JP6648096B2 - Code purchase and settlement system, settlement code server device, product seller terminal, product purchaser terminal, settlement financial institution server device, program, recording medium, and operation method - Google Patents

Description

  TECHNICAL FIELD The present invention relates to a system and the like that enable smooth and secure payment of product purchases.

  As a means of payment when a consumer purchases a product, the use of a credit card or a debit card (also referred to as a credit card, etc.) has conventionally been known. It is also used as an effective payment method in transactions at. As a specific settlement method, in the case of a transaction at an actual store, bring the product to the cash register and read the barcode or tag attached to the product with a terminal such as a code reader installed at the store cash register Further, a credit card or the like of the product purchaser is read using a device such as a card reader to perform a payment process for purchasing the product. In the case of a transaction on the EC site, a product desired to be purchased is selected, and a settlement process for purchasing the product is performed by inputting a number attached to a credit card or the like.

  In recent years, various modes have been seen in settlement methods using a credit card or the like. In Patent Literature 1, when a physical store is a product seller, a product purchaser reads a code attached to a product using his / her own mobile terminal to obtain a two-dimensional code including an ID for product purchase. After receiving the payment, the payment system is completed by displaying the two-dimensional code on a receipt issuing machine installed in the store. It has been disclosed.

JP 2014-10521 A

  However, the technology described in Patent Document 1 requires a store to assign a two-dimensional code to each product, and the management cost is so large that it cannot be ignored. In addition, it is a technology that is difficult to introduce in the first place in small and medium-sized enterprises and the like that do not have an infrastructure environment for issuing and managing the two-dimensional code. Furthermore, the technology described in Patent Document 1 employs a configuration in which a store clerk uses a receipt issuing machine installed in a store to confirm the fact of product purchase. This can be a situation in which consumers form queues and become crowded, which is hardly a fundamental technology for reducing the stress on product purchasers who are lining up at cash registers.

  Furthermore, since the in-store receipt issuing machine is used, sensitive information such as the credit card number of the product purchaser will be known to the product seller, and the risk of personal information leakage for the product purchaser will be raised. Become. On the other hand, the product seller also receives sensitive information of the product purchaser each time a transaction is made, and the management cost of such information becomes heavy.

  In order to solve the above-described problems, the present invention provides product sales information that associates a product seller ID, which is information for authenticating a product seller, with a product ID, which is information for identifying a product. A payment code issuance request receiving unit that receives a payment code issuance request that is at least a payment code issuance request from the product seller terminal, and product seller authentication information that is information for authenticating the product seller ID. The product seller authentication information storage unit, the product seller ID authentication unit that authenticates the product seller ID included in the payment code issuance request based on the product seller authentication information, and the product seller ID authentication unit A settlement code issuing unit for issuing, to the product seller terminal, a settlement code including at least the product sales information held when the seller ID is authenticated; A settlement code server device having a settlement code content transmitting unit for transmitting settlement code contents as information to the settlement financial institution server device, and a settlement code issue request output unit for outputting a settlement code issuance request; From a product seller terminal having a payment code acquisition unit for acquiring a payment code in response to a payment code issuance request, a payment code output unit for outputting the acquired payment code, and a product seller terminal. A payment code reading unit that reads the payment code to be output, a payment request output unit that outputs a request for access permission to the financial institution server device using the personal information, and a payment request based on the read payment code. A product purchaser terminal having: an access permission request obtaining unit that obtains an access permission request output from the product purchaser terminal; Information, an access permission request determination unit that determines whether to permit an access permission request using the stored personal information, and an access permission request determination unit that determines that the access permission request is permitted. A settlement request acquisition unit for acquiring a settlement request output from the product purchaser terminal when the determination result is a result of the determination, a settlement code content receiving unit for receiving settlement code content from the settlement code server device, and the acquired settlement The present invention proposes a code purchase and settlement system including a settlement financial institution server device having a settlement processing unit for performing settlement for settlement using the settlement code content that has received the request.

  According to the present invention having the above-described configuration, a product seller can manage individual products by using a code regardless of its business scale, thereby reducing the burden of a cash register operation. . Also, by obtaining the effect, the product purchaser can complete the settlement without giving the product seller its own sensitive information, and the product seller can also use the product purchaser's sensitive information. In addition to reducing management costs, the reduced burden on cash register operations will reduce the floor space dedicated to cash registers and ensure the effective use of store floor space, such as securing a wide product display space in actual stores.

