JP6880165B1 - Payment program, payment device and payment method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment program, a payment device and a payment method for improving the usability of various remittances. SOLUTION: In a payment system 1, a payment program provides billing information indicating the content of a charge to a user (for example, information indicating a user (billing destination) who has charged a charge, or a business operator who charges a user. When information indicating (billing source), billing amount (billing amount), transaction target to be billed, etc. are accepted, the provision procedure for providing the billing information to the user and for the user to make payment When the operation is performed, the computer is made to execute the payment processing procedure for executing the payment processing for making the payment for the billing contents indicated by the billing information. [Selection diagram] Fig. 1

Description

The present invention relates to a payment program, a payment device and a payment method.

Conventionally, a technique for paying a fee via various networks such as the Internet has been proposed. As an example of such a technique, a technique has been proposed in which when information on fund transfer is acquired, account transfer data for executing fund transfer according to the acquired information is generated and transmitted to a bank system.

Japanese Unexamined Patent Publication No. 2016-126720

However, with the above-mentioned technology, there is room for improving the usability of various remittances such as fund transfer.

For example, in the above-mentioned conventional technique, only the information for executing the fund transfer again is generated for the user who has not performed the fund transfer among the members. Therefore, there is a risk that the account transfer will be performed at a timing unintended by the user who is the source of the remittance.

The present application has been made in view of the above, and an object of the present application is to improve the usability of various remittances.

When the payment program according to the present application receives billing information indicating the content of the billing to the user, the provision procedure for providing the billing information to the user and the operation for the user to make payment are performed. Is characterized in that a computer is made to execute a settlement processing procedure for executing a settlement process for making a payment for a bill having the contents indicated by the billing information.

According to one aspect of the embodiment, there is an effect that the usability of various remittances can be improved.

FIG. 1 is a diagram showing an example of payment processing according to the embodiment. FIG. 2 is a diagram showing an example of content displayed by the electronic payment application. FIG. 3 is a diagram showing a configuration example of the terminal device according to the embodiment. FIG. 4 is a diagram showing a configuration example of the second application according to the embodiment. FIG. 5 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 6 is a diagram showing an example of an account database according to the embodiment. FIG. 7 is a diagram showing an example of a billing information database according to the embodiment. FIG. 8 is a flowchart showing an example of the payment processing procedure according to the embodiment. FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the terminal device.

Hereinafter, a mode for implementing the payment program, the payment device, and the payment method according to the present application (hereinafter referred to as “the embodiment”) will be described in detail with reference to the drawings. The payment program, payment device, and payment method according to the present application are not limited by this embodiment. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

[1. Embodiment]
A payment process realized by the payment program or the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of payment processing according to the embodiment. In FIG. 1, the settlement process by the settlement program according to the embodiment is performed by the terminal device 100 shown in FIG. That is, the terminal device 100 executes the payment process according to the embodiment according to the control by the payment program according to the embodiment.

As shown in FIG. 1, the payment system 1 according to the embodiment includes a payment server 10, a terminal device 100, and a business operator server 200. The payment server 10, the terminal device 100, and the operator server 200 are connected to each other via a network N (see, for example, FIG. 2) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The payment system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of terminal devices 100, and a plurality of business server 200.

The payment server 10 shown in FIG. 1 is an information processing device that provides an electronic payment service related to electronic payment using a terminal device 100 and performs various payments, and is realized by, for example, a server device or a cloud system. For example, the payment server 10 manages the accounts of the provider (business operator) of the transaction target and the user to whom the transaction target is provided, and remits electronic money between the accounts in accordance with the payment request from the user. By doing so, various payments are realized. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. Good.

The terminal device 100 shown in FIG. 1 is an information processing device used by a user. The terminal device 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the terminal device 100 displays the information distributed by the payment server 10 by a web browser or an application. In the example shown in FIG. 1, a case where the terminal device 100 is a smartphone is shown.

The operator server 200 shown in FIG. 1 is an information processing device used by each operator, and is realized by, for example, a server or a cloud system. For example, the business operator server 200 manages billing information regarding billing of charges according to the use of the user's service as information regarding the service provided by each business operator.

