JP6652379B2 - Payment system - Google Patents

Description

  The present invention relates to a technique for performing payment by selectively using a plurality of electronic payment means available to a user.

  In commercial facilities such as stores, credit cards of a plurality of different credit card issuing companies (hereinafter referred to as “Issuer”) or credit cards of a plurality of different brands can be often used. In addition, there are customers who have a plurality of issuers or a plurality of brands of credit cards and use them properly. In such a case, the customer may determine a credit card to be used for payment in consideration of a privilege given when using the credit card. In order to reduce the burden on the customer regarding the proper use of credit cards, Japanese Patent Application Laid-Open No. H10-163,873 discloses a service that provides the user with the most advantageous service at a user's store from a plurality of credit settlement services registered in the user's mobile terminal. It is described that a credit settlement service that can be used is automatically selected.

JP 2008-146240 A

For customers, know in advance which credit card will be used at each verification facility and what benefits will be given to them, and which benefits will be beneficial to themselves, and then carry multiple credit cards The burden of properly using these is large. According to the technology described in Patent Literature 1, the burden on the user himself is reduced, but instead, the mobile terminal of the user selects a credit settlement service according to the store, and electronic payment according to the selection. And a mechanism for switching the data to be transmitted. Furthermore, the user's mobile terminal needs to have a payment function corresponding to a plurality of cards. In this case, the mobile terminal needs to store a plurality of PINs (Personal Identification Numbers) in a module that performs communication compliant with NFC (Near Field Communication), for example.
Therefore, the present invention provides a user or a terminal device of the user, which does not perform an operation for selectively using the electronic payment means when the electronic payment is performed. It is to be able to use properly.

In order to solve the above-described problem, the management device of the present invention is data that substitutes identification information of each of a plurality of electronic payment means when electronic payment is performed, and is common to the plurality of electronic payment means. A receiving unit for receiving data, and a selection for selecting any one of the electronic settlement means according to a privilege given when each of the plurality of electronic settlement means is used for the electronic settlement based on the received data. And a payment control unit that transmits a payment request for electronic payment based on the identification information in the selected electronic payment means.
In the management device according to the aspect of the invention, the receiving unit receives the data and store information indicating a store where the electronic payment is used, and the selecting unit is configured based on the received data and the store information. Any one of the electronic payment means may be selected according to a privilege given when each of the plurality of electronic payment means is used for electronic payment at the store.
In the management device of the present invention, the selection unit may select any one of the electronic payment means based on the restrictions on the electronic payment regarding each of the plurality of electronic payment means, in addition to the privilege.
In the management device according to the aspect of the invention, at least one of the plurality of electronic payment units includes a setting unit that sets priority information indicating that the electronic payment unit should be used preferentially. One of the electronic payment means may be selected based on the information.
The management device according to the aspect of the invention may further include a designation reception unit that receives designation of the type of the privilege, wherein the selection unit selects the electronic payment unit such that the grant of the privilege of the type whose designation is received is prioritized. You may.
In the management device according to the aspect of the invention, the receiving unit may be first data that substitutes for the identification information, the first data being common to the plurality of electronic payment units, or the identification information of a predetermined electronic payment unit. Receiving the first data, the payment control unit receives the first data, the identification information in the selected electronic payment unit, and receives the second data, The settlement request may be transmitted based on the identification information in the settlement means.
The management device according to the aspect of the invention includes a notification unit that notifies a user of the selected electronic payment unit, and a response reception unit that receives a response of the user to the notification of the electronic payment unit, wherein the selection unit receives the received electronic payment unit. The selection of the electronic payment means may be changed based on the response.

  The settlement system of the present invention is a settlement system including a user terminal device and a management device, wherein the terminal device is data that substitutes identification information of each of a plurality of electronic settlement means, and the plurality of electronic settlement means A storage unit for storing data common to the storage device, and a transmission unit for transmitting the stored data to the management device when electronic payment is performed, wherein the management device is transmitted by the terminal device. A receiving unit that receives the data, and, based on the received data, selects one of the plurality of electronic payment means according to a privilege given when each of the plurality of electronic payment means is used for the electronic payment. And a settlement control unit for transmitting a settlement request for electronic settlement based on the identification information in the selected electronic settlement means.

  The terminal device of the present invention is a storage unit that stores data that substitutes for the identification information of each of the plurality of electronic payment means, and data that is common to the plurality of electronic payment means. The stored data is used to select one of the electronic payment means in accordance with a privilege given when each of the plurality of electronic payment means is used for the electronic payment, and the identification information in the selected electronic payment means is selected. And a transmission unit for transmitting a payment request for requesting the electronic payment to the management device based on the request.

  The program according to the present invention is a computer for a terminal device including a storage unit that stores data that substitutes the identification information of each of the plurality of electronic payment means and is common to the plurality of electronic payment means. When performed, the stored data is selected from any of the plurality of electronic payment means according to a privilege given when each of the plurality of electronic payment means is used for the electronic payment. A program for executing a step of transmitting a payment request for requesting the electronic payment to a management device based on the identification information in the means.

  According to the present invention, it is possible to selectively use the electronic payment means according to the privilege given to the user without performing an operation for selectively using the electronic payment means when the electronic payment is performed.

