarily registered shop; a generation unit that generates the identification code for use in the commerce in the temporarily registered shop; A settlement processing unit that executes a process of withdrawing the amount of the consideration for the transaction from the first account associated with the user based on the settlement request of To.

  In the present disclosure, “store” indicates a real store and a virtual store operated by a corporation or an individual, and “commerce” refers to purchase or loan of tangible or intangible goods or services (services) in “store”. And the use, and the act of causing the payment of the amount of compensation for the transaction by the user who has performed the transaction. In addition, the “goods or services” are not limited to, but are, for example, goods or services sold (paid for sale) or provided by cash sale services, electronic transaction services, content sale services, subscription services, financial services, etc. Is included. Furthermore, the “identification code” includes, by way of example and not limitation, a one-dimensional code such as a barcode, and a two-dimensional code such as a QR code. In addition, the information processing apparatus, the information processing method, and the information processing program according to the present disclosure have the concept of performing the two-step registration process of the above-mentioned “provisional registration” and “post-registration” described later. Although “registration” and “registration” are not different in that both services relating to payment using an identification code can be used, there is a difference in the number of authentication items required for registration, and both are certified. The registration process with relatively few items corresponds to "provisional registration", and the registration process with relatively many authentication items corresponds to "main registration".

FIG. 1 shows a configuration of a communication system according to an aspect of the embodiment. FIG. 2 illustrates an example of a hardware configuration of an information processing apparatus that configures a settlement system according to the present disclosure. FIG. 3 is a schematic view schematically showing the outline of the configuration of the embodiment. FIG. 4 shows an example of a block diagram showing a functional configuration of an information processing apparatus constituting the payment system according to the embodiment. FIG. 5: shows an example of the block diagram which shows the functional structure of the information processing apparatus which comprises the payment system which concerns on embodiment. FIG. 6 shows an example of a block diagram showing a functional configuration of an information processing apparatus constituting the payment system according to the embodiment. FIG. 7 shows an example of a sequence diagram of processing of the server and the terminal according to the embodiment. FIG. 8 shows an example of a sequence diagram of processing of the server and the terminal according to the first example of the embodiment. FIG. 9 illustrates an example of a sequence diagram of processing of a server and a terminal according to a second example of the embodiment.

<Compliance with the law>
The disclosure set forth herein, when implemented, is implemented in compliance with the laws of each country that implements the disclosure. In addition, the disclosure described in this specification is implemented with all changes, substitutions, alterations, modifications, and modifications that can be made by those skilled in the art that are required to comply with the laws and regulations of each country.

  An information processing method, an information processing apparatus, and an embodiment for implementing an information processing program according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 shows a configuration of a communication system 1 for effectively implementing an information processing method according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, a server different from the server 110A, the server 110B, the terminal 120A, the terminal 120B, the terminal 120C, the server 110A, and the server 110B via the network 130, for example, other businesses An external system 140 constructed by a server (a financial institution, a credit card company, etc.) or a server operated by another business unit is connected.

  In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

  In the present disclosure, when it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

  In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing apparatus 200. The number of information processing apparatuses 200 connected to the network 130 and the number of external systems 140 are not limited.

  The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, payment service, financial service, commerce service, social networking service (SNS represented by instant messenger), and content providing service such as music / video / book. When the user uses a predetermined service via the terminal 120, the server 110 can provide the one or more terminals 120 with the predetermined service.

  In the present disclosure, payment service means a service in which one or more users can send or receive money or money equivalent. For example, without limitation, an identification code such as a one-dimensional code (such as a bar code) or a two-dimensional code (such as a QR code) or a short-distance wireless communication (such as NFC, BLE, WI-FI, ultrasound, etc.) Includes services to be performed. In addition, in the settlement using the one-dimensional code or the two-dimensional code as needed, the user who makes the payment performs the settlement by reading the two-dimensional code “User-Readable QR Settlement” (in MPM described above Expressed as “equivalent”, the payment user displays a two-dimensional code, and the payment is made by the billing user (or store) reading it as “store reading type QR payment” (corresponding to the above CPM) Express.

  A terminal used by the user X is expressed as a terminal 120X as necessary. The user information is information of the user associated with the account used by the user in the predetermined service. The user information is, by way of example and not limitation, the user's name, the user's icon image, the user's age, the user's age, the user's gender, the user's address, the user's hobbies entered by the user or provided by a predetermined service. Information including information associated with the user such as taste, user identifier, balance information of electronic value (electronic money) associated with the user, credit card information (credit card number etc.) associated with the user, and the like Or any combination thereof.

  The network 130 is responsible for connecting two or more information processing apparatuses 200. The network 130 refers to a communication network that provides a connection path so that data can be transmitted and received after the terminal 120 connects to the server 110.

  One or more portions of network 130 may be a wired network or a wireless network. Network 130 may be, by way of example and not limitation, an ad hoc network (Ad Hoc Network), an intranet, an extranet, a Virtual Private Network (VPN), a Local Area Network (LAN), wireless Wireless LAN (WLAN), Wide Area Network (WAN), Wireless WAN (WWAN), Metropolitan Area Network (MAN), Internet Part, Public Switched Telephone Network (Public) Switched Telephone Network (PSTN), mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth (Bluetooth), satellites Communication, etc., or It may include two or more combinations of these. Network 130 may include one or more networks 130.

  The information processing apparatus 200 may be any information processing apparatus that can implement the functions and / or methods described in the present disclosure. The information processing apparatus 200 may be, by way of example and not limitation, a smart phone, a mobile phone (feature phone), a computer (for example but not limited to a desktop, laptop, tablet etc.), a server device, a media computer platform (for example but not limited to) , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (such as but not limited to PDAs (Personal Digital Assistants), e-mail clients), wearable terminals (such as but not limited to glasses-type devices, Including clock-type devices), other types of computers, or communication platforms.