Here, an example of payment (electronic payment) using the terminal device 100 will be described prior to the payment process executed by the terminal device 100. In the following description, the user U uses the two-dimensional code (QR code (registered trademark)) arranged in the store, which indicates the store identification information for identifying the store, and the user U uses the terminal device 100. An example of performing settlement using the above will be described, but the embodiment is not limited to this. An example of payment described below can be applied even when an arbitrary user U makes a payment at an arbitrary store using an arbitrary terminal device 100. Further, the store identification information may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases a payment target such as various products or services at a store, the user U activates a payment application pre-installed on the terminal device 100. Then, the user U photographs the store identification information installed in the store via the application. In such a case, the terminal device 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U or the store clerk. Then, the terminal device 100 converts the user information that identifies the user U, the store identification information (or the information indicated by the store identification information, that is, the information indicating the store), and the payment information indicating the payment amount into the payment server. Send to 10.

In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U indicated by the user information to the account of the store indicated by the store identification information. Then, the payment server 10 transmits a notification to the terminal device 100 that the payment has been completed. In such a case, the terminal device 100 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

The payment using the terminal device 100 is not limited to the above-mentioned processing. For example, the payment using the terminal device 100 may be made using a store terminal installed in the store. For example, the terminal device 100 displays the user identification information for identifying the user U on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 100 and setstles the user identification information, the payment amount, and the payment information indicating the store identification information. Send to server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the store, and transfers the electronic money of the amount indicated by the payment amount to the store terminal or terminal device 100 of the store. On the other hand, it may be notified that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the terminal device 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U to the account of the store, but also, for example, a credit card registered in advance by the user U. It may be the payment used. In such a case, for example, the payment server 10 may remit the electronic money of the payment amount to the account of the store and request the payment amount from the credit card management company of the user U.

Further, the payment using the terminal device 100 is not only a process of transferring electronic money from the user U's account to the store's account, but also, for example, a provider who provides a predetermined transaction target from the user U's account. It may be a payment that transfers electronic money to the (business operator) account. In such a case, the user U includes a bar code included in the payment form (for example, the transfer slip used in the convenience store storage agency service) sent by the business operator to the user U, and the terminal device 100 includes a photographing device. Read with (camera). Then, when the terminal device 100 displays the payee and the payment amount indicated by the read barcode on the screen and receives an operation from the user U to approve the remittance to the payee, the user identification information and the user identification information are displayed. The payment information indicating the payment amount and the information for identifying the payee is transmitted to the payment server 10. In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U to the account of the payment destination.

Here, conventionally, as a technique for paying charges via various networks, a technique for generating fund transfer data for executing fund transfer when information on fund transfer is acquired and transmitting it to a bank system is known. ing. However, when remittance is performed using such a technique, there is a risk that the account transfer will be performed at a timing unintended by the user who is the remittance source, and usability may not be good.

Therefore, the terminal device 100 executes the payment process according to the embodiment. Hereinafter, the payment process executed by the terminal device 100 will be described with reference to FIG. In the following description, an example in which the terminal device 100 is used by the user U will be shown. Further, in the following description, the terminal device 100 may be equated with the user U. That is, in the following, the user U can be read as the terminal device 100.

Further, in the following description, the payment system 1 is a business operator server 201 and 202 managed by a business operator that provides a service (public utility) that supplies water, electricity, gas, etc. to the user (hereinafter, "business operator server"). (Sometimes collectively referred to as "200"). The payment system 1 may include an arbitrary number of terminal devices 100 and a business server 200.

First, the business server 200 transmits billing information regarding billing of charges according to the use of each user's service to the payment server 10 (step S1). For example, the business server 200 determines a charge to be charged to each user according to the use of water, electricity, gas, etc., and transmits the billing information regarding the charge of the determined charge to the settlement server 10. To give a specific example, the business server 200 includes information indicating a user (billing destination) who has charged a charge, information indicating a business (billing source) who charges the user, and a billing amount (billing). The billing information including the amount), the transaction target to be billed, the payment due date, and the like is transmitted to the settlement server 10.

Subsequently, the payment server 10 distributes the billing information to the terminal device 100 (step S2). For example, the payment server 10 is a payment that is content corresponding to the billing information and is content for the user U to pay the billing amount corresponding to the billing information together with the billing information corresponding to the user U. The content is delivered to the terminal device 100. To give a specific example, the payment server 10 transfers billing information and payment contents displayed on an application for electronic payment (application provided by the payment server 10) pre-installed on the terminal device 100 to the terminal device 100. To deliver.

Subsequently, the terminal device 100 notifies that new billing information has been delivered (step S3). For example, the terminal device 100 is newly installed on the electronic payment application (application provided by the payment server 10. Hereinafter, may be referred to as "electronic payment application") installed in advance on the application. Notify that the billing information has been delivered. Further, for example, the terminal device 100 displays a push notification that new billing information has been delivered.