Conceptual diagram of the code purchase and settlement system according to the first embodiment FIG. 2 is a diagram illustrating an example of functional blocks of a code purchase and settlement system according to a first embodiment. FIG. 1 is a schematic diagram illustrating an example of a functional configuration of a code server device for payment that configures a code purchase and payment system according to a first embodiment when the functional components are implemented as hardware. FIG. 2 is a schematic diagram illustrating an example of a functional configuration of a product seller terminal included in the code purchase and settlement system according to the first embodiment when the functional configuration is implemented as hardware; FIG. 2 is a schematic diagram illustrating an example of a functional configuration of a product purchaser terminal included in the code purchase and settlement system according to the first embodiment when the functional configuration is implemented as hardware; FIG. 1 is a schematic diagram illustrating an example of a functional configuration of a financial institution server device that constitutes a code purchase and settlement system according to a first embodiment when the functional components are implemented as hardware. FIG. 3 is a diagram illustrating an example of a processing flow of the code purchase and settlement system according to the first embodiment. The figure which shows an example of the functional block of the code purchase settlement system of Embodiment 2. The figure which shows an example of the functional block of the code purchase payment system of Embodiment 3. The figure which shows an example of the functional block of the code purchase payment system of Embodiment 4.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. The mutual relationship between the embodiment and the claims is as follows. First, the first embodiment mainly corresponds to claims 1, 2, 7 to 23, and the like. The second embodiment mainly corresponds to claims 3 and 4. Embodiment 3 mainly corresponds to claim 5 and the like. Embodiment 4 mainly corresponds to claim 6 and the like. The present invention is not limited to these embodiments at all, and can be implemented in various modes without departing from the gist of the invention.

<< First Embodiment >>
<Overview>

  FIG. 1 is a conceptual diagram of the code purchase and settlement system of the present embodiment. As shown in the figure, in the code purchase and settlement system of the present embodiment, a settlement code 0101 in which a product seller and a product are associated is issued and issued to the product seller. Settlement with the financial institution for settlement using the payment code. Since the product seller can have the payment code server device issue the code associated with the product on behalf of itself, it is necessary to independently build a system to issue the code for product management by itself. Absent. Also, since the product purchaser uses the payment code to directly send and receive information to and from the financial institution server for payment, it is necessary for the product seller to build a system such as a POS cash register system for payment. Disappears. Furthermore, product buyers do not need to provide sensitive information, such as personal information necessary for payment, to product sellers, and can conduct transactions with peace of mind. Since there is no need to store the information, it is possible to reduce the risk of managing the personal information of the customer, which tends to be complicated.

  In the following description, the code purchase / payment system for the product will be described in accordance with the above description. Naturally, the costs required for subscription and use can also be included as settlement targets.

<Functional configuration>
FIG. 2 is a diagram illustrating an example of functional blocks of the code purchase and settlement system of the present embodiment. As shown in this figure, the “code purchase and settlement system” 0200 of the present embodiment includes a “payment code server device” 0210, a “product seller terminal” 0220, a “product purchaser terminal” 0230, and a “payment”. Financial institution server device "0240, the" payment code server device "0210 includes a" payment code issuance request receiving unit "0211, a" product seller authentication information storage unit "0212, and a" product seller ". An “ID authentication unit” 0213, a “payment code issuing unit” 0214, and a “payment code content transmission unit” 0215, and the “product seller terminal” 0220 is a “payment code issue request output unit” 0221, a “payment code acquisition unit” 0222, and a “payment code output unit” 0223. The “product purchaser terminal” 0230 has a “payment code reading unit” 0231 and a “payment request output unit” 0232, and the “payment financial institution server device” 0240 is an “access permission request acquisition unit”. 0241, “payment request acquisition unit” 0242, “personal information storage unit” 0243, “access permission request determination unit” 0244, “payment code content receiving unit” 0245, “payment processing unit” 0246, Having.

  Note that the functional blocks of each device constituting the code purchase and settlement system described below can be realized as hardware, software, or both hardware and software. Specifically, if a computer is used, a CPU, a main memory, a GPU, an image memory, a graphic board, a bus, or a secondary storage device (a hard disk, a nonvolatile memory, a storage medium such as a CD or a DVD, Media read drive), input devices used for inputting information, hardware components such as digital cameras, scanners, printers, and other external peripheral devices, and interfaces for the external peripheral devices, communication interfaces, A driver program for controlling the hardware and other application programs are included. Then, by the arithmetic processing of the CPU in accordance with the program developed on the main memory, data input from an input device or other interfaces and stored in the memory or hardware are processed and accumulated, And instructions for controlling software. Here, the above program may be realized as a plurality of modularized programs, or may be realized as one program by combining two or more programs.

  The present invention can be realized as a system by combining a plurality of devices. Then, it is also possible to configure a part of each device as software. Further, a recording medium on which such software is recorded is naturally included in the technical scope of the present invention (the present invention is not limited to the present embodiment, and is the same throughout the present specification).

(Functional configuration of payment code server device, etc.)
The settlement code server device of the present embodiment is usually managed by a business different from the product seller, and transmits and receives information to and from a plurality of product seller terminals via a network. It is conceivable that the payment is performed by the same business entity as the settlement financial institution server device which will be described in detail later. The burden of sensitive information management on product buyers can be reduced for the business entity that is the managing entity.