FIG. 1 is a diagram illustrating an overall configuration of a payment system according to a first embodiment of the present invention. FIG. 2 is a block diagram showing a configuration of the wireless communication terminal according to the embodiment. FIG. 2 is a block diagram showing a hardware configuration of the card type terminal according to the embodiment. FIG. 2 is a block diagram showing a hardware configuration of the token management server according to the embodiment. FIG. 2 is a block diagram showing a functional configuration of the card type terminal and the token management server according to the embodiment. FIG. 3 is a sequence diagram showing processing when settlement is performed using a master token in the settlement system according to the embodiment. FIG. 7 is an exemplary sequence diagram illustrating processing when settlement is performed using an individual token in the settlement system according to the embodiment. FIG. 3 is a diagram showing a configuration of a card selection table and a token management table according to the embodiment. FIG. 11 is an exemplary sequence diagram illustrating another example of processing when settlement is performed using the master token in the settlement system according to the embodiment. FIG. 13 is a diagram showing a configuration of a token management table according to the second embodiment of the present invention. FIG. 2 is a block diagram showing a functional configuration of the card type terminal and the token management server according to the embodiment. FIG. 3 is a sequence diagram showing processing when settlement is performed using a master token in the settlement system according to the embodiment. The block diagram showing the functional composition of the card type terminal and the token management server concerning a third embodiment of the present invention. FIG. 3 is a sequence diagram showing processing when settlement is performed using a master token in the settlement system according to the embodiment. The figure which shows the inquiry screen which concerns on the embodiment. FIG. 9 is a block diagram showing a functional configuration of a wireless communication terminal and a token management server according to a modification of the present invention.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. Hereinafter, a case will be described in which the electronic payment according to the present invention is performed using electronic payment means using a credit card function. The identification information of the credit card function is a credit card number also called a PAN (PAN: Primary Account Number).

[First Embodiment]
FIG. 1 is a diagram illustrating an overall configuration of a settlement system 1 according to a first embodiment of the present invention. The payment system 1 includes a wireless communication terminal 10, a card-type terminal 20, a store terminal 30 (30P, 30Q), a token management server 40, a CLO (Card Linked Offer) server 50, and a payment server 60 (60A, 60B). , 60C). The store terminal 30 and the token management server 40 are connected via a network 100A such as a dedicated line. The token management server 40 and the wireless communication terminal 10 are connected via a network 100B that is a public communication line such as the Internet. The connection between the token management server 40 and the wireless communication terminal 10 is necessary at least in a second embodiment described later, but this connection may not be required in the present embodiment.

  The wireless communication terminal 10 and the card type terminal 20 are terminal devices that are carried and used by a user U who is the same user. The wireless communication terminal 10 is a smartphone in the present embodiment, but may be a device such as a feature phone, a tablet computer, a notebook computer, or various wearable computers. The card type terminal 20 is a card type terminal device. Note that the card-type terminal 20 may be replaced with a non-card-type terminal device such as a wearable type or a key holder type. The wireless communication terminal 10 and the card type terminal 20 have a function of performing an electronic payment by a credit card function. When making the electronic payment, the user U brings the card-type terminal 20 or the wireless communication terminal 10 close to the reader / writer device of the store terminal 30 (for example, an electronic cash register). A store P and a store Q shown in FIG. 1 are an example of a commercial facility that provides goods or services to customers and receives money from the customers for the provision. The customer pays money (price, fee or cost) to the store in consideration of the provided goods or services. The store terminal installed in the store P is referred to as “store terminal 30P”, and the store terminal installed in the store Q is referred to as “store terminal 30Q”.

  The wireless communication terminal 10 and the card-type terminal 20 have a function of performing wireless communication (hereinafter, referred to as “short-range wireless communication”) by connecting wirelessly when approaching within a certain distance. The wireless communication terminal 10 and the card-type terminal 20 transmit and receive data related to electronic payment using short-range wireless communication.

  The token management server 40 is a management device that manages tokens used for electronic payment. The token is data replacing the PAN, and indicates a character string replaced from the PAN. Here, the character string is composed of a plurality of consecutive characters. The characters are, for example, numbers or alphabets, but may be other characters represented by character codes. As described above, the electronic settlement in which the token is used as a substitute for the PAN is sometimes called a token settlement. One of the merits of token payment is that electronic payment can be performed without handling PAN, and thus the risk of information leakage is reduced. However, the electronic payment of the present embodiment differs from the conventional token payment in that there are two types of tokens, a “master token” and an “individual token”. The master token is an example of the first data of the present invention, and is data indicating a character string that substitutes for PAN in each of a plurality of credit card functions, and is data common to the plurality of credit card functions. That is, the master token indicates a common character string replaced with a plurality of different PANs. On the other hand, the individual token is an example of the second data of the present invention, and is data that replaces any one of the PANs. That is, the individual token indicates a single character string replaced by one PAN.

  The CLO server 50 is a server device that manages information related to a privilege given to a customer who uses electronic payment by a credit card function. The privilege of the present embodiment is, for example, a monetary value such as a discount for discounting the money originally to be paid by the customer, the application of part or all of the money, and the provision of points (for example, shopping points). In addition, the privilege may be provided to the customer by a physical item such as a prize or cash back, or may not be equivalent to the provision of a monetary value.

The payment server 60 is a server device that performs a payment process such as a payment amount withdrawal process based on the PAN received from the token management server 40. The settlement server 60A is managed and operated by Issuer A, the settlement server 60B is managed and operated by Issuer B, and the settlement server 60C is managed and operated by Issuer C.
Although two store terminals 30P and 30Q are shown as the store terminals 30 in FIG. 1, there are actually more store terminals. Further, two or four or more payment servers 60 may exist.