Subsequently, the user U selects the billing information to be paid and performs an operation for making a payment corresponding to the billing information (step S4). For example, the user U performs a selection operation for the payment content displayed on the terminal device 100 by the electronic payment application as an operation for making a payment.

Subsequently, the terminal device 100 notifies the payment server 10 of the billing information to be paid (step S5). For example, the terminal device 100 notifies the payment server 10 of the billing information delivered together with the payment content for which the user U has performed the selection operation.

Here, with reference to FIG. 2, various contents displayed on the terminal device 100 by the electronic payment application in the payment processing according to the embodiment will be described. FIG. 2 is a diagram showing an example of content displayed by the electronic payment application.

As shown in FIG. 2, the terminal device 100 displays the content C1 as the initial display when the electronic payment application is activated. For example, the terminal device 100 displays various contents related to the above-mentioned electronic payment. Here, when the selection operation for the button B1 is accepted, the terminal device 100 displays the content C2 related to the billing of various charges from the business operator.

In the example of FIG. 2, the terminal device 100 displays the content C2 including the notification content NC1 for notifying that there is an unpaid bill among the bills corresponding to the billing information delivered from the payment server 10. To do. For example, when the selection operation for the lower part of the content C2 (the area where the character string "read the invoice" is displayed) is accepted, the terminal device 100 performs the processing related to the settlement using the payment form described above. Further, when the selection operation for the notification content NC1 is accepted, the terminal device 100 displays the content C3 regarding the payment content for the bill corresponding to the billing information.

In the example of FIG. 2, the terminal device 100 includes information indicating a history of payments made by the user U using electronic payment for a bill corresponding to the billing information delivered from the payment server 10, and a new bill. The content C3 including the notification content NC2 for notifying that the information has been delivered is displayed. Here, when the selection operation for the notification content NC2 is accepted, the terminal device 100 displays the content C4 indicating the billing information corresponding to the notification content NC2.

In the example of FIG. 2, the terminal device 100 displays the content C4 including the billing information and the payment content PC1. Here, when the selection operation for the payment content PC 1 is accepted, the terminal device 100 notifies the payment server 10 of the billing information indicated by the content C4. Then, the terminal device 100 displays the content C5 indicating that the billing information has been notified to the payment server 10.

The terminal device 100 may notify that new billing information has been delivered in the content C1 and the content C2. Further, the terminal device 100 may arrange and display the push notification corresponding to the delivered billing information on the login screen. Then, the terminal device 100 displays the content C4 by accepting the user's selection operation for the push notification.

Returning to FIG. 1, the explanation will be continued. The payment server 10 transfers money between accounts according to the notified billing information (step S6). For example, the payment server 10 remits electronic money for the billed amount from the account of the user U to the billing source account corresponding to the notified billing information.

As described above, when the terminal device 100 according to the embodiment accepts the distribution of the payment content together with the billing information and receives the selection operation for the payment content, the terminal device 100 notifies the payment server 10 of the billing information (in other words, the billing amount). Notify the remittance request). As a result, the terminal device 100 according to the embodiment indicates the billing information at the timing when the user performs the selection operation for the corresponding payment content after the billing information is delivered, in other words, at the user's arbitrary timing. You can make payments (remittances) for bills. That is, the terminal device 100 according to the embodiment can improve the usability of various remittances.

Further, conventionally, there is known a technique of distributing digitized data (so-called electronic invoice) of an invoice (payment form) created by a business operator to a user. However, when a user makes a payment using an electronic invoice, the code included in the electronic invoice is displayed on the user's terminal device, and the code is read by a terminal installed in a store that provides a storage agency service. It is necessary, and usability may not be good. On the other hand, the terminal device 100 according to the embodiment can pay for the bill indicated by the billing information only by accepting the selection operation for the payment content delivered together with the billing information, so that the usability of various remittances can be improved. Can be improved.

[2. Terminal device configuration]
Next, the terminal device 100 for realizing the above-mentioned payment processing will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of the terminal device according to the embodiment. As shown in FIG. 2, the terminal device 100 includes a communication unit 110, a storage unit 120, a camera 130, a touch panel 140, and a control unit 150.

(About communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 110 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the payment server 10 that distributes the application for electronic payment, the business server 200, and the like.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. In addition, the storage unit 120 stores an image taken by the camera 130.