  The “payment code issuance request receiving unit” 0211 is a payment including at least product sales information in which a product seller ID that is information for authenticating a product seller and a product ID that is information for identifying a product are associated. It is configured to receive a settlement code issuance request, which is a request for issuing a use code, from a product seller terminal.

  The “product seller authentication information storage unit” 0212 is configured to hold product seller authentication information that is information for authenticating the product seller ID.

  The “product seller ID authentication unit” 0213 is configured to authenticate the product seller ID included in the payment code issuance request based on the product seller authentication information. Note that the “product seller ID” here refers to general information for specifying the product seller, and does not need to be one specific information. Therefore, the product seller ID described in the settlement code issuance request receiving unit and the product seller ID in the product seller ID authentication unit may be the same or different information.

  The “payment code issuing unit” 0214 issues a payment code including at least the product sales information held when the product seller ID is authenticated by the product seller ID authentication unit to the product seller terminal. It is configured as follows. The settlement code issued here is information that is ultimately used in the settlement financial institution server device.

  The “payment code content transmission unit” 0215 is configured to transmit the payment code content, which is information included in the payment code, to the payment financial institution server device. An example of the transmission mode is to perform a so-called pull-type process of transmitting when a transmission request for specific payment code content is received from the payment financial institution server device. Push-type processing for transmitting the settlement code content to the financial institution server device may be performed.

(Functional configuration of product seller terminal, etc.)
The product seller terminal according to the present embodiment is generally considered to be managed by a product seller in a store or the like, but may be a terminal that collectively handles various information handled by a plurality of product sellers. In other words, all information on products handled by a plurality of branches managed by the same product seller besides the head office may be managed by the same product seller terminal. By adopting such a configuration, product management of a product seller operating a business in a wide area can be performed more efficiently.

  The “payment code issuance request output unit” 0221 is configured to output a payment code issuance request.

  The “payment code acquisition unit” 0222 is configured to acquire a payment code in response to a payment code issuance request.

  The “payment code output unit” 0223 is configured to output the acquired payment code.

(Functional configuration of product purchaser terminals, etc.)
The product purchaser terminal of the present embodiment is a terminal managed by each product purchaser, and is usually a mobile terminal such as a mobile phone or a smartphone.

  The “payment code reading unit” 0231 is configured to read the payment code output from the product seller terminal. Specifically, it can be realized by a device such as a code reader.

  The “payment request output unit” 0232 is configured to output an access permission request to the financial institution server device for payment using the personal information and a payment request based on the read payment code.

(Functional configuration of financial institution server device for settlement, etc.)
The settlement financial institution server device of the present embodiment stores personal information of a product purchaser for settlement. Specifically, in addition to settlement financial institutions such as banks and shinkin banks, credit card companies and settlement companies It is managed by a business entity that performs transactions for settlement directly or indirectly with a settlement financial institution such as an agency.

  The “access permission request acquisition unit” 0241 is configured to acquire an access permission request output from the product purchaser terminal.

  The “payment request acquisition unit” 0242 is configured to acquire a payment request output from the product purchaser terminal when the result of determination by the access permission request determination unit described later is a result of determination that the access permission request is permitted. You.

  The “personal information storage unit” 0243 is configured to store personal information.

  The “access permission request determining unit” 0244 is configured to determine whether to permit the access permission request using the stored personal information.

  The “payment code content receiving unit” 0245 is configured to receive the payment code content from the payment code server device.

  Here, a payment code server device authentication information holding unit that holds authentication information of the payment code server device, and a payment code server that authenticates using the authentication information that is held in communication with the payment code server device. It is also conceivable to adopt a configuration in which a device authentication unit is provided. With this configuration, it is easier to confirm the authenticity of the payment code server device that is the source of the payment code content that is manually received by the payment code content receiving unit, and to secure the security of the transaction.

  The “processing unit for payment” 0246 is configured to perform processing for payment using the code content for payment that has received the obtained payment request. Specifically, it is conceivable to transmit a signal for instructing an external device for performing a payment process to perform a payment using the code content for payment.

<Specific configuration>
FIG. 3 to FIG. 6 illustrate the functional components of the settlement code server device, the product seller terminal, the product purchaser terminal, and the settlement financial institution server device that constitute the code purchase settlement system of the present embodiment, respectively. FIG. 2 is a schematic diagram illustrating an example of a configuration when implemented as hardware. The operation of each hardware component will be described with reference to these drawings.

(Specific configuration of payment code server device)
As shown in FIG. 3, the payment code server device constituting the code purchase / payment system includes a “CPU” 0301 for executing various arithmetic processing, a “storage device (storage medium)” 0302, and a “main memory”. 0303, an “output interface” 0304, an “input interface” 0305, and an “internet communication interface” 0306. For example, a “display” 0307, a “printer” 0308, and a “keyboard” 0309 are provided via input / output interfaces. , The “touch panel” 0310 and the like, and the Internet communication interface to transmit and receive information to and from, for example, the “product seller terminal” 0311 and the “payment financial institution server device” 0312. Various programs described below are stored in the storage device, and the CPU reads these various programs into a work area of the main memory, expands and executes the programs. Note that these components are mutually connected by a data communication path such as a “system bus” 0313, and perform information transmission / reception and processing.