<Hardware (HW) configuration>
The HW configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG.

  The information processing apparatus 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The respective components of the HW of the information processing apparatus 200 are mutually connected via the bus B as an example and not limitation.

  The information processing apparatus 200 realizes the functions and / or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. Do.

  The processor 201 executes functions and / or methods implemented by code or instructions included in a program stored in the storage 203. The processor 201 may be, by way of example and not limitation, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor. Logic circuits (hardware) or integrated circuits (ICs (Integrated Circuit) chips, LSIs (Large Scale Integration)), etc., including application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc. Each process disclosed in each embodiment may be realized by a dedicated circuit. In addition, these circuits may be realized by one or more integrated circuits, and the plurality of processes shown in each embodiment may be realized by one integrated circuit. Also, LSI may be called VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

  The memory 202 temporarily stores the program loaded from the storage 203 and provides the processor 201 with a work area. The memory 202 also temporarily stores various data generated while the processor 201 is executing a program. The memory 202 includes, by way of example and not limitation, random access memory (RAM), read only memory (ROM), and the like.

  The storage 203 stores a program. The storage 203 includes, by way of example and not limitation, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

  The communication I / F 205 transmits and receives various data via the network 130. The communication may be performed by wire or wireless, and any communication protocol may be used as long as communication with each other can be performed. The communication I / F 205 has a function of executing communication with another information processing apparatus via the network 130. The communication I / F 205 transmits various data to another information processing apparatus according to an instruction from the processor 201. The communication I / F 205 also receives various data transmitted from other information processing apparatuses, and transmits the data to the processor 201.

  The input / output I / F 204 includes an input device for inputting various operations to the information processing device 200 and an output device for outputting the processing result processed by the information processing device 200. The input / output I / F 204 may be integrated with an input device and an output device, or may be separated into an input device and an output device.

  The input device is realized by any one or a combination of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201. The input device includes, by way of example and not limitation, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

  The output device is realized by any one or a combination of all types of devices capable of outputting the processing result processed by the processor 201. When outputting the processing result as a video and / or a moving image, the output device may display the display data according to the display data written in the frame buffer, or any one of all types of devices that can display the display data. It is realized by the combination. The output device is, by way of example and not limitation, a touch panel, touch display, monitor (for example but not limited to, liquid crystal display, OELD (Organic Electroluminescence Display), etc.), head mounted display (HDM: Head Mounted Display), projection mapping, hologram , A device capable of displaying images, text information, etc. in air (or vacuum), a speaker (audio output), a printer, etc. These output devices may be able to display display data in 3D.

  The program of each embodiment of the present disclosure may be provided stored in a computer readable storage medium. The storage medium can store the program in the “non-transitory tangible medium”. The programs include, by way of example and not limitation, software programs and computer programs.

  The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs) (for example but not limited to field programmable gate arrays (FPGAs), application specific ICs (ASICs) etc. Hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic disk A tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more of these can be included. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, as appropriate.

  Also, the program of the present disclosure may be provided to the information processing apparatus 200 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. The embodiments of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

  Note that the program of the present disclosure is implemented using a script language such as JavaScript (registered trademark) or Python, C language, Go language, Swift, Koltin, Java (registered trademark) or the like as an example and not by way of limitation.

  At least a part of the processing in the information processing apparatus 200 may be realized by cloud computing configured by one or more computers.

  At least a part of the processing in the information processing apparatus 200 may be performed by another information processing apparatus. In this case, at least part of the processing of each functional unit realized by the processor 201 may be performed by another information processing apparatus.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and the predetermined process is operated when the determination condition is satisfied, or the predetermined process is performed when the determination condition is not satisfied. You may

  In the present disclosure, unless otherwise stated or indicated by context, "or" is inclusive and not exclusive. Thus, in the present disclosure, unless otherwise stated or indicated by context, "A or B" means "A, B, or both." Furthermore, "at least one of A and B" means "A, B, or both." Further, unless otherwise stated or indicated by context, “a”, “an” or “the” shall mean “one or more”. Thus, as used herein, unless otherwise stated or indicated by context, "an A" or "the A" means "one or more A".

  The present disclosure includes all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art with respect to the embodiments and / or examples of the present disclosure. Similarly, where appropriate, the appended claims are intended to cover all modifications, substitutions, alterations, modifications and alterations that may occur to those skilled in the art, with respect to the embodiments and / or examples of the present disclosure. Include. Furthermore, the present disclosure may include one or more features of the embodiments and / or examples in the disclosure and / or other embodiments and / or examples of the disclosure that may occur to those skilled in the art. Includes any combination with one or more features.

  In addition, an apparatus or system or a component of an apparatus or system that is adapted, arranged, capable, configured, available, operable or operable to perform a specific function Reference in the appended claims to the is intended to be arranged, capable, configured, enabled, enabled, enabled, the apparatus, system, or component thereof being so adapted. As long as the device, system or component or its specific function is activated, turned on or unlocked, it encompasses the device, system, or component as long as the device or system is operable. The present disclosure may obtain consent from the user in advance or immediately before the implementation, in performing any of the embodiments or examples, unless explicitly stated. Also, the consent obtained may be comprehensive or may be obtained each time.

  Hereinafter, an embodiment according to an example of the present disclosure will be described with reference to the drawings. However, the embodiments described below are merely examples, and are not intended to exclude application of various modifications and techniques that are not explicitly described below. That is, an example of the present disclosure can be variously modified and implemented without departing from the scope of the present disclosure. In the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals, and the drawings are schematic and do not necessarily match the actual dimensions, ratios, and the like. Furthermore, there may be parts where the dimensional relationships and proportions differ among the drawings.