(About camera 130)
The camera 130 is an imaging device for capturing an image (moving image or still image). The camera 130 is composed of an image sensor such as a CCD (Charged-coupled devices) sensor or a CMOS (Complementary metal-oxide-semiconductor) sensor, for example.

(About touch panel 140)
The touch panel 140 is an input device realized by a liquid crystal display or the like, displaying various information, and receiving various operations from the user with a user's finger or a dedicated pen.

(About control unit 150)
The control unit 150 is a controller, and for example, various programs stored in a storage device inside the terminal device 100 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 150 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

Here, the control unit 150 realizes various functions related to the terminal device 100 by executing a plurality of applications. For example, in the example shown in FIG. 3, the control unit 150 is executing the first application 151 and the second application 152. In addition to the applications shown in FIG. 3, the control unit 150 may execute an arbitrary number of applications for exerting an arbitrary function.

The first application 151 is an application that serves as an OS (Operating System) of the terminal device 100. The second application 152 causes the terminal device 100 to execute the above-mentioned payment process. Hereinafter, an example of the functional configuration of the second application 152 will be described with reference to FIG. FIG. 4 is a diagram showing a configuration example of the second application according to the embodiment. As shown in FIG. 4, the second application 152 according to the embodiment includes a reception unit 1521, a notification unit 1522, a provision unit 1523, a payment processing unit 1524, and a display control unit 1525, which will be described below. Realize or execute the functions and actions of information processing.

(About reception department 1521)
The reception unit 1521 receives billing information and payment content indicating payment. For example, in the example of FIG. 1, the reception unit 1521 pays the billing amount corresponding to the billing information together with the billing information corresponding to the billing information. The payment content, which is the content for the payment, is received from the payment server 10.

(About notification unit 1522)
When the billing information is received, the notification unit 1522 notifies that the billing information has been accepted. For example, in the example of FIG. 1, when the electronic payment application is started, the notification unit 1522 notifies that new billing information has been delivered on the application. To give a specific example, in the example of FIG. 2, the notification unit 1522 notifies that new billing information has been delivered in any of the contents C1 to C3. Further, for example, the terminal device 100 arranges and notifies the push notification corresponding to the delivered billing information on the login screen.

(About the provider 1523)
When the providing unit 1523 receives the billing information indicating the content of the billing to the user, the providing unit 1523 provides the billing information to the user. For example, in the example of FIG. 1, the providing unit 1523 provides billing information to the user U on the electronic payment application.

In addition, the providing unit 1523 may provide billing information when the user selects the notification. For example, in the example of FIG. 2, when the providing unit 1523 accepts the selection operation for the notification content NC2 notifying that the new billing information has been delivered, the providing unit 1523 displays the content C4 indicating the billing information corresponding to the notification content NC2. To do.

In addition, the providing unit 1523 may provide the payment content indicating payment to the user together with the billing information. For example, in the example of FIG. 1, the providing unit 1523 pays the billing amount corresponding to the billing information together with the billing information corresponding to the billing information. The payment content (payment content PC1 in the example of FIG. 2) which is the content for the purpose is provided.

Here, we want to improve convenience by not only providing billing information when billing information is received from the payment server 10, but also providing various information related to billing from each business operator to the user. Such a request can be considered. Therefore, the providing unit 1523 may provide a plurality of billing information to the user. For example, the providing unit 1523 provides the user with a plurality of billing information newly delivered from the payment server 10, billing information that has been delivered, and billing information for which the corresponding billing amount has not been paid. To do. To give a specific example, the providing unit 1523 further provides (displays) a plurality of notification contents corresponding to each of the plurality of billing information in the content C3 shown in FIG.

In addition, the providing unit 1523 may further provide a history of billing information indicating the content of the billing paid by the user. For example, in the example of FIG. 2, the providing unit 1523 contains information indicating the history of payments made by the user U using electronic payment in response to the billing information delivered from the payment server 10. C3 is provided.

In addition, the providing unit 1523 may provide information indicating the billing amount as billing information. For example, in the example of FIG. 2, when the providing unit 1523 accepts the selection operation for the notification content NC2, the providing unit 1523 provides the content C4 including the billing amount corresponding to the notification content NC2.

In addition, the providing unit 1523 may provide information indicating the billing source as billing information. For example, in the example of FIG. 2, when the providing unit 1523 accepts the selection operation for the notification content NC2, the providing unit 1523 further provides the content C4 including the information indicating the billing source corresponding to the notification content NC2.