  The CPU reads the “product seller authentication information recording program” 0350 from the storage device into the main memory, executes the program, receives input of product seller authentication information that is information for authenticating the product seller ID, and receives the information. It is stored at a predetermined address in the main memory.

(Specific processing of the payment code issue request receiving unit)
The CPU reads the “payment code issuance request receiving program” 0360 from the storage device into the main memory and executes the program, and identifies the product seller ID and the product, which are information for authenticating the product seller, from the product seller terminal. A payment code issuance request is received, which is a payment code issuance request that includes at least product sales information associated with a product ID that is information for performing the payment.

(Specific processing of the product seller ID authentication unit)
The CPU reads the “product seller ID authentication program” 0370 from the storage device into the main memory and executes the program, reads the product seller authentication information stored in the main memory, and executes the payment code issue request receiving program. Authentication processing of the obtained product seller ID is performed.

(Specific processing of the payment code issuing unit)
The CPU reads the “payment code issuing program” 0380 from the storage device into the main memory, and executes the program if the execution result of the product seller ID authentication program is a result of authentication, and includes at least the product sales information. A process for issuing a payment code to the product seller terminal is performed.

(Specific processing of the payment code content transmission unit)
The CPU reads the “payment code content transmission program” 0390 from the storage device to the main memory and executes the program, and transmits the payment code content, which is information included in the payment code, to the payment financial institution server device. Do.

(Specific configuration of product seller terminal)
As shown in FIG. 4, a product seller terminal constituting the code purchase and settlement system includes a “CPU” 0401 for executing various arithmetic processing, a “storage device (storage medium)” 0402, and a “main memory” 0403. , An “output interface” 0404, an “input interface” 0405, and an “internet communication interface” 0406. For example, a “display” 0407, a “printer” 0408, and a “code reader” 0409 are provided via an input / output interface. The information is transmitted / received to / from, for example, a “payment code server device” 0411 via the “touch panel” 0410 and the Internet communication interface. Various programs described below are stored in the storage device, and the CPU reads these various programs into a work area of the main memory, expands and executes the programs. Note that these components are mutually connected by a data communication path such as a “system bus” 0412, and perform transmission / reception and processing of information.

(Specific processing of the payment code issuance request output unit)
The CPU reads the “payment code issuance request program” 0450 from the storage device into the main memory, executes the program, and outputs a payment code issuance request to the payment code server device.

(Specific processing of the payment code acquisition unit)
The CPU reads out the “payment code acquisition program” 0460 from the storage device into the main memory and executes it, acquires the payment code from the payment code server device, and stores the code at a predetermined address in the main memory.

(Specific processing of the payment code output unit)
The CPU reads the “payment code output program” 0470 from the storage device into the main memory and executes it to perform processing for reading and outputting the payment code.

(Specific configuration of product purchaser terminal)
As shown in FIG. 5, the product purchaser terminal constituting the code purchase and settlement system includes a “CPU” 0501 for executing various arithmetic processing, a “storage device (storage medium)” 0502, and a “main memory” 0503. , An “output interface” 0504, an “input interface” 0505, and an “internet communication interface” 0506. For example, “display” 0507, “speaker” 0508, “camera” 0509, Information is transmitted / received to / from an external peripheral device such as a “payment financial institution server device” 0512 via the “code reader” 0510, the “touch panel” 0511, and the Internet communication interface. Various programs described below are stored in the storage device, and the CPU reads these various programs into a work area of the main memory, expands and executes the programs. Note that these components are mutually connected by a data communication path such as a “system bus” 0513, and perform transmission / reception and processing of information.

(Specific processing of payment code reading unit)
The CPU reads the “payment code reading program” 0550 from the storage device into the main memory and executes it, reads the payment code output from the product seller terminal, and stores the code at a predetermined address in the main memory.

(Specific processing of the settlement request output unit)
The CPU reads out the “payment request output program” 0560 from the storage device into the main memory and executes the program. The CPU obtains the access permission request to the financial institution server device for payment using the personal information and the execution of the code reading program for payment. A process of outputting a settlement request based on the settlement code and the settlement financial institution server device is performed.

(Specific configuration in financial institution server device for settlement)
As shown in FIG. 6, the financial institution server device for payment that constitutes the code purchase / payment system includes a “CPU” 0601 for executing various arithmetic processing, a “storage device (storage medium)” 0602, and a “main memory”. 0603, an “output interface” 0604, an “input interface” 0605, and an “internet communication interface” 0606. For example, via an input / output interface, for example, a “display” 0607, a “printer” 0608, a “keyboard” 0609, the “touch panel” 0610, and information transmission / reception with external peripheral devices such as the “payment code server device” 0611 and the “product purchaser terminal” 0612 via the Internet communication interface. Various programs described below are stored in the storage device, and the CPU reads these various programs into a work area of the main memory, expands and executes the programs. Note that these components are mutually connected by a data communication path such as a “system bus” 0613, and perform transmission / reception and processing of information.