Embodiment
In the present embodiment, the user uses the terminal 120 such as a smartphone, and the store uses the terminal 120 such as a tablet, and in the online process via the network 130, payment is made using the identification code to make a transaction payment by the user at the store It is an embodiment showing an application example to a service.

  FIG. 3 is a schematic view schematically showing the outline of the configuration of the present embodiment. In the settlement service, for example, a settlement system 610 is constructed by the information processing apparatus 200 (a server 110 functioning as a settlement server, a terminal 120A of a store, and a terminal 120B of a user who performs commerce in the store).

  In the settlement service by this settlement system 610, when the user carries out a commercial transaction such as shopping at a store, the store presents to the user an identification code issued by a settlement company (for example, an operating company of the server 110). The cashless walletless settlement can be performed by the user reading at the terminal 120A and specifying the payment amount (the amount of consideration for the commercial transaction).

  In the settlement process, as an example and not limitation, an identification code is generated by the server 110 or the terminal 120C used by a sales representative of a settlement company (including the case of acquiring an existing identification code. The same applies to the following). The identification code is associated with the store and issued to the store, and the store displays the identification code on the terminal 120B of the store and presents it to the user. In addition, as a terminal for displaying the identification code and presenting it to the user, not only the input / output I / F 204 of the information processing apparatus 200 but also a paper medium or a plate-like medium on which the identification code is printed, for example It is also good. If the terminal 120A of the user who read the identification code sends the payment request (payment amount) of the transaction as well as the payment request (payment request) to the server 110, and if the server 110 approves the predetermined condition, The payment for the commerce is withdrawn from the user account AC1 associated with the user and deposited to the store account AC2. Note that “withdrawal” may be expressed as subtracting balance or value, and “payment” may be expressed as adding balance or value.

  When issuing the identification code to the store, the store does not have to provide the settlement company with much information necessary for regular affiliated store registration (main registration), and the limited certification designated by the settlement company The temporary registration as a member store can be received based on only the information of the item. Therefore, the settlement service using the identification code can be provided to the user only by a very simple procedure as a store. Further, in the present embodiment, the authentication item associated with the identification code includes the information of the ID of the store account AC2 and the account number, and the payment amount settled in commerce is the user even if the temporary registration is made. If the account is withdrawn from the account AC1, it is subsequently deposited to the store account AC2 without delay.

  Here, the user account account AC1 is provided in the server 110 or a server that operates the external system 140 as an example and not by way of limitation, and various accounts associated with the user may be mentioned. Similarly, the store account AC2 is provided in the server 110 or a server that operates the external system 140 as an example and not by way of limitation, and various accounts associated with the store and the like can be mentioned. The user account account AC1 used by one user and the store account account AC2 used by one store may be singular or plural.

  In addition, as various accounts, for example and not limitation, electronic values such as dedicated or general-purpose electronic money cards, electronic money accounts, etc., accounts for holding and managing sales in specific commerce, points available in specific services (Money equivalents) accounts, credit card cash allowances (creditable funds) accounts, bank accounts, financial accounts in banks or securities companies, or deposits in, for example, virtual currency exchanges, operating funds, Examples include financial accounts that hold and manage owned assets. As described above, the user account account AC1 corresponds to an example of the "first account account" in the present disclosure, and the store account account AC2 corresponds to an example of the "second account account" in the present disclosure.

<Effect of this embodiment>
According to the present embodiment, it is not necessary for the store to provide the settlement company with a lot of information required for ordinary affiliated store registration (main registration) in order to use the settlement service by the identification code, and the predetermined information Provisional registration can be received based only on information of limited authentication items. And since the settlement service can be provided to the user using the identification code issued based on the temporary registration, the registration work for the settlement service of the store is extremely simplified compared to the current situation, and the store's The work load can be significantly reduced. As a result, since the store can realize sales when using the settlement service without taking time and effort for complicated work, the introduction of the settlement system to the store, and finally, the official registration as a member store Can be promoted. Moreover, since it is possible to realize and spread quick and "smooth" commerce, it is possible to improve the convenience of both the user and the store.

  Furthermore, since the opportunity for member store registration of a store can be increased, it is also possible to reduce the cost by effectively utilizing hardware and software resources without wasting an identification code. Furthermore, by utilizing the sales information already acquired from the store as an authentication item for temporary registration, it is possible to improve the sales efficiency by the settlement company, and also the burden on the store for temporary registration. It can be further reduced.

  Further, even in the case of temporary registration, since the payment amount of the commercial transaction paid out from the user account account AC1 is deposited without delay into the store account account AC2, the store can perform sales accounting in a timely manner, Since the settlement service can be tried by such operation, it is possible to increase the incentive for full introduction (full registration) of the settlement service by the store. Furthermore, in that case, by appropriately limiting the number of prompt deposit and withdrawal processing in the temporary registration, while providing the shop with a trial of the settlement service sufficiently, the main registration to the settlement service of the store is promoted. It also becomes possible.

<Functional Configuration of Embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described using FIGS. 4 to 6. FIG. 4 to FIG. 6 show an example of a block diagram showing a functional configuration of the information processing apparatus constituting the payment system according to the present embodiment, and are constructed by the information processing apparatus 200 (server 110 and each terminal 120). It is also a diagram showing an overall schematic configuration of payment system 610. The functional units disclosed in FIGS. 4 to 6 are realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 provided in the information processing apparatus 200. That is, the processor 201 of the information processing apparatus 200 illustrated in FIG. 2 deploys various programs (control programs related to payment service and other services, calculation programs, and the like) stored in the storage 203 in the memory 202 (for example, RAM). Then, the processor 201 interprets and executes various programs developed in the memory 202 to control each hardware component, whereby the functional configuration described below is realized.