In addition, the providing unit 1523 may provide information indicating a transaction target to be billed as billing information. For example, in the example of FIG. 2, when the providing unit 1523 accepts the selection operation for the notification content NC2, the content including information indicating the transaction target (for example, water supply, electricity, gas, etc.) corresponding to the notification content NC2. C4 is provided.

Further, when the providing unit 1523 receives the billing information regarding the payment of utility charges, the providing unit 1523 may provide the billing information to the user. For example, the provision unit 1523 provides billing information regarding payment of utility charges charged to the user by a business operator that provides a service (public utility) for supplying water, electricity, gas, etc. to the user U.

In addition, the providing unit 1523 may display a plurality of target information indicating the transaction target to be billed, and display the billing information regarding the transaction target corresponding to the target information selected by the user. For example, in the example of FIG. 2, the providing unit 1523 provides the target information "AAA Denki" indicating the transaction target "electricity", the "AAA gas" corresponding to the transaction target "gas", and the like. Then, when the user U selects the target information "AAA Denki", the billing information delivered from the payment server 10 regarding the transaction target "electricity", the notification corresponding to the billing information, the payment content, and the transaction target "electricity". Provide content (hereinafter, may be referred to as “target content”) including information indicating the history of payment made by the user U using electronic payment in response to the request corresponding to.

In addition, the providing unit 1523 may provide billing information including at least one of information indicating the billing amount, information indicating the billing source, and information indicating the transaction target to be billed. The providing unit 1523 may provide billing information by combining a plurality of the above processes. For example, the providing unit 1523 may provide information indicating the billing amount and information indicating the billing source as billing information.

Here, it is conceivable that there is a desire to improve the convenience of the user by automatically executing the payment process when a bill is generated. Therefore, the providing unit 1523 may provide the billing information regarding the transaction target corresponding to the target information selected by the user and the automatic content indicating that the billing regarding the transaction target corresponding to the target information is automatically performed. .. For example, the providing unit 1523 includes the automatic content for instructing the user to automatically pay the billed amount related to the transaction target in the target content and provides the user.

(About the payment processing unit 1524)
When the user performs an operation for making a payment, the payment processing unit 1524 executes a payment process for making a payment for the request of the content indicated by the billing information. For example, when the user performs an operation for making a payment, the payment processing unit 1524 executes the payment processing using the electronic payment service provided by the payment server 10.

Further, when the user selects the payment content, the payment processing unit 1524 may execute the payment process for paying the bill for the content indicated by the billing information provided together with the payment content. For example, the payment processing unit 1524 executes payment (payment processing) for the billing of the content indicated by the billing information provided together with the payment content selected by the user, using the electronic payment service provided by the payment server 10.

In addition, when the user performs an operation after selecting one of the billing information, the payment processing unit 1524 executes a payment process for paying the bill with the content indicated by the selected billing information. May be good. For example, when the user performs an operation for making a payment after selecting one of the plurality of billing information provided by the providing unit 1523, the payment processing unit 1524 has the content indicated by the selected billing information. The payment process for making payment for the bill is executed by using the electronic payment service provided by the payment server 10.

In addition, the payment processing unit 1524 may execute payment processing for payment of utility charges. For example, the payment processing unit 1524 executes payment processing for paying utility charges charged to the user by a business operator that provides a service (public utility) for supplying water, electricity, gas, etc. to the user.

In addition, the payment processing unit 1524 may notify the external server device that realizes the remittance between accounts of the content of the request indicated by the request information. For example, in the example of FIG. 1, the payment processing unit 1524 notifies the payment server 10 of the billing information delivered together with the payment content for which the user U has performed the selection operation.

In addition, the payment processing unit 1524 executes payment processing for automatically making payment when a request for a transaction target corresponding to the target information selected by the user occurs when the user selects automatic content. You may. For example, when the automatic content included in the target content corresponding to the transaction target "electricity" is selected by the user, the payment processing unit 1524 receives the billing information regarding the transaction target "electricity" from the payment server 10. , Execute the settlement process for automatically paying the billed amount by the payment due date indicated by the billing information. To give a specific example, when the payment processing unit 1524 performs an operation for payment by the user after the billing information regarding the transaction target "electricity" is delivered from the payment server 10 to the payment due date. The payment process is executed according to the operation, and if the user does not perform the operation for making the payment by the payment due date, the payment process for automatically making the payment is executed.