  The CPU reads the “personal information recording program” 0691 from the storage device into the main memory and executes the program, records personal information in individual units, and stores the personal information at a predetermined address in the main memory.

(Specific processing of the access permission request acquisition unit)
The CPU reads the “access permission request acquisition program” 0692 from the storage device into the main memory and executes the program, acquires the access permission request output from the product purchaser terminal, and stores the request at a predetermined address in the main memory.

(Specific processing of the access permission request determination unit)
The CPU reads the “access permission request determination program” 0693 from the storage device into the main memory, executes the program, reads out the personal information stored by executing the personal information recording program, and obtains the personal information by executing the access permission request acquisition program. A process for determining whether to permit the access permission request is performed.

(Specific processing of the settlement request acquisition unit)
The CPU reads out the “payment request acquisition program” 0694 from the storage device into the main memory and executes it, acquires the payment request output from the product purchaser terminal, and stores the payment request at a predetermined address in the main memory.

(Specific processing of the payment code content receiving unit)
The CPU reads the “payment code content receiving program” 0695 from the storage device into the main memory, and executes the payment code server device authentication program if the execution result of the authentication code server device authentication program is a result of the authentication. The payment code content is received from the server device and stored at a predetermined address in the main memory.

(Specific processing of the payment processing unit)
The CPU reads out the “payment processing program” 0696 from the storage device into the main memory, executes the same, reads out the payment request obtained by executing the payment request acquisition program, and obtains the payment request obtained by executing the payment code content reception program. A process for associating the settlement request with the settlement code content is performed, and a process for settlement is performed based on the association.

<Process flow>
FIG. 7 is a diagram illustrating an example of a processing flow in the code purchase settlement system of the present embodiment. The flow of the process in FIG. In step S0701, the product seller terminal transmits a payment code issuance request to the payment code server device (payment code issuance request output step), and the payment code server device issues the payment code as step S0702. The request is received (payment code issuance request receiving step), and it is determined in step S0703 whether the product seller ID included in the payment code issuance request can be authenticated based on the product seller authentication information (product seller ID). Authentication step). If the determination result indicates that the authentication can be performed, the process proceeds to step S0704. If the determination result indicates that the authentication cannot be performed, the subsequent process is not performed. In step S0704, the payment code server issues a payment code including at least product sales information to the product seller terminal (payment code issuing step).

  In step S0705, a payment code corresponding to the payment code issuance request is acquired at the product seller terminal (payment code acquisition step), and in step S0706, the product seller terminal acquires the payment code acquisition step. Output the acquired payment code (payment code output step).

  Thereafter, the product purchaser terminal reads the settlement code output in the settlement code output step as step S0707 (payment code reading step), and in step S0708 uses the personal information to the settlement financial institution server device. And outputs an access permission request and a settlement request based on the settlement code read in the settlement code reading step (settlement request output step). In the settlement financial institution server device, when an access permission request is obtained from the product purchaser terminal in step S0709 (access permission request obtaining step), the access permission request is permitted using the accumulated personal information in step S0710. Is performed (access permission request determination step). If the determination result indicates that the content is permitted, the process proceeds to step S0711. If the determination result indicates that the content is not permitted, the subsequent process is not performed.

  When the settlement financial institution server device acquires the settlement request output from the product purchaser terminal in step S0711 (settlement request acquisition step), the settlement code server device stores the information included in the settlement code as step S0712. The settlement code content is transmitted to the settlement financial institution server device (settlement code content transmission step), and the settlement financial institution server device receives the settlement code content as step S0713 (settlement code content reception step). Thereafter, in step S0714, the payment request obtained in the payment request obtaining step is confirmed using the code content for payment received in the code content receiving step for payment, and a process for payment is performed (processing step for payment).

  Note that the processing flow described so far is only an example, and for example, the payment code content receiving step may be performed before the completion request obtaining step. Before the above-described processing is performed, the payment code server device records product seller authentication information, which is information for authenticating the product seller ID (product seller authentication information recording step). In the settlement financial institution server device, personal information of the user is recorded (personal information recording step), and authentication information of the settlement code server device is recorded (payment code server authentication information recording step).

<Effect>
By using the code purchase and settlement system having the above configuration, product sellers can manage individual products using codes regardless of their business scale, and reduce the burden on cash register operations Can be. Also, by obtaining the effect, the product purchaser can complete the settlement without giving the product seller its own sensitive information, and the product seller can also use the product purchaser's sensitive information. In addition to reducing the management costs, the reduced burden on the cash register operation will reduce the floor space dedicated to cash registers and ensure the effective use of the store floor area, such as securing a wide product display space in actual stores.