  Each function realized by the information processing apparatus 200 may be realized by a processor 201 such as a general-purpose CPU, or a part or all of the functions are realized by one or a plurality of dedicated processors 201. It is also good. Furthermore, according to the embodiment and examples, the functional configuration realized by the information processing apparatus 200 may be appropriately omitted, replaced, and added.

(1) Functional Configuration of Server As shown in FIG. 4, the server 110 includes an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314. The input / output I / F 311 corresponds to the input / output I / F 204 in FIG. 2, and the communication I / F 312 corresponds to the communication I / F 205 in FIG. 2. In addition, the control unit 313 includes a payment management unit 315, an account management unit 316, a deposit and withdrawal management unit 317, and a display management unit 318.

  In the server 110, the settlement system program stored in the storage unit 314 is executed by the processor 201, whereby a settlement system 610 is established to settle a payment in a commerce in a store by the user using an identification code. Ru. In addition, the storage unit 314 associates information (user information X) on users with each user, associates information on stores (store information Y) on each store, associates the generated identification code to each store, and stores the information. In addition, various other information Z is also stored as needed.

  Here, the user information X is not limited and is, for example, user ID, name, address, telephone number, basic registration information such as e-mail address, information of user account account AC1 (account number, cash deposit and savings, electronic money, operation Funds, reserve funds, sales proceeds, points, balances such as credit card cashing frame, deposit and withdrawal history (amount, location information, etc.) In addition, store information Y is not limited and store ID, for example. , Store name, company name, representative name, location, phone number, e-mail address, number of employees, etc., information on store account AC2 (account number, cash deposit and savings, electronic money, operating funds, reserve funds, The balance such as sales money, deposit and withdrawal history (amount, location information, etc.), etc. are included.

  Furthermore, the various information Z is not limited, but is, by way of example, transaction information in commerce between each store and each user (content of service related to transaction, transaction amount, transaction time, location information, environment information, etc. Information, various setting parameters and calculation parameters necessary for processing executed by the settlement system 610, an operation log in the settlement system 610, and the like. When the user account account AC1 and the store account account AC2 are provided in the server that operates the external system 140, for example, the server 110 may transmit the user account account AC1 from the external system 140 via the network 130 and the store Information on the account AC2 can be obtained and stored in the storage unit 314.

  The settlement management unit 315 of the control unit 313 in the server 110 executes a number of processes related to the settlement described below. That is, payment management unit 315 generates an identification code for identifying a store, associates an authentication item selected from store information Y with an identification code, temporarily registers a store in payment system 610, and stores the store temporarily registered. Issuance of an identification code, acceptance of a settlement request for payment by the user in commerce, instruction of procedures required for deposit processing to a temporarily registered store, necessary for the official registration of a member store for the temporarily registered store It has a function to perform information submission request, payment (withdrawal of payment amount from user account account AC1 and payment to store account account AC2), and management thereof.

  Further, the account management unit 316 associates the user account account AC1, the store account account AC2, and their account information with each user and each store, the process of notifying the user and the store of these account information, the user account account AC1. And store account account AC2 with respect to updating of the balance and the like, as well as having a function to manage them.

  Furthermore, the deposit / withdrawal management unit 317 performs processing regarding acceptance and withdrawal of payment request from the user account account AC1, acceptance and payment request of payment amount to the store account AC2, and the like. Has a function to manage.

  Further, the display management unit 318 displays a user interface (UI) involved in various processes by the payment system 610 via the input / output I / F 321 and 421 (output device) of the terminal 120A of the user and the terminal 12B of the store. Processing related to the creation of image data, and the function of performing management thereof. The UI includes, by way of example and not limitation, user information X, store information Y, an identification code, an identification code, an identification code reading screen, and an operation state on the screen of the terminals 120A and 120B by the user and the store.

  As described above, the storage unit 314 corresponds to an example of the “storage unit” in the present disclosure. Further, the payment management unit 315 corresponds to an example of the “provisional registration unit”, the “generation unit”, the “payment processing unit”, the “instruction unit”, and the “main registration unit” in the present disclosure. Further, the display management unit 318 and the display processing unit 428 in the terminal 120C of the sales representative described later correspond to an example of the “generation unit” in the present disclosure.

(2) Functional Configuration of Terminal As shown in FIG. 5, the terminal 120A of the user and the terminal 120B of the store have an input / output I / F 321, a communication I / F 322, a control unit 323, and a storage unit 324. The input / output I / F 321 corresponds to the input / output I / F 204 in FIG. 2, and the communication I / F 322 corresponds to the communication I / F 205 in FIG. 2. Further, the control unit 323 includes a transaction management unit 325, an order processing unit 326, an instruction processing unit 327, and a display processing unit 328. On the other hand, as shown in FIG. 6, the terminal 120C of the sales representative of the settlement company has an input / output I / F 421, a communication I / F 422, a control unit 423, and a storage unit 424. The input / output I / F 421 corresponds to the input / output I / F 204 in FIG. 2, and the communication I / F 422 corresponds to the communication I / F 205 in FIG. 2. Further, the control unit 423 includes a code management unit 425, an information management unit 426, an instruction processing unit 427, and a display processing unit 428.

  In the terminal 120A of the user and the terminal 120B of the store, the payment system application (program) stored in the storage unit 324 is executed by the processor 201, whereby the user and the store access the payment system 610 to use the identification code. You can use the payment service that you In addition, at the terminal 120C of the sales representative, the application for managing the payment system (program) stored in the storage unit 424 is executed by the processor 201, whereby the sales representative accesses the payment system 610 and the identification code It is possible to perform processing related to generation and issuance of, management of store information, and the like.