The payment processing unit 1524 may execute the payment processing using the payment form sent by the business operator to the user. For example, the camera 130 reads the barcode included in the payment form via the electronic payment application according to the operation of the user. Then, the settlement processing unit 1524 executes the settlement processing based on the billing source, the billing amount, and the like indicated by the read barcode.

The payment processing unit 1524 may execute payment processing using electronic payment at the store. For example, the payment processing unit 1524 shows the user information for identifying the user, the information indicating the store identification information taken by the camera 130, and the payment amount input to the terminal device 100 by the user or the store clerk. The payment information is transmitted to the payment server 10.

(About display control unit 1525)
The display control unit 1525 controls the display of the screen (touch panel 140) of the terminal device according to the operation of the user, the payment process executed by the payment processing unit 1524, and the like.

When the user makes a payment using the payment form, the display control unit 1525 displays a screen for taking a barcode according to the user's operation and a screen indicating that the payment process has been executed. You may let me. Further, when the user makes a payment using the electronic payment in the store, the display control unit 1525 may control the display of the screen related to the electronic payment according to the operation of the user. For example, the display control unit 1526 sends a screen for capturing an image of store identification information for identifying a store, a screen for receiving input of a payment amount from a user U or a store clerk, and payment information to the payment server 10. Display a screen indicating that the message has been sent.

[3. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 5 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 5, the payment server 10 includes a communication unit 20, a storage unit 30, and a control unit 40.

(About communication unit 20)
The communication unit 20 is realized by, for example, a NIC or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the terminal device 100, the operator server 200, and the like.

(About storage unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage unit 30 has an account database 31 and a billing information database 32.

(About account database 31)
The account database 31 stores various information related to the accounts of users and businesses. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 6 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 6, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. The "owner information" indicates information about the owner (user or business operator) who owns the account, and for example, identification information (identifier) for identifying the owner is stored. "Account balance" indicates the balance of an account owned by a user or a business operator.

That is, FIG. 6 shows an example in which the information of the owner of the account identified by the account ID “AID # 1” is “user # 1” and the account balance is “7800”.

(About billing information database 32)
The billing information database 32 stores billing information transmitted from the business operator server 200. Here, an example of the information stored in the billing information database 32 will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of a billing information database according to the embodiment. In the example of FIG. 7, the billing information database 32 has items such as "billing information ID", "business information", "user information", "billing target", and "billing amount".

"Billing information ID" indicates identification information for identifying billing information. The "business operator information" indicates information about the business operator that is the billing source, and for example, identification information for identifying the business operator is stored. The "user information" indicates information about the user who is the billing destination, and for example, identification information for identifying the user is stored. “Billing target” indicates a transaction target to be billed. "Billed amount" indicates the amount to be charged to the billing party.

That is, in FIG. 7, the billing information identified by the billing information ID "AID # 1" includes the business information "business # 1", the user information "user # 1", the billing target "water services", and the billing amount. An example in which information such as "5200" is included is shown.

(About control unit 40)
The control unit 40 is a controller, and is realized by, for example, a CPU, an MPU, or the like executing various programs stored in a storage device inside the payment server 10 using the RAM as a work area. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC or FPGA. As shown in FIG. 5, the control unit 40 according to the embodiment has a reception unit 41, a provision unit 42, and a payment processing unit 43, and realizes or executes an information processing function or operation described below. ..

(About reception desk 41)
The reception unit 41 receives billing information. For example, in the example of FIG. 1, the reception unit 41 includes information indicating a user who has charged a fee, information indicating a business operator who charges a user, a charge amount, a transaction target to be charged, and the like. The billing information is received from the business server 200.

In addition, the reception unit 41 may receive notification of billing information to be paid. For example, in the example of FIG. 1, the reception unit 41 receives the notification of the billing information corresponding to the payment content for which the user U has performed the selection operation.

(About the provider 42)
The providing unit 42 distributes (provides) billing information. For example, in the example of FIG. 1, the providing unit 42 pays the billing information corresponding to the user U, the content corresponding to the billing information, and the billing amount corresponding to the billing information. The payment content, which is the content for the purpose, is delivered to the terminal device 100.

(About payment processing unit 43)
The payment processing unit 43 executes the payment processing according to the billing information corresponding to the notification received by the reception unit 41. For example, in the example of FIG. 1, the settlement processing unit 43 remits the billed amount of electronic money from the account of the user U to the billing source account corresponding to the notified billing information.