<< Embodiment 2 >>
<Overview>

  The code purchase and settlement system according to the present embodiment is basically the same as the code purchase and settlement system according to the first embodiment, except that the settlement financial institution server further acquires a settlement processing result that is a result of the settlement processing. The payment processing result is output, and the product purchaser terminal further receives and holds the output payment processing result. By adopting such a configuration, it is possible to promptly inform the product purchaser of the settlement result and smoothly carry out the take-out of the product at the actual store.

<Functional configuration>
FIG. 8 is a diagram illustrating an example of functional blocks of the code purchase and settlement system of the present embodiment. As shown in this figure, the “code purchase and settlement system” 0800 of the present embodiment includes a “payment code server device” 0810, a “product seller terminal” 0820, a “product purchaser terminal” 0830, and a “payment”. Financial institution server device ”0840, and the“ payment code server device ”0810 includes a“ payment code issuance request receiving unit ”0811, a“ product seller authentication information storage unit ”0812, and a“ product seller ”. An “ID authentication unit” 0813, a “payment code issuing unit” 0814, and a “payment code content transmission unit” 0815, and the “product seller terminal” 0820 is a “payment code issue request output unit” 0821, “payment code with payment amount issuance request output unit” 0824, “payment code acquisition unit” 0822, and “payment code output unit” 0823. The “product purchaser terminal” 0830 includes a “payment code reading unit” 0831, a “payment request output unit” 0832, a “payment processing result receiving unit” 0833, a “payment processing result holding unit” 0834, The “financial institution server device for settlement” 0840 includes an “access permission request acquisition unit” 0841, a “payment request acquisition unit” 0842, a “personal information storage unit” 0843, and an “access permission request determination unit”. 0844, a “payment code content receiving unit” 0845, a “payment processing unit” 0846, a “payment processing result acquisition unit” 0847, and a “payment processing result output unit” 0848. Since the basic configuration is the same as the code purchase and settlement system described with reference to FIG. 2 of the first embodiment, the following points are different from each other, namely, “payment process result receiving unit” 0833 and “payment process result holding unit” 0834. The functions of the “acquisition unit for settlement processing result” 0847 and the “output unit for settlement processing result” 0848 will be described.

  The “acquisition unit for settlement processing result” 0847 is configured to acquire the settlement processing result, which is the result of the settlement processing, in the settlement financial institution server device. Specifically, it is conceivable to obtain information indicating that the payment has been completed or information indicating that the payment has been impossible as the processing result for the payment.

  The “settlement processing result output unit” 0848 is configured to output the acquired settlement processing result in the settlement financial institution server device. Specifically, it is conceivable to output the payment request to the product purchaser terminal that is the output destination of the payment request.

  The “payment processing result receiving unit” 0833 is configured to receive the output payment processing result at the product purchaser terminal.

  The “settlement processing result holding unit” 0834 is configured to hold the received settlement processing result at the product purchaser terminal.

  Here, the determination unit that determines whether the payment processing result held in the payment processing result holding unit is a normal termination payment processing result that is a payment processing result indicating that the payment processing has been correctly completed at the time of product purchase. And if the result of the determination by the determination unit is a result of the normal processing settlement processing, a returnable information output that outputs returnable information indicating that the product is returnable. It is also conceivable to adopt a configuration in which a unit is further provided. It is conceivable that the returnable information referred to here is information that can pass through a gate provided near the entrance of the actual store without warning information. By adopting this configuration, the product purchaser can bring back the completed product without arranging at the cash register at the physical store, and not only is the burden on the cash register etc. for the product seller, but also the product carried by the customer Can be reduced in the process of sequentially checking whether or not is already purchased.

<Specific configuration>
The hardware configuration of each device constituting the code purchase and settlement system of the present embodiment is basically the hardware configuration of each device constituting the code purchase and settlement system of the first embodiment described with reference to FIGS. Is the same as Therefore, in the following, the "final processing result acquisition unit" and "payment processing result output unit" of the financial institution server device for payment, and the "processing result receiving unit" of the product purchaser terminal, which have not been described, are described below. Specific processing will be described.

(Specific processing of the settlement processing result acquisition unit)
The CPU reads the “payment processing result acquisition program” from the storage device into the main memory and executes the program. The CPU accepts the transmission of the payment processing result from an external device such as a server device that has performed the payment processing, and receives a predetermined address in the main memory. To be stored.

(Specific processing of the settlement processing result output unit)
The CPU reads out the “settlement processing result output program” from the storage device to the main memory and executes the program, and outputs information obtained by executing the settlement processing result acquisition program to a predetermined product purchaser terminal.

(Specific processing of the settlement processing result receiving unit)
The CPU reads out the “settlement processing result receiving program” from the storage device to the main memory and executes the program, receives the settlement processing result output from the settlement financial institution server device, and stores the result at a predetermined address in the main memory.