(2-A) User's terminal 120A
In the user's terminal 120A, the transaction management unit 325 of the control unit 323 manages input parameters by the user necessary for various processes executed in the commerce system and the settlement system 610, controls various setting processes in the terminal 120A, and various arithmetic processes. , And has a function of performing processing necessary for reading the identification code presented from the store. Further, the order processing unit 326 has a function of performing processing related to an order in a commercial transaction by the user transmitted to the server 110 and processing related to settlement such as a settlement request for the payment amount.

  Furthermore, the instruction processing unit 327 has a function of performing processing relating to instructions (for example, instructions such as various settings and changes, assignment to the user account AC1, etc.) by the user other than the order and the settlement request sent to the server 110. Further, the display processing unit 328 is configured to input and output UI images of various settings and processing of the settlement system 610 executed on the terminal 120A based on the image data transmitted from the server 110 to the input / output I / F 321 of the terminal 120A (output Device) to display.

(2-B) Store terminal 120B
In the terminal 120B of the store, the transaction management unit 325 of the control unit 323 manages input parameters by the store necessary for various processes performed in the commerce system and the settlement system 610, and controls various setting processes and various arithmetic processes in the terminal 120B. , And has a function of performing processing required to display the identification code presented to the user. In addition, the order processing unit 326 has a function of performing processing of accounting for sales of orders in commerce by the user, and processing of associating settlement request of payment amount by the user, sales item, store representative, and the like.

  Furthermore, the instruction processing unit 327 has a function of performing processing related to instructions from the store other than processing related to sales accounting (for example, instructions for various settings and changes, processing required for maintenance of the store account AC2, etc.). In addition, the display processing unit 328 inputs and outputs a UI image including an identification code in various settings and processing of the payment system 610 executed on the terminal 120B side based on the image data transmitted from the server 110. / F 321 (output device) has a function to display.

(2-C) Sales representative's terminal 120C
In the terminal 120C of the sales representative, the code management unit 425 of the control unit 423 manages parameters necessary for various processes executed at the store in the commerce system and settlement system 610, various setting processes in the terminal 120C, and various arithmetic processes. It has a function to perform processing necessary for control and generation and management of an identification code issued to a store. In addition, the information management unit 426 is provided with various information provided by the store (information necessary for temporarily registering the store as a settlement service and for final registration, information on other store operations, information on requests from the store, and POS management Have functions to acquire, revise, and manage information, etc.).

  Furthermore, the instruction processing unit 427 instructs by the store other than processing related to management of various information provided from the store (for example, instructions such as various settings and changes, user information X stored in the storage unit 314 of the server 110, It has a function of performing processing relating to store information Y and an instruction to browse various information Z). In addition, the display processing unit 428 inputs and outputs a UI image including an identification code in various settings and processing of the settlement system 610 executed on the terminal 120C side based on the image data transmitted from the server 110. / F 421 (output device) has a function to display.

<Operation Process of Embodiment>
The process of the settlement system 610 according to the present embodiment will be described with reference to FIG. FIG. 7 illustrates an example of a sequence diagram of processing of the server 110 and the terminal 120 according to the present embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. Here, the sales representative of the settlement company carries out a solicitation activity (sales activity) to use the settlement service to the store that has not yet used the settlement service, and provisionally registers as a member store based on the consent of the store To issue an identification code, and present a case where the store provides the user (customer) with a payment service using the identification code. Note that the processing procedure described below is merely an example, and each processing may be changed as much as possible within the scope of the technical idea of the present disclosure, and steps may be omitted, replaced, and added as appropriate. is there.

(Step SC1)
First, in step SC1, when the sales representative activates the terminal 120C to execute the management application (program) of the settlement system, a predetermined login screen is displayed on the input / output I / F 421 of the terminal 120C. When the sales representative inputs his / her login information via the input / output I / F 421 (input device), the instruction processing unit 427 transmits the information to the server 110 and login is permitted, and the display management unit 318 of the server 110 Generates the image data of the initial screen and transmits it to the terminal 120C. The display processing unit 428 of the terminal 120C displays the initial screen via the input / output I / F 421 (output device) based on the image data.

  The initial screen is not limited to, but as an example, a specific screen prepared as a default, various setting screens, a portal site screen, a menu selection screen, an identification code generation / management screen, a sales representative displays at the time of last login Screens, custom screens by sales representatives, and screens combining these.

(Steps SC2, S100)
In step SC2, the sales representative selects, for example, an identification code generation / management screen, and an arbitrary identification code for use in settlement service by the store is generated prior to acceptance of provisional registration by the shop for settlement service. . As a method of generating an identification code, as a non-limiting example, a method of generating a new identification code according to an appropriate algorithm, acquiring an existing identification code which has already been created and held in the storage unit 314 of the server 110 There is a method of (selecting) and the like. In the former case, the image data and character string information data of the newly generated identification code are transmitted from the terminal 120C to the server 110, and the data are stored in the storage unit 314 as the process of step S100. In the latter case, the image data and the character string information data of the identification code may be transmitted from the server 110 to the terminal 120C, or the existing identification code may be transmitted without transmitting those data to the terminal 120C as the process of step S100. For example, an appropriate flag may be set in the data record or the like.

(Steps SC3 and S101)
In step SC3, the sales representative switches the display screen of terminal 120C, and a candidate store specification screen (for example, a store list databased based on sales information collected so far) via input / output I / F 421 is displayed. Select and select at least one or more candidate stores to display and solicit subscription to the payment service. The instruction processing unit 427 of the terminal 120C transmits, to the server 110, an instruction to specify the selected candidate. In step S101, the payment management unit 315 of the server 110 associates (associates) the appropriate identification code with the authentication item of the selected store. Here, as the authentication item of the store, it is possible to appropriately select from among a plurality of items in the store information Y databased based on the sales information, and the e-mail address of the store, the telephone of the store The number, the ID of the store account AC2 associated with the store, the account number, the store name, the store ID, etc. may be mentioned. As described above, in the present embodiment, an example in which the authentication item associated with the identification code includes the information of the ID of the store account AC2 and the account number will be described.