[4. Payment processing flow]
A procedure for payment processing of the terminal device 100 according to the embodiment will be described with reference to FIG. FIG. 8 is a flowchart showing an example of the payment processing procedure according to the embodiment.

As shown in FIG. 8, the terminal device 100 determines whether or not the billing information has been accepted (step S101). When the billing information is not received (step S101; No), the terminal device 100 waits until the billing information is received. On the other hand, when the billing information is received (step S101; Yes), the terminal device 100 notifies the user that the new billing information has been received (step S102).

Subsequently, the terminal device 100 determines whether or not the user has performed an operation for selecting billing information and making a payment (step S103). If no operation has been performed (step S103; No), the terminal device 100 waits until the operation is performed. On the other hand, when the operation is performed (step S103; Yes), the terminal device 100 executes a payment process for making a payment for the bill having the content indicated by the selected billing information (step S104). End the process.

[5. Modification example]
The above-described embodiment shows an example, and various modifications and applications are possible.

[5-1. About the contents indicated by the billing information]
In the above-described embodiment, an example is shown in which the content of the bill indicated by the billing information is related to the payment of the utility charge charged to the user according to the use of water, electricity, gas, etc., but the billing information is this. The present invention is not limited to such an example, and may be related to payment of a fee for which a payment date is set or payment of a fee charged to the user at regular intervals. For example, the content of the bill indicated by the billing information may be the price of the product purchased in the shopping service, the fee incurred in various services (for example, the subscription service), the rent, the tuition fee, and the like.

[5-2. About the provision of automatic content]
In the above-described embodiment, the providing unit 1523 has shown an example of providing automatic content in the target content corresponding to the target information selected by the user, but the function of the providing unit 1523 is not limited to such an example. For example, when the payment processing unit 1524 executes the payment processing using the payment form, the providing unit 1523 may provide the automatic content on the screen indicating that the payment processing has been executed. To give a specific example, when the payment processing unit 1524 executes the payment processing related to the transaction target "electricity" using the payment form, the providing unit 1523 automatically pays the billed amount related to the transaction target "electricity". Automatic content for instructing the fact is provided on the screen indicating that the payment process has been executed.

[5-3. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part thereof can be automatically performed by a known method. In addition, the processing procedure, specific name, and information including various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically distributed / physically in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[6. effect〕
As described above, the terminal device 100 according to the embodiment includes a reception unit 1521, a notification unit 1522, a provision unit 1523, a payment processing unit 1524, and a display control unit 1525. The reception unit 1521 receives billing information and payment content indicating payment. When the billing information is received, the notification unit 1522 notifies that the billing information has been accepted. When the providing unit 1523 receives the billing information indicating the content of the billing to the user, the providing unit 1523 provides the billing information to the user. In addition, the providing unit 1523 provides billing information when the user selects the notification. When the user performs an operation for making a payment, the payment processing unit 1524 executes a payment process for making a payment for the request of the content indicated by the billing information. In addition, the payment processing unit 1524 notifies the external server device that realizes the remittance between accounts of the content of the request indicated by the request information. The display control unit 1525 controls the display of the screen of the terminal device according to the operation of the user, the payment process executed by the payment processing unit 1524, and the like.

As a result, the terminal device 100 according to the embodiment can make payment (remittance) for the bill indicated by the billing information at any time of the user, so that the usability of various remittances can be improved.

Further, in the terminal device 100 according to the embodiment, for example, the providing unit 1523 provides the user with payment content indicating payment together with the billing information. Then, when the user selects the payment content, the payment processing unit 1524 executes a payment process for paying the bill for the content indicated by the billing information provided together with the payment content. In addition, the providing unit 1523 provides a plurality of billing information to the user. Then, when the user performs an operation after selecting one of the billing information, the payment processing unit 1524 executes a payment process for making a payment for the bill having the content indicated by the selected billing information. In addition, the providing unit 1523 further provides a history of billing information indicating the content of the billing paid by the user. In addition, the providing unit 1523 displays a plurality of target information indicating the transaction target to be billed, and displays the billing information regarding the transaction target corresponding to the target information selected by the user. In addition, the providing unit 1523 provides information indicating the billing amount as billing information. In addition, the providing unit 1523 provides information indicating the billing source as billing information. In addition, the providing unit 1523 provides information indicating a transaction target to be billed as billing information.