FIG. 2 is a diagram illustrating a hardware configuration of the wireless communication terminal 10. As shown in FIG. 2, the wireless communication terminal 10 includes a control unit 11, a UI (User Interface) unit 12, a storage unit 13, a network communication unit 14, a short-range wireless communication unit 15, a non-contact IC, And a chip 16.
The control unit 11 includes a CPU as an arithmetic processing unit, and a processor including a memory including a ROM (Read Only Memory) and a RAM (Random Access Memory). The CPU controls each unit of the wireless communication terminal 10 by reading the program stored in the ROM or the storage unit 13 into the RAM and executing the program.

  The UI unit 12 includes a display unit (for example, a liquid crystal display) that displays an image on a display surface, and a user interface including a touch sensor that is provided on the display surface of the display unit and that receives an operation input by a user's contact. It is. The wireless communication terminal 10 may further include another operation unit such as a physical key, or may have a function of receiving an operation by voice input.

The storage unit 13 includes a storage device such as an EEPROM (Electronically Erasable and Programmable ROM) and a flash memory, and stores data such as an OS (Operating System) executed by the control unit 11 and programs running on the OS. . Further, the storage unit 13 stores a card selection table 131. The card selection table 131 is a table in which “card selection” and “ON / OFF” information are associated with each other. In the example of FIG. 2, “automatic” stored in the “card selection” field is associated with “ON” stored in the “ON / OFF” field, and stored in the “card selection” field. "Manual" and "OFF" stored in the "ON / OFF" field are associated with each other. That is, the card selection table 131 is set so that the selection of the credit card function (the issuer or the brand in the present embodiment) to be used for electronic payment is performed without the user's designation, that is, automatically. When a credit card is automatically selected, electronic payment using a master token is performed. Conversely, when a credit card is selected manually, electronic payment using an individual token designated by the user is performed.
Note that the card selection table 131 is updated according to the user's operation on the UI unit 12 or the like.

The network communication unit 14 has, for example, a wireless communication circuit and an antenna, and performs communication by connecting to the network 100B.
The short-range wireless communication unit 15 performs short-range wireless communication with an external device. In this embodiment, the short-range wireless communication is Bluetooth (registered trademark) 4.0 (so-called Bluetooth Low Energy), but another method such as Wi-Fi (registered trademark) or ANT may be adopted.
The non-contact IC chip 16 has a processor, an antenna, and a memory area used for reading and writing data, and is an IC chip for performing proximity non-contact communication. In this embodiment, the non-contact IC chip 16 transmits a master token or an individual token when electronic payment is performed.

FIG. 3 is a block diagram showing a hardware configuration of the card type terminal 20. As shown in FIG. 3, the card-type terminal 20 includes a control unit 21, a non-contact IC chip 22, a short-range wireless communication unit 23, and a storage unit 24. Each of the control unit 21, the non-contact IC chip 22, the short-range wireless communication unit 23, and the storage unit 24 has the same configuration as, for example, a hardware circuit of the same name included in the wireless communication terminal 10.
In the control unit 21, the CPU controls each unit of the card-type terminal 20 by reading out a program stored in the ROM or the storage unit 24 into the RAM and executing the program.

The storage unit 24 stores a token management table 241. The token management table 241 is a table in which pieces of information of “token” and “status” are associated with each other. The “token” field stores a master token or an individual token. The “status” field stores status information indicating the status of use of the token. In the example of FIG. 3, "Master Token M" stored in the "Token" field is associated with "Active" stored in the "Status" field. This indicates that the token used for electronic payment is the master token M. In the example of FIG. 3, “individual token IA” and “individual token IB” stored in the “token” field are associated with “Slave” stored in the “status” field. This means that the individual token IA and the individual token IB are not used for electronic payment.
The token management table 241 is updated according to, for example, a user operation of the UI unit 12 or the like. When the card type terminal 20 has a UI, the card type terminal 20 may receive a user operation on the UI and update the token management table 241 according to the operation.

FIG. 4 is a diagram illustrating a hardware configuration of the token management server 40. As shown in FIG. 4, the token management server 40 includes a control unit 41, a communication unit 42, and a storage unit 43.
The control unit 41 includes a CPU as an arithmetic processing device, and a processor including a memory including a ROM and a RAM. The CPU controls each unit of the token management server 40 by reading the program stored in the ROM or the storage unit 43 into the RAM and executing the program.
The communication unit 42 includes, for example, a modem, and communicates with each of the store terminal 30, the CLO server 50, and the payment server 60.

The storage unit 43 includes, for example, a hard disk device, and stores data such as an OS executed by the control unit 41 and a program operating on the OS. Further, the storage unit 43 stores a token management table 431 and a privilege management table 432.
The token management table 431 is a table in which pieces of information such as “token”, “issuer”, and “PAN” are associated with each other. In the example of FIG. 4, “Issuer A”, “Issuer B” and “Issuer C” are associated with the token “Master Token M” as an issuer, and “01234XXXXXX” which is a PAN of the credit card function of the issuer A , "56789YYYYY" which is the PAN of the credit cart function of Issuer B, and "13579ZZZZZ" which is the PAN of the credit cart function of Issuer C. This means that the master token M can be replaced with any of the issuer A credit card PAN “01234XXXXXX”, the issuer B credit card PAN “56789XXXXXXX”, and the issuer C credit card PAN “13579ZZZZZ”. It means there is.