(Steps SC4, S102)
Then, the sales representative carries out sales activities for recommending the selected store to join the settlement service as a member store, and as a result, when the store's consent can be obtained, the processing shifts to the next step. That is, in step SC4, the sales representative operates the terminal 120, and permits issuance of the identification code to the store based on the consent of the store. The instruction processing unit 427 of the terminal 120C transmits, to the server 110, an instruction to permit the issue of the identification code to the store. In step S102, the settlement management unit 315 of the server 110 provisionally registers the store as a member store of the settlement service based on the received issuance instruction of the identification code, and stores the information as the store information Y in the database of the storage unit 314. Remember.

(Step SB1)
On the other hand, in the store temporarily registered as a member store of the settlement service, when the store clerk activates the terminal 120B and executes the settlement system application (program) in step SB1, through the input / output I / F 321 of the terminal 120B. A predetermined login screen is displayed. When the store clerk inputs his / her login information via the input / output I / F 321 (input device), the instruction processing unit 327 transmits the information to the server 110 and login is permitted, and the display management unit 318 generates The image data of the initial screen is transmitted to the terminal 120B. The display processing unit 328 of the terminal 120B displays the initial screen via the input / output I / F 321 (output device) based on the image data.

  The initial screen is not limited to, but as an example, a specific screen prepared as a default, various setting screens, a portal site screen, a menu selection screen, an identification code reception / display / management screen, and a store manager trying Examples include screens that have been displayed, custom screens by store personnel, and screens combining these.

(Step SB2)
In step SB2, the store clerk switches the display screen of the terminal 120B, and displays the identification code reception screen via the input / output I / F 321. As a method of receiving the identification code, as an example, without limitation, an instruction of an identification code reception request is transmitted from the terminal 120B to the server 110, and the data of the identification code associated with the store stored in the storage unit 314 is used as the terminal A method of receiving at 120B, a method of receiving data of an identification code associated with the store from terminal 120C of a sales representative using terminal 120B using appropriate wireless or wired communication, input / output of terminal 120C of sales representative The identification code displayed on the I / F 421 may be captured by the terminal 120B and received as image data. In addition, as a terminal for displaying the identification code and presenting it to the user, not only the input / output I / F 204 of the information processing apparatus 200 but also a paper medium or a plate-like medium on which the identification code is printed, for example It is also good. Thus, the affiliated store completes preparation for providing a simple settlement service using the identification code in commerce with the user without performing any troublesome and time-consuming work when temporarily registering the affiliation store with the settlement service. can do.

(Step SA1)
Then, when the user performs a commercial transaction in this store, the user who desires the settlement service using the identification code starts up the terminal 120A in step SA1 and executes the settlement system application (program) to enter the terminal 120A. A predetermined login screen is displayed via the output I / F 321. When the user inputs his / her login information from the input / output I / F 321 (input device), the instruction processing unit 327 transmits the information to the server 110 and login is permitted, and the image of the initial screen generated by the display management unit 318 The data is transmitted to the terminal 120B. The display processing unit 328 of the terminal 120B displays the initial screen via the input / output I / F 321 (output device) based on the image data.

  The initial screen is not limited and is, for example, a specific screen prepared as a default, various setting screens, a portal site screen of a commerce system or e-commerce, a site screen of each of them, an information screen of a user account account AC1 , A menu selection screen, an identification code reading / management screen, a screen displayed when the user logged in last, a custom screen by the user, and a screen combining these.

(Steps SB3, SA2 to SA4)
After the preparation for reading the identification code is made in the user's terminal 120A, in step SB3, the store clerk switches the display screen of the terminal 120B of the store and displays the identification code via the input / output I / F 321, Present the identification code to the user. In step SA2, the user switches the display screen of the terminal 120A, displays the identification code reading screen via the input / output I / F 321, and reads the image by capturing the identification code, for example. Next, in step SA3, the user switches the display screen of the terminal 120A, displays the input screen of the payment amount via the input / output I / F 321, and taps the number keys or inputs voice to pay for the transaction. Specify the amount. Next, in step SA4, the order processing unit 326 of the terminal 120A transmits the settlement request (settlement request) to the server 110 together with the designated amount. In FIG. 7, instead of step SA3, the payment amount may be input to the terminal 120B of the store in step SB3 and presented to the user together with the identification code. Thereby, when the user's terminal 120A reads the identification code, it is also possible to acquire the amount information.

(Step S103)
The settlement management unit 315 and the account management unit 316 of the server 110 having received the settlement request confirm the balance of the user account AC1 in step S103, and if the balance is equal to or more than the designated amount, the settlement management unit 315 of the server 110 The deposit and withdrawal management unit 317 approves the settlement request. Further, in step S103, the designated amount is further withdrawn from the user account account AC1 and deposited to the store account account AC2 already identified in association with the identification code.

(Step S104)
Then, in step S104, the account management unit 316 and the display management unit 318 of the server 110 notify the user and the store of the completion of the deposit and withdrawal and the balances of the updated user account account AC1 and the store account AC2, respectively. The screen image data for the screen is generated and transmitted to the terminals 120A and 120B. The display processing unit 328 of the terminals 120A and 120B displays the settlement completion screen and the balance notification screen via the input / output I / F 321 (output device) based on the image data, and settles the commerce using the identification code. Complete the processing related to the service.

<< First Example >>
As described above, in the above embodiment, when the authentication item of the store associated with the identification code includes the information of the store account AC2 associated with the store, the payment amount from the user account AC1 is Following the withdrawal, an aspect has been described in which the deposit processing to the store account AC2 is quickly performed. On the other hand, according to the first example of the present embodiment, regardless of the authentication item of the store associated with the identification code, the procedure necessary for the process of depositing the temporarily registered store to the store account AC2 is necessary. It is an Example which performs processing which guides directions to a store.