<Process flow>
The flow of processing in the code purchase / payment system of this embodiment is as follows. The payment financial institution server device acquires and outputs the payment processing result after step S0714, and outputs the payment processing result at the product purchaser terminal. Except for receiving and recording, it is basically the same as the processing flow of the first embodiment shown in FIG.

<Effect>
By using the code purchase and settlement system having the above configuration, the settlement result can be promptly transmitted to the product purchaser, and the take-out of the product at the actual store can be realized smoothly.

<< Embodiment 3 >>
<Overview>

  The code purchase / payment system of this embodiment is basically the same as the code purchase / payment system described in any one of the first and second embodiments. It is characterized in that a payment code issuance request including the payment amount information that is the information indicating the payment amount in the sales information is output. With this configuration, it is possible to construct a payment system that flexibly responds to changes in sales prices by product sellers.

<Functional configuration>
FIG. 9 is a diagram illustrating an example of functional blocks of the code purchase and settlement system according to the present embodiment. As shown in this figure, the “code purchase and settlement system” 0900 of the present embodiment includes a “payment code server device” 0910, a “product seller terminal” 0920, a “product purchaser terminal” 0930, and a “payment”. "Financial institution server device" 0940, the "payment code server device" 0910 includes a "payment code issuance request receiving unit" 0911, a "product seller authentication information storage unit" 0912, and a "product seller". It has an “ID authentication unit” 0913, a “payment code issuing unit” 0914, and a “payment code content transmission unit” 0915, and the “product seller terminal” 0920 is a “payment code issuing request output unit”. 0921, a “payment code issuance request output unit with payment amount” 0924, a “payment code acquisition unit” 0922, and a “payment code output unit” 0923. The “product purchaser terminal” 0930 includes a “payment code reading unit” 0931 and a “payment request output unit” 0932, and the “payment financial institution server device” 0940 includes an “access permission request acquisition unit”. 0941, "payment request acquisition unit" 0942, "personal information storage unit" 0943, "access permission request determination unit" 0944, "payment code content receiving unit" 0945, and "payment processing unit" 0946. And Since the basic configuration is common to the code purchase / payment system described with reference to FIG. 2 of the first embodiment, the function of the “payment code with payment amount issuance request output unit” 0924 which is a difference will be described below.

  The “payment code issuance request output unit with payment amount” 0924 is a product seller terminal that outputs a payment code issuance request including payment amount information that is information indicating the payment amount in the product sales information. It is configured to output a payment code issuance request.

<Specific configuration>
The hardware configuration of each device constituting the code purchase and settlement system of the present embodiment is basically the hardware configuration of each device constituting the code purchase and settlement system of the first embodiment described with reference to FIGS. Is the same as Therefore, in the following, specific processing of the “payment code with payment amount issue request output unit” of the product seller terminal, which has not been described, will be described.

(Specific processing of payment code issue request output means with payment amount)
When executing the payment code issuance request output program, the CPU reads the “payment code issuance code issuance request output subprogram with payment amount” from the storage device to the main memory and executes the program. The product sales information is information indicating the payment amount. A settlement code issuance request including the amount information is output.

<Process flow>
The flow of processing in the code purchase / payment system according to the present embodiment is output in a payment code issuance request output step, and includes a payment code issuance request including the payment amount, which is information indicating the payment amount in the product sales information. Otherwise, the processing flow is basically the same as the processing flow of the first embodiment shown in FIG.

<Effect>
By using the code purchase settlement system having the above configuration, it is possible to construct a settlement system that flexibly responds to changes in sales prices by product sellers.

<< Embodiment 4 >>
<Overview>

  The code purchase and settlement system according to the present embodiment is basically the same as the code purchase and settlement system according to any one of the first to third embodiments, except that the product seller authentication information storage unit of the code server device for settlement includes As the product seller authentication information that is information for authenticating the product seller ID, the product seller authentication information for each entity including the product seller name and, if the product seller has a branch, the branch name is held. It is characterized by: With this configuration, even a single product seller can flexibly cope with settlements in various transaction modes according to the circumstances of each region and each store.

<Functional configuration>
FIG. 10 is a diagram illustrating an example of functional blocks of the code purchase and settlement system according to the present embodiment. As shown in this figure, the “code purchase and settlement system” 1000 of the present embodiment includes a “payment code server device” 1010, a “product seller terminal” 1020, a “product purchaser terminal” 1030, and a “payment”. "Financial institution server device" 1040, and the "payment code server device" 1010 includes a "payment code issuance request receiving unit"1011; a "product seller authentication information storage unit"1012; It has a “seller authentication information storage unit” 1016, a “product seller ID authentication unit” 1013, a “payment code issuing unit” 1014, and a “payment code content transmission unit” 1015, and has a “product seller”. The “terminal” 1020 includes a “payment code issuance request output unit” 1021, a “payment code acquisition unit” 1022, and a “payment code output unit” 1023. The “product purchaser terminal” 1030 has a “payment code reading unit” 1031 and a “payment request output unit” 1032, and the “payment financial institution server device” 1040 is an “access permission request acquisition unit”. 1041, a "payment request acquisition unit" 1042, a "personal information storage unit" 1043, an "access permission request determination unit" 1044, a "payment code content receiving unit" 1045, and a "payment processing unit" 1046. And Since the basic configuration is common to the code purchase and settlement system described with reference to FIG. 2 of the first embodiment, the function of the “subject-specific product seller authentication information storage unit” 1016 which is a difference will be described below.