In the token management table 431, "Issuer A" is associated with the token "individual token IA" as the issuer, and "01234XXXXXX" is associated with the PAN. This means that the individual token IA can be converted only to the issuer A's credit card PAN “01234XXXXXX”. In the token management table 431, "Issuer B" is associated with the token "individual token IB" as the issuer, and "56789YYYYY" is associated with the PAN. This means that the individual token IB can be converted into only the PAN “56789YYYYY” of the issuer B credit card. Further, in the token management table 431, “Issuer C” is associated with the token “individual token IC” as the issuer, and “13579ZZZZZ” is associated with the PAN. This means that the individual token IC can be converted only to the issuer C credit card PAN “13579ZZZZZ”.
Although the token management table 431 actually stores data relating to each of a plurality of users, FIG. 4 shows only data relating to the user U in this embodiment for the sake of simplicity. .

The privilege management table 432 is a table in which information of “store ID”, “issuer”, and “privilege” are associated with each other. The store ID corresponds to store information indicating a store. In the example of FIG. 4, “Issue A” is associated with the shop ID “SH-P” as an issuer, and “Price 5% OFF” is associated with a benefit. This indicates that, in the store 30P indicated by the store ID “SH-P”, when electronic payment is performed by the credit card function of Issuer A, a privilege of reducing the payment amount by 5% is given. In the example of FIG. 4, “Issuer B” is associated with the shop ID “SH-P” as an issuer, and “100 points of company T” is associated with a benefit. This means that in the store 30P indicated by the store ID “SH-P”, when electronic payment is made by the credit card function of Issuer B, 100 points of company T are given as a privilege. In the example of FIG. 4, “Issuer C” is associated with the shop ID “SH-P” as an issuer, and further, “K shop 500 yen discount coupon” is associated with the benefit. This indicates that, in the store 30P indicated by the store ID “SH-P”, if electronic payment is made by the credit card function of Issuer C, a 500-yen discount coupon that can be used at K store is given as a privilege.
In addition, regarding the store 30Q, respective information of “store ID”, “issuer”, and “privilege” are associated with each other.

FIG. 5 is a block diagram showing a functional configuration of the card type terminal 20 and the token management server 40. As shown in FIG. 5, the card-type terminal 20 realizes functions corresponding to the token management unit 201 and the token transmission unit 202 by executing a program.
The token management unit 201 functions as a data management unit that manages the token management table 241 by communicating with the wireless communication terminal 10. The token transmission unit 202 functions as a transmission unit that transmits, to the store terminal 30, a token whose status is “Active” among the tokens stored in the token management table 241 when electronic payment is performed. When the token management table 241 is in the state shown in FIG. 3, the token transmitting unit 202 transmits the master token M.
The token management unit 201 is realized by the control unit 21 and the short-range wireless communication unit 23, and the token transmission unit 202 is realized by the control unit 21 and the non-contact IC chip 22.

The token management server 40 realizes functions corresponding to the token receiving unit 401, the selecting unit 402, and the settlement control unit 403 by executing the program.
The token receiving unit 401 functions as a receiving unit that receives the token transmitted by the token transmitting unit 202 when electronic payment is performed. In the present embodiment, the token receiving unit 401 further receives a store ID indicating a store where electronic payment is used.
When the master token is received by the token receiving unit 401, the selecting unit 402 selects any one of a plurality of credit card functions specified by the master token as a credit card function to be used for electronic payment. I do. At this time, the selection unit 402 selects one of the credit card functions according to the privilege given to the user when each of the plurality of credit card functions is used for electronic payment. In the present embodiment, the selection unit 402 determines whether each of the plurality of credit card functions specified by the master token is used for electronic payment at the store indicated by the store ID based on the received token and the store ID. Select one of the credit card functions according to the privilege to be given.
Note that when the individual token is received by the token receiving unit 401, the selecting unit 402 does not select the credit card function.

The payment control unit 403 is a payment control unit that transmits a payment request for electronic payment to the payment server 60 based on the PAN specified from the master token or the individual token. When electronic payment using the master token is performed, the payment control unit 403 transmits a payment request based on the PAN in the credit card function selected by the selection unit 402. When the token payment is performed using the individual token, the payment control unit 403 transmits a payment request based on the PAN in the credit card function specified by the individual token.
Note that the token receiving unit 401 is realized by the control unit 41 and the communication unit 42. The selection unit 402 is realized by the control unit 41. The settlement control unit 403 is realized by the control unit 41 and the communication unit 42.

Next, the operation of the present embodiment will be described.
<A: Electronic payment using master token>
FIG. 6 is a sequence diagram showing processing when settlement is performed using the master token in the settlement system 1. For example, the user U sets the token management table 241 to the state shown in FIG. 3 when the user U wants to receive a privilege that is more valuable to himself than to use which credit card to make electronic payment.
At a predetermined timing (for example, once a day), the CLO server 50 transmits setting data for setting privilege information to the privilege management table 432 to the token management server 40 (step S1). The token management server 40 updates the privilege management table 432 based on the received setting data (Step S2). By this setting, the privilege management table 432 is assumed to be in the state shown in FIG.

  Next, it is assumed that the user U visits the store P for shopping, and attempts to make an electronic payment using the card type terminal 20. In this case, the user U brings the card type terminal 20 close to the reader / writer device of the store terminal 30P. Then, the card type terminal 20 transmits “Master Token M”, which is a token whose status is “Active” in the token management table 241, to the store terminal 30 P via the non-contact IC chip 22 (step S 3). ). When the store terminal 30P receives the master token M from the card-type terminal 20, the store terminal 30P associates the received master token M with the store ID “SH-P” and transmits it to the token management server 40 (step S4).