<< Effect of the first embodiment >>
According to the present embodiment, even in a store that has been provisionally registered, payment processing for the payment amount in commerce can be reliably performed, so that the reliability to the settlement service can be improved, and the store Promote full-scale introduction (full registration) of payment services by In addition, for example, when there is a difference between functions and services that can be enjoyed in the state of temporary registration and in the state of regular registration, the convenience of the store can be improved at an early stage by accelerating the full-scale introduction (full registration) of payment services. It can be realized.

<< Operation processing of the first embodiment >>
FIG. 8 illustrates an example of a sequence diagram of processing of the server 110 and the terminal 120 according to the present embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. As shown in FIG. 8, in the present embodiment, after the settlement request is made in step SA4, when the settlement request is approved in step S103, withdrawal processing of the payment amount from the user account AC1 is performed. Temporarily carry out the steps S110 and SB10, then execute the process shown in FIG. 7 with the same apparatus configuration and procedure as the above embodiment, except for performing deposit processing to the store account AC2 in step S104. Can.

  In step S110, the payment management unit 315 and the account management unit 316 of the server 110 notify the terminal 120B of the store of payment guidance by an appropriate means. In addition, as a method of notifying the terminal 120B of the payment information, the method of receiving power by automatic voice guidance to the terminal 120B as an example is not limited, and an instruction to charge the store is transmitted to the terminal 120C of the sales representative. From the above, there is a method of notifying the terminal 120B of the store by charging, a method of notifying the terminal 120B by e-mail or SNS messenger, and the like. Moreover, as a payment condition in the payment guidance, for example, designation of a store account AC2, provision of information on other stores, payment of a fee, etc. may be mentioned as an example, not a limitation.

<< 2nd Example >>
In the second example of this embodiment, regardless of the authentication item of the store associated with the identification code, it is necessary for the main registration to the settlement service before the payment processing to the store account AC2 of the store temporarily registered. It is an embodiment of requesting presentation of specific information and performing deposit processing to the store account AC2 after the main registration is completed.

<< Effect of the second embodiment >>
According to this embodiment, as a store, even if a commercial transaction is established with the user, sales can not be immediately counted in the state of temporary registration, and payment processing can be received after main registration. It is possible to further promote the full-scale introduction (full registration) of the settlement service by the store. In addition, for example, when there is a difference between functions and services that can be enjoyed in the state of temporary registration and in the state of regular registration, the convenience of the store can be further improved earlier by accelerating the full-scale introduction (full registration) of payment services. Can be realized.

<< Operation processing of the second embodiment >>
FIG. 9 illustrates an example of a sequence diagram of processing of the server 110 and the terminal 120 according to the present embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. As shown in FIG. 9, in the present embodiment, after the settlement request is made in step SA4, when the settlement request is approved in step S103, withdrawal processing of the payment amount from the user account AC1 is performed. Temporarily hold, and after steps SB20, S120, SB21, and S121, perform the deposit processing to the store account AC2 in step S104, and the apparatus configuration and procedure equivalent to the above embodiment of the procedure shown in FIG. Can be performed by

  In the present embodiment, when a commercial transaction is established, a deposit request is transmitted from the terminal 120B of the store to the server 110 in step SB20. The server 110 that has received the deposit request, in step S120, enables the deposit processing to the store account AC2 after the main registration of the settlement service to the terminal 120B of the store, and therefore, recommends that the main registration be recommended, We will notify you that we need to present store information required for the official registration, and notify you of those required items. Then, when the necessary information is transmitted from the terminal 120B to the server 110 in step SB21, the payment management unit 315 of the server 110 cancels the temporary registration of the store and performs the main registration to the payment service, as well as the store Perform deposit processing to account AC2.

<< Third Embodiment >>
The third example of the present embodiment is an example relating to conditions or timing when a store is required to present information required for main registration to a settlement service. As this condition or timing, the following cases (A) to (C) can be mentioned as an example, not a limitation.
(A) When the total amount of consideration for a transaction exceeds a predetermined amount (B) When a transaction occurs and a predetermined time elapses (C) when a transaction occurs a predetermined number of times or more

<< Effect of the third embodiment >>
According to the present embodiment, when a predetermined condition is satisfied, the shop is required to present information necessary for the main registration to the settlement service. Therefore, it is possible to reduce the notification to the store side and the confirmation operation on the store side, and as a settlement company, there is an advantage that it becomes easy to identify a store that should be recommended as a member store.

<< Operation processing of the third embodiment >>
In this embodiment, as an example, as shown in FIG. 7, when a commerce occurs, information on the commerce (the amount of consideration, the time of occurrence, the fact that a commerce occurred, etc.) is sent from the terminal 120B of the store to the server 110. Will be sent. For example, the settlement management unit 315 of the server 110 is (a) the total amount of consideration for commerce using the settlement service, and (b) the elapsed time since the commerce using the settlement service first occurred. , (C) The number of commerce transactions using the settlement service is calculated and stored in the storage unit 314.

  Then, when any of the above conditions (A) to (C) is satisfied, the payment management unit 315 of the server 110 performs the same processing as that in steps S120 and S121 shown in FIG. Execute and request the terminal 120B of the store to request presentation of store information required for the main registration, and notify those necessary items, and if necessary information is transmitted from the terminal 120B to the server 110 , Cancel the temporary registration of the store, and perform the main registration to the settlement service.

  Although the above embodiments and examples as an example of the present disclosure have been described in detail above, the above description is merely an example of the present disclosure in all points, and various modifications can be made without departing from the scope of the present disclosure. It is needless to say that improvements and modifications of the above can be made, and the above embodiment and the above examples may be partially substituted, and may be appropriately combined and configured, for example, each Modifications can be made as appropriate in the embodiment and each example.