  The “product seller authentication information storage means for each subject” 1016 stores the product seller name and the product seller as product seller authentication information that is information for authenticating the product seller ID in the payment code server device. In the case where has a branch, it is configured to hold the entity-specific product seller authentication information including the branch name.

<Specific configuration>
The hardware configuration of each device constituting the code purchase and settlement system of the present embodiment is basically the hardware configuration of each device constituting the code purchase and settlement system of the first embodiment described with reference to FIGS. Is the same as Therefore, in the following, a specific process related to the “unit-specific product seller authentication information storage means” of the payment code server device, which has not been described, will be described.

  When executing the product seller authentication information recording program, the CPU reads out the “subject-specific product seller authentication information recording subprogram” from the storage device to the main memory and executes the program to authenticate the product seller ID. As the seller authentication information, the product seller name and, if the product seller has a branch, the product seller authentication information by entity including the branch name are recorded and stored at a predetermined address in the main memory.

<Process flow>
The flow of processing in the code purchase settlement system of the present embodiment is recorded in the product seller authentication information recording step, and includes the product seller name, and the entity including the branch name when the product seller has a branch. Except for the product seller authentication information, it is basically the same as the processing flow of the first embodiment shown in FIG.

<Effect>
By using the code purchase and settlement system having the above configuration, even a single product seller can flexibly cope with various types of transaction settlements according to the actual conditions of each region and each store. Become.

0200: Code purchase and settlement system, 0210: Payment code server device, 0211: Payment code issue request receiving unit, 0212: Product seller authentication information storage unit, 0213: Product seller ID authentication unit, 0214: Payment code issue Unit, 0215: Payment code content transmission unit, 0220: Product seller terminal, 0221: Payment code issue request output unit, 0222: Payment code acquisition unit, 0223: Payment code output unit, 0230: Product purchaser terminal , 0231 payment code reading unit, 0232 payment request output unit, 0240 payment financial institution server device, 0241 access permission request acquisition unit, 0242 payment request acquisition unit, 0243 personal information storage unit, 0244 access Permission request determination unit, 0245: settlement code content receiving unit, 0246: settlement process

Claims (4)

A payment code issuance request that is a payment code issuance request that includes at least product sales information that associates a product seller ID that is information for authenticating a product seller with a product ID that is information for identifying a product. A payment code issuance request receiving unit that receives
A product seller authentication information storage unit that holds product seller authentication information that is information for authenticating the product seller ID,
A product seller ID authentication unit that authenticates a product seller ID included in the payment code issuance request based on the product seller authentication information;
A payment code issuing unit that issues, to the product seller terminal, a payment code including at least product sales information held when the product seller ID is authenticated by the product seller ID authentication unit;
What information der that is included in the settlement for the code, and the settlement for the code content transmission unit that transmits the settlement for the code content, including both the product seller ID and product ID to the settlement for the financial institution server device,
A payment code server device having
A payment code issuance request output unit that outputs a payment code issuance request;
A payment code acquisition unit that acquires a payment code in response to a payment code issuance request;
The acquired payment code is converted into a payment code reading unit that reads the payment code output from the product seller terminal, an access permission request to the payment financial institution server device using the personal information, and the read payment code. A payment request output unit that outputs a payment request based on the payment code output unit that outputs the payment code to the payment code acquisition unit of the product purchaser terminal .
The payment code issuance request output unit outputs a payment code issuance request including the payment amount information, which is information indicating the payment amount in the product sales information. Code issue request output means
A product seller terminal having
An access permission request acquisition unit that acquires an access permission request output from a product purchaser terminal, a personal information storage unit that stores personal information, and an access that determines whether to permit the access permission request using the stored personal information. A permission request determination unit, a payment code reading unit that reads a payment code output from the product seller terminal when the determination result in the access permission request determination unit determines that the access permission request is permitted, Using the information, a settlement request output from a product purchaser terminal having a settlement request output unit for outputting an access permission request to the settlement financial institution server device and a settlement request based on the read settlement code is acquired. A settlement request acquisition unit,
A payment code content receiving unit that receives payment code content from the payment code server device;
A payment processing unit that performs processing for payment using the payment code content that has received the obtained payment request,
A financial institution server device for settlement having
Code purchase and settlement system consisting of   A code server for settlement used in the code purchase settlement system according to claim 1.   A product seller terminal used in the code purchase and settlement system according to claim 1.   A settlement financial institution server device used in the code purchase settlement system according to claim 1.

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