  Upon receiving the master token M and the store ID (step S5), the token management server 40 selects a credit card function used for electronic payment from among a plurality of credit card functions specified from the master token (step S6). Here, the token management server 40 refers to a plurality of issuer benefits stored in the privilege management table 432 in association with the received store ID. Then, the token management server 40 specifies a privilege that is the most valuable for the user U among the privileges of the issuer. For example, the token management server 40 compares the monetary value corresponding to the settlement amount of 5% OFF, the monetary value of 100 points of company T, and the monetary value of the 500 yen discount coupon of the K store, and determines the most monetary value (ie, Identify benefits that have the highest value at monetary prices). Then, the token management server 40 selects the issuer's credit card function to which the privilege is given as the one to be used for electronic payment.

  The token management server 40 transmits a payment request including the PAN in the selected credit card function to the payment server 60 (Step S7). The payment server 60 performs a payment process for completing the electronic payment based on the PAN included in the received payment request. If the credit card function of Issuer A is selected in step S6, the token management server 40 transmits a payment request including “01234XXXXXX” as the PAN to the payment server 60A. In this case, the payment server 60A performs a payment process using the credit card function specified by the received PAN “01234XXXXXX”. When the credit card function of Issuer B is selected, the token management server 40 transmits “56789YYYYY” as the PAN to the settlement server 60B. When the credit card function of Issuer C is selected in step S6, the token management server 40 transmits “13579ZZZZZ” as the PAN to the settlement server 60C. After that, authorization is performed between the payment server 60 and the store terminal 30, and the payment server 60 completes the payment processing.

  As described above, the token management server 40 automatically selects the credit card function used for electronic payment according to the privilege given to the user U. On the other hand, the token transmitted by the card type terminal 20 is a master token regardless of which credit card function is selected. Therefore, the card-type terminal 20 does not need to perform an operation for switching a token to be transmitted even when a plurality of credit card functions are properly used. In addition, the user U does not need to carry around a plurality of credit cards and use the credit cards properly.

<B: Electronic payment using individual tokens>
FIG. 7 is a sequence diagram illustrating processing when electronic payment is performed using an individual token in the payment system 1. The user U sets the token management table 241 to the state illustrated in FIG. 8 when the user U wants to perform electronic payment using the credit card function of the issuer A designated by the user U.
Note that the processes in S1 and S2 are common to those in the case of electronic settlement using a master token, and are not shown in FIG.

  It is assumed that the user U visits the store P for shopping and brings the card type terminal 20 close to the reader / writer device of the store terminal 30P. In response to this proximity, the card type terminal 20 sends the “individual token IA”, which is a token whose status is “Active” in the token management table 241, to the store terminal 30 P via the non-contact IC chip 22. It transmits (step S11). When the store terminal 30P receives the individual token IA from the card type terminal 20, the store terminal 30P associates the received individual token IA with the store ID “SH-P” and transmits it to the token management server 40 (step S12).

  When receiving the individual token IA and the store ID (step S13), the token management server 40 acquires the PAN “12345XXXXXX” associated with the individual token IA from the token management table 431. Then, the token management server 40 transmits a payment request including the PAN “12345XXXXXX” to the payment server 60A (Step S14). The payment server 60A performs a payment process using a credit card function specified by the PAN “12345XXXXXX” in accordance with the received payment request.

If the individual token IB has been transmitted in step S11, the token management server 40 transmits PAN “56789YYYYY” to the settlement server 60B. When the individual token IC is transmitted in step S11, the token management server 40 transmits PAN “13579ZZZZZ” to the settlement server 60C.
As described above, when the user U wants to make an electronic payment using the credit card function designated by the user U, the card type terminal 20 transmits an individual token corresponding to the designation.

<C: Electronic payment with master token based on restrictions>
In credit cards, electronic payment restrictions may be set. The restriction items refer to items related to restrictions on the use of electronic settlement, such as a usage limit and a payment method (for example, the number of installments). Therefore, upon receiving the master token in step S5, the token management server 40 may select a credit card function to be used for electronic payment based on the restrictions.

FIG. 9 is a sequence diagram showing processing when electronic payment is performed using the master token in the payment system 1.
The processing of steps S1 to S4 is as described above. Upon receiving the master token M in step S5, the token management server 40 inquires each of the settlement servers 60A, 60B, and 60C about the restrictions on the user U (step S8). When the token management server 40 receives the notification of the restriction from each of the payment servers 60A, 60B, and 60C (step S9), the credit card used for the electronic payment based on the restriction on the user U in addition to the privilege. A function is selected (step S6A). For example, the token management server 40 excludes a credit card function that cannot be used due to restrictions (for example, the usage amount has reached the usage limit, etc.), and selects a credit card according to the privilege from other credit card functions. Select a function. Then, the token management server 40 transmits a settlement request to the settlement server 60 (the settlement server 60A in the example of FIG. 9) corresponding to the selected credit card function (step S7).
As described above, by selecting the credit card function based on the restrictions, the token management server 40 can smoothly execute the processing related to the electronic payment.