  That is, for example, part or all of the processing performed by the sales representative terminal 120C may be performed by the server 110. Further, in this case, the issuance of the identification code associated with the store can directly transmit data of the identification code from the server 110 to the terminal 120B of the store. Furthermore, prior to the generation of the identification code, the association between the authentication item of the store and the identification code and / or the consent by the store for the temporary registration of the store may be obtained in advance. Further, as described above, as a terminal for displaying the identification code and presenting it to the user, not only the input / output I / F 204 of the information processing apparatus 200 but, for example, a paper medium or plate-like medium on which the identification code is printed Or the like. Furthermore, when a commercial transaction is established, the server 110 may directly transmit the identification code of the store to the user's terminal 120A and read the identification code displayed on the user's terminal 120A by self-scanning or the like. . That is, the identification code may be displayed on the terminal 120B of the store or may be displayed on the terminal 120A of the user.

  DESCRIPTION OF SYMBOLS 1 ... Communication system, 110, 110A, 110B ... Server, 120, 120A, 120B, 120C, 120X ... Terminal, 130 ... Network, 140 ... External system, 200 ... Information processor, 201 ... Processor, 202 ... Memory, 203 ... Storage 204 Input / output interface (input / output I / F) 205 Communication interface (communication I / F) 313 Control unit 314 Storage unit 315 Settlement management unit 316 Account management unit 317 Deposit / withdrawal management unit 318 ... display management unit 323 ... control unit 324 ... storage unit 325 ... transaction management unit 326 ... order processing unit 327 ... instruction processing unit 328 ... display processing unit 423 ... control unit, 424 storage unit 425 code management unit 426 information management unit 427 instruction processing unit 428 display processing unit 610 ... Settlement system, AC1 ... User account account, AC2 ... Store account account B ... Bus S100 to S104, S110, S120, S121 ... step, SA1 to SA4 ... step, SB1 to SB3, SB10, SB20, SB21 ... step, SC1 to SC4: step, X: user information, Y: store information, Z: various information.

Claims (11)

An information processing apparatus for settling a commercial transaction by a user at a store using an identification code, comprising:
A storage unit that stores information related to the store and the identification code;
Based on the consent of the store or prior to the consent of the store, the store is associated with the identification code by selecting an authentication item selected from the information on the store as a member store using the settlement A temporary registration unit that temporarily registers and issues the identification code to the temporarily registered store;
A generation unit configured to generate the identification code for use in the commerce in the temporarily registered store;
An information processing apparatus, comprising: a settlement processing unit that executes a process of withdrawing a payment amount of the commercial transaction from a first account associated with the user based on a settlement request from the user.   The settlement processing unit deposits the amount of the consideration for the transaction to the second account when the information on the second account associated with the temporarily registered store is included in the authentication item. The information processing apparatus according to claim 1, which executes a process. The information processing apparatus further includes an instruction unit that instructs, based on the authentication item, the temporarily registered store a procedure necessary for a payment process related to settlement of the commerce,
The payment processing unit executes a process of depositing the amount of the consideration for the transaction to the second account associated with the temporarily registered store when the procedure necessary for the deposit process is completed. The information processing apparatus according to Item 1. When the information required for the main registration as the affiliated store is requested to the temporarily registered shop and the information required for the main registration is acquired, the temporarily registered shop is regarded as the affiliated store It further has a registration department to register
The settlement processing unit, when the store is registration, the amount of compensation of the transaction, said executing the processing for payment to the second account account associated with the registered store in claim 1 Information processor as described.   The information processing apparatus according to any one of claims 1 to 4, wherein the generation unit displays the identification code on a terminal of the shop or a terminal of the user.   The information processing apparatus according to any one of claims 1 to 5, wherein the authentication item includes at least one of an e-mail address or a telephone number.   7. The information processing system according to any one of claims 1 to 6, wherein, when the total amount of the consideration for the transaction exceeds a predetermined amount, the temporarily registered store requests information necessary for the full registration as the affiliated store. The information processing apparatus described in the item.   7. The information processing system according to any one of claims 1 to 6, wherein, when a predetermined time has passed since the commerce has occurred, information required for the official registration as the affiliated store is requested to the temporarily registered store. Information processing equipment.   7. The information processing system according to any one of claims 1 to 6, wherein, when the commerce has occurred a predetermined number of times or more, information required for the main registration as the affiliated store is requested to the temporarily registered store. Information processing device. An information processing method for performing settlement of commerce by a user in a store using an identification code by an information processing apparatus having a storage unit, a temporary registration unit, a generation unit, and a settlement processing unit ,
The storage unit storing information related to the store and the identification code;
The temporary registration unit performs the settlement by associating the identification code with an authentication item selected from information related to the store based on the consent of the store or prior to the consent of the store. Temporarily registering as a member store using the above, and issuing the identification code to the temporarily registered store;
The generation unit generates the identification code for use in the commerce in the temporarily registered store;
The settlement processing unit, based on the settlement request from the user, an information processing method and a step of executing processing for the amount of compensation of the transaction, is dispensed from a first account account associated with the user . An information processing program that causes an information processing apparatus to execute an information processing method for settling a commercial transaction by a user at a store using an identification code,
Storing information about the store and the identification code;
Based on the consent of the store or prior to the consent of the store, the store is associated with the identification code by selecting an authentication item selected from the information on the store as a member store using the settlement Temporarily registering, and issuing the identification code to the temporarily registered store;
Generating the identification code for use in the commerce in the temporarily registered store;
An information processing program for executing a process of withdrawing an amount of consideration for the commercial transaction from a first account associated with the user based on a settlement request from the user.

Images