  Note that the token management server 40 need not perform the process of inquiring about the restriction items. In this case, the token management server 40 transmits the PAN in the credit card function selected according to the privilege to the settlement server 60. Then, when the payment server 60 notifies that the electronic payment is not possible due to the restriction, the token management server 40 sets the privilege from among the other credit card functions except the credit card function. Select the appropriate credit card function. That is, the token management server 40 ends the processing in FIG. 9 when the electronic payment is completed by any of the credit card functions.

[Second embodiment]
The settlement system 1 of the present embodiment differs from the above-described first embodiment in that not only a privilege but also a type of privilege desired for each user can be preferentially provided. I do. In the present embodiment, elements denoted by the same reference numerals as those in the above-described first embodiment function in the same manner as in the above-described first embodiment.

FIG. 10 is a block diagram illustrating a configuration of the token management table 431A according to the present embodiment.
The token management table 431A is a table in which information of “use priority information” and “grant priority privilege” are associated with “token”, “issuer”, and “PAN”. “Usage priority information” is information corresponding to the priority information of the present invention, and is information that is set in at least one of a plurality of credit card functions and indicates that it should be used with priority. In the example of FIG. 10, the priority of the credit card function of Issuer A is “1”, the priority of the credit card function of Issuer B is “2”, and the priority of the credit card function of Issuer C is the token “Master Token M”. The degree is associated as “3”. Here, a credit card function having a higher use priority is associated with a smaller numerical priority. In the present embodiment, in the token management table 431A, the numerical value indicating the priority of use is associated with all PANs corresponding to the master token, but may be associated with only some PANs. Further, the use priority information may be data in the form of a flag indicating that it should be used with priority, and the specific data format does not matter.

  The grant priority privilege is information indicating the type of privilege to be preferentially granted. In the example of FIG. 9, “T company point” is associated with the token “Master token M” as the grant priority privilege. In addition, the token management server 40 associates each information of the token management table 431A with the store ID of the store to which the information is applied so that the specific credit card function is preferentially used in the specific store. It may have a table.

FIG. 11 is a block diagram showing a functional configuration of the card type terminal 20 and the token management server 40.
By executing the program, the token management server 40 realizes functions corresponding to the designation receiving unit 404 and the setting unit 405 in addition to the token receiving unit 401, the selecting unit 402A, and the settlement control unit 403. The functions of the token receiving unit 401 and the settlement control unit 403 are the same as those in the first embodiment.
The designation accepting unit 404 functions as a designation accepting unit that accepts designation of the type of privilege by the user U via the wireless communication terminal 10. In this case, the user U operates the wireless communication terminal 10 to set use priority information or grant priority privilege.

The setting unit 405 functions as a setting unit that sets the token management table 431A based on the specification received by the specification receiving unit 404.
The designation receiving unit 404 is realized by the control unit 41 and the communication unit 42. The setting unit 405 is realized by the control unit 41.

FIG. 12 is a sequence diagram illustrating processing when settlement is performed using the master token in the settlement system 1.
When the user U has designated the use priority information or the grant priority privilege, the wireless communication terminal 10 transmits a setting request corresponding to the designation to the token management server 40 (step S21). Then, the token management server 40 sets the token management table 431A according to the received setting request (Step S22). By this setting, the privilege management table 432 is assumed to be in the state shown in FIG.

  It is assumed that the user U visits the store P for shopping and brings the card type terminal 20 close to the reader / writer device of the store terminal 30P. In response to this proximity, the card type terminal 20 transmits the “master token M” to the store terminal 30P via the non-contact IC chip 22 (step S3). When the store terminal 30P receives the master token M from the card-type terminal 20, the store terminal 30P associates the received master token M with the store ID “SH-P” and transmits it to the token management server 40 (step S4).

Upon receiving the master token M and the store ID (step S5), the token management server 40 selects a credit card function to be used for electronic payment (step S6B). Here, when the use priority information is set, the token management server 40 selects the credit card function with the highest use priority information. In addition, when the grant priority benefit is set, the token management server 40 selects a credit card function to which the benefit indicated by the grant priority benefit is given. However, if a credit card function that cannot be used due to restrictions is included, the token management server 40 uses the credit card function from among the other credit card functions for electronic payment according to the use priority information or the grant priority privilege. Select credit card function.
Then, the token management server 40 transmits a payment request including the PAN in the credit card function selected in step S6B to the corresponding payment server 60.

[Third embodiment]
The payment system 1 of the present embodiment provides the user with an electronic payment means selected in accordance with the privilege to be provided to the user in order to allow the user to preferentially provide a desired type of privilege. Notifying and further selecting the electronic settlement means to be finally used according to the response from the user. In the present embodiment, elements denoted by the same reference numerals as those in the above-described first embodiment function in the same manner as in the above-described first embodiment.

FIG. 13 is a block diagram illustrating a functional configuration of the card type terminal 20 and the token management server 40.
By executing the program, the token management server 40 corresponds to the notifying unit 406, the response receiving unit 407, and the setting unit 408 in addition to the token receiving unit 401, the selecting unit 402B, and the settlement control unit 403. Implement the function. The functions of the token receiving unit 401 and the settlement control unit 403 are the same as those in the first embodiment.
The notification unit 406 functions as a notification unit that notifies the user of the credit card function selected according to the privilege given to the user by the selection unit 402B. Specifically, the notification unit 406 transmits notification data for notifying the selected credit card function to the wireless communication terminal 10 used by the user U. Based on the received notification data, the wireless communication terminal 10 determines whether or not electronic payment can be performed by the credit card function selected by the token management server 40. Further, if the electronic payment is not permitted, any credit card function The user U is inquired whether to make the payment.

The response receiving unit 407 functions as a response receiving unit that receives a response to the notification by the notification unit 406 from the user U via the wireless communication terminal 10.
The selection unit 402B changes the selection of the credit card function used for electronic payment based on the response received by the response reception unit 407.

The setting unit 408 functions as a setting unit that sets the token management table 431 based on the response received by the response receiving unit 407.
Note that the notification unit 406 and the response reception unit 407 are realized by the control unit 41 and the communication unit 42. The setting unit 408 is realized by the control unit 41.

FIG. 14 is a sequence diagram showing processing when settlement is performed using the master token in the settlement system 1.
After the processes in steps S1 and S2, it is assumed that the user U visits the store P to do shopping and brings the card type terminal 20 close to the reader / writer device of the store terminal 30P. In response to this proximity, the card type terminal 20 transmits the “master token M” to the store terminal 30P via the non-contact IC chip 22 (step S3). When the store terminal 30P receives the master token M from the card-type terminal 20, the store terminal 30P associates the received master token M with the store ID “SH-P” and transmits it to the token management server 40 (step S4). Upon receiving the master token M and the store ID (step S5), the token management server 40 selects a credit card function to be used for electronic payment (step S6).

  Next, the token management server 40 transmits notification data for notifying the selected credit card function to the wireless communication terminal 10 (Step S31). The wireless communication terminal 10 displays, for example, the screen illustrated in FIG. On this screen, select the message "Pay with Issuer A's credit card. Are you sure?", A button B1 marked "Yes" to allow use, and another credit card function And a button B2 marked "OK" for confirming use of the credit card function selected in the pull-down menu P.

  Then, the wireless communication terminal 10 transmits a response to the inquiry to the user U to the token management server 40 in response to the operation of the pull-down menu P, the button B1, and the button B2 (Step S32). Then, upon receiving the response from the user U (step S33), the token management server 40 reselects the PAN of the credit card function used for the electronic payment based on the response (step S34). For example, even when the issuer A's credit card function is selected according to the privilege, the token management server 40 determines whether or not the issuer B's credit card function is designated by the user U. A settlement request including the PAN is transmitted to the settlement server 60. With the configuration related to the reselection of the credit card function, the electronic payment is easily performed by the credit card function according to the intention of the user U.

  The configuration of the present embodiment may be combined with the configuration of the above-described second embodiment. In this case, the token management server 40 (setting unit 405) may reset the use priority information or the grant priority privilege in the token management table 431A according to the response received in step S33. For example, the token management server 40 sets the use priority information to “1” for the reselected issuer, and sets the privilege granted at that time as the grant priority privilege. This makes it easy for electronic payment to be performed by the credit card function according to the intention of the user U in the next and subsequent electronic payments, even if there is no prior setting of the use priority information or the grant priority privilege by the processing of steps S21 and S22. . When the same response content has been received from the user U a predetermined number of times or more, the token management server 40 may reset the use priority information or the grant priority privilege according to the response content. Further, the token management server 40 may set a plurality of the granted priority benefits in association with the priorities. In this case, the token management server 40 performs the electronic payment by preferentially selecting the credit card function to which the privilege with the higher priority is given.

[Modification]
The present invention can be implemented in a mode different from the above-described embodiment. The present invention can be implemented, for example, in the following modes. Further, the following modifications may be appropriately combined with each other.
In the first embodiment described above, the case where the card type terminal 20 transmits the master token to perform the electronic payment has been described, but the wireless communication terminal 10 may transmit the master token to perform the electronic payment.
FIG. 16 is a block diagram illustrating a functional configuration of the wireless communication terminal 10 and the token management server 40 according to the modification. In this case, the wireless communication terminal 10 realizes a function corresponding to the token management unit 101 and the token transmission unit 102 by executing the program. The token management unit 101 functions as a data management unit that manages the token management table 241 according to the operation of the UI unit 12. The token transmission unit 102 functions as a transmission unit that transmits, to the store terminal 30, a token whose status is “Active” among the tokens stored in the token management table 241 when electronic payment is performed. When the token management table 241 is in the state shown in FIG. 3, the token transmitting unit 102 transmits the master token M.
Note that the token management unit 101 is realized by the control unit 11, and the token transmission unit 102 is realized by the control unit 11 and the non-contact IC chip 16.
The rest of the configuration of the settlement system according to this modification may be the same as that of the above-described embodiment.

  The card type terminal 20 may be configured to not store the token management table 241. For example, the card type terminal 20 performs short-range wireless communication with the wireless communication terminal 10 to obtain the token stored in the card selection table 131. Then, the card type terminal 20 stores the token in the RAM of the control unit 21 and transmits the token when using electronic payment.

The token management server 40 may inquire of the CLO server 50 for privilege information and select a credit card function to be used for electronic payment every time an electronic payment is performed. In this case, the token management server 40 determines (identifies) whether the received token is a master token or an individual token. When the token management server 40 determines that the token is the master token, the token management server 40 inquires of the CLO server 50 about the privilege information. On the other hand, when the token management server 40 determines that the token is the individual token, the token management server 40 does not make the inquiry.
The privilege given to the customer by using the credit card function may be common to a plurality of stores. In this case, the store ID does not have to be transmitted in the process of step S4.
The electronic payment according to the present invention is not limited to the one performed by bringing an IC chip close to a reader / writer device. The electronic settlement of the present invention may not be a method performed using a non-contact IC chip. For the electronic payment of the present invention, for example, a card that supplies power to a Dynamic Magnetic Stripe using a battery may be used. For example, the present invention may be applied to electronic payment at an online shopping site. For example, when an operation of confirming the purchase of a product is performed in the wireless communication terminal 10, a master token or an individual token is transmitted from the wireless communication terminal 10 to the token management server 40.

The electronic payment means of the present invention is not limited to means for performing electronic payment using a credit card function. The electronic settlement means of the present invention includes data (that is, value) such as prepaid electronic money, debit cards, points (shopping points, etc.), coupons (electronic coupons), and the like, which have a monetary value equivalent to or equivalent to money. Any electronic settlement means using electronic data called may be used. The identification information of the electronic settlement means in these cases corresponds to an identification number, a member number, or the like assigned to a medium such as a card used by the user for electronic settlement.
Further, the present invention is also applicable to the payment system of the above-described embodiment that does not perform electronic payment using individual tokens.

  The functions realized by the control unit 11 of the wireless communication terminal 10, the control unit 21 of the card-type terminal 20, and the control unit 41 of the token management server 40 according to the above-described embodiment are realized by a combination of a plurality of programs, or It can be realized by cooperation of hardware resources. When the functions of the control units 11, 21 and 41 are realized using a program, the program includes a magnetic recording medium (magnetic tape, magnetic disk (HDD (Hard Disk Drive), FD (Flexible Disk)), etc.), optical It may be provided in a state of being stored in a computer-readable recording medium such as a recording medium (such as an optical disk), a magneto-optical recording medium, or a semiconductor memory, or may be distributed via a network. Further, the present invention can be understood as a settlement control method.

DESCRIPTION OF SYMBOLS 1 ... Payment system, 10 ... Wireless communication terminal, 11, 21, 41 ... Control part, 12 ... UI part, 13, 24, 43 ... Storage part, 131 ... Card selection table, 14 ... Network communication part, 15, 23 ... Short-range wireless communication unit, 16, 22 non-contact IC chip, 20 card type terminal, 101, 201 token management unit, 102, 202 token transmission unit, 241 token management table, 30 store terminal, 40 ... Token management server, 401 ... Token receiving unit, 402, 402A, 402B ... Selecting unit, 403 ... Payment control unit, 404 ... Designation receiving unit, 405,408 ... Setting unit, 406 ... Notification unit, 407 ... Response receiving unit 42 communication unit, 431,431A token management table, 432 privilege management table, 50 CLO server, 60, 60A, 60B, 60C decision Server

Claims (7)

In a payment system including a user terminal device and a management device,
The terminal device,
A first data substituting for a plurality of identification information of a plurality of electronic payment means, the first data being common to the plurality of electronic payment means, and a second data substituting for identification information of a predetermined electronic payment means. And a storage unit that stores status information indicating whether or not each of the first data and the second data is used for electronic payment ,
When electronic payment is performed in a store, transmission of transmitting, to the management device, target data indicating that the status information is used for the electronic payment among the stored first data and the second data. Part and,
The management device,
Storing information of a privilege given when each of the plurality of electronic payment means is used for the electronic payment at the store, storing the plurality of identification information in association with the first data, A storage unit that stores the identification information in association with two data;
A receiving unit that receives the target data transmitted by the terminal device,
In the case where the received target data is the first data, based on the first data and the information on the privilege stored in the storage unit, the plurality of electronic payment means may be selected according to the privilege. A selection unit for selecting one of the electronic payment means,
When the received target data is the first data, the received data includes identification information of the selected electronic payment means among the plurality of identification information stored in the storage unit in association with the first data. When the electronic payment request is transmitted and the received target data is the second data, the electronic payment request including the identification information stored in the storage unit in association with the second data. And a payment control unit for transmitting the payment. The receiving unit receives said target data, and store information indicating the store where the electronic payment is employed,
The selection unit, based on the received target data and the store information, according to a privilege granted when each of the plurality of electronic payment means is used for electronic payment at the store, The payment system according to claim 1, wherein an electronic payment means is selected. The selection unit includes:
The settlement system according to claim 1 or 2, wherein any one of the electronic settlement means is selected based on restrictions on the electronic settlement for each of the plurality of electronic settlement means, in addition to the privilege. . The management device, at least one of the plurality of electronic payment means , comprises a setting unit that sets priority information indicating that it should be used preferentially,
The selection unit includes:
The settlement system according to any one of claims 1 to 3, wherein any one of the electronic settlement means is selected based on the priority information in addition to the privilege. The management device includes a designation receiving unit that receives designation of the type of the privilege,
The selection unit includes:
The payment system according to any one of claims 1 to 4, wherein the electronic payment unit is selected so that the grant of the type of privilege that has been designated is given priority. The management device,
A notification unit that notifies the user of the selected electronic payment means,
A response receiving unit that receives a response from the user to the notification of the electronic payment means,
The selection unit includes:
The payment system according to any one of claims 1 to 5 , wherein the selection of the electronic payment means is changed based on the received response. The management device,
A notification unit that notifies the user of the selected electronic payment means,
A response receiving unit that receives a response from the user to the notification of the electronic payment means,
A changing unit that changes the type of the privilege according to the content of the response,
The selection unit selects the electronic payment means so that the grant of the changed type of privilege is prioritized in another electronic payment performed after the electronic payment.
The settlement system according to claim 5, wherein:

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