As a result, the terminal device 100 according to the embodiment can provide the user with various information related to the billing together with the notification of the billing from the business operator, so that the usability of various remittances can be improved.

Further, in the terminal device 100 according to the embodiment, for example, the providing unit 1523 automatically makes a request regarding the transaction target corresponding to the target information together with the billing information regarding the transaction target corresponding to the target information selected by the user. Provide automatic content to that effect. Then, when the user selects the automatic content, the payment processing unit 1524 executes a payment process for automatically making a payment when a request regarding the transaction target corresponding to the target information selected by the user occurs. To do.

As a result, the terminal device 100 according to the embodiment can remit money to the business operator without the user performing any operation in response to the request from the business operator, so that the usability of various remittances can be improved. it can.

Further, in the terminal device 100 according to the embodiment, for example, when the providing unit 1523 receives the billing information regarding the payment of the utility charge, the providing unit 1523 provides the billing information to the user. Then, the payment processing unit 1524 executes the payment processing for paying the utility bill.

As a result, the terminal device 100 according to the embodiment can remit money to the utility billing source without performing operations such as the world of the code included in the utility bill payment form. Usability can be improved.

[7. Hardware configuration]
Further, the terminal device 100 according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the terminal device 100 will be described as an example. FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the terminal device. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1200 or the HDD 1400, and controls each part. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the data generated by the CPU 1100 via the communication network 500 is transmitted to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the terminal device 100, the CPU 1100 of the computer 1000 realizes the function of the control unit 150 by executing the program loaded on the RAM 1300. Further, each data in the storage device of the terminal device 100 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[8. Others]
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to practice the present invention in other improved forms.

Further, the configuration of the terminal device 100 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the reception unit can be read as a reception means or a reception circuit.

10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 Billing information database 40 Control unit 41 Reception unit 42 Providing unit 43 Payment processing unit 100 Terminal device 110 Communication unit 120 Storage unit 130 Camera 140 Touch panel 150 Control unit 151 First application 152 Second application 1521 Reception unit 1522 Notification unit 1523 Provision unit 1524 Payment processing unit 1525 Display control unit

Claims (13)

When the payment content for accepting the execution of the payment process is received by indicating the payment amount and the payee corresponding to the billing information together with the billing information indicating the content of the billing to the user, the payment content is provided to the user. Providing procedure and
When an operation for making a payment via the payment content is performed, a bill with the content indicated by the billing information is transmitted to the payment server that makes the payment, and a payment corresponding to the billing information is made. settlement program for executing the settlement processing procedure Ru to execute the settlement process on the computer. The providing procedure indicates the payment amount and the payee corresponding to each billing information together with the plurality of the billing information, and when the plurality of payment contents for accepting the execution of the payment process are received , the plurality of payment contents are used. Provide to
In the payment processing procedure, when the user selects one of the payment contents from the plurality of payment contents and the user performs an operation for making a payment through the selected payment contents. is, the claims to the payment server, sends a request for content indicated by the billing information corresponding to the payment content, wherein the Ru to execute settlement processing for performing a payment corresponding to the billing information The payment program described in 1. When the billing information is accepted, the computer is made to execute the notification procedure for notifying the user by displaying the fact that the billing information has been accepted on the display device of the computer.
The above-mentioned provision procedure
The payment program according to claim 1 or 2, wherein when the user selects the notification, the billing information is provided. The above-mentioned provision procedure
Along with the billing information, payment content indicating payment is provided to the user.
The payment processing procedure is
Wherein the user is the payment if you select the content, which the payment server, characterized in that the settlement processing Ru is executed for performing payment for billing content shown billing information provided together with the payment content The payment program according to any one of items 1 to 3. The above-mentioned provision procedure
Providing multiple billing information to the user,
The payment processing procedure is
If the user has performed the operation after selecting one of the billing information, that the payment server, Ru to execute settlement processing for payment of claims content indicated by the selected billing information The payment program according to any one of claims 1 to 4. The above-mentioned provision procedure
The payment program according to any one of claims 1 to 5, further providing a history of billing information indicating the content of the bill paid by the user. The above-mentioned provision procedure
Any one of claims 1 to 6, wherein a plurality of target information indicating the transaction target to be billed is displayed, and billing information regarding the transaction target corresponding to the target information selected by the user is displayed. The payment program described in one. The above-mentioned provision procedure
In addition to the billing information regarding the transaction target corresponding to the target information selected by the user, automatic content indicating that the bill regarding the transaction target corresponding to the target information is automatically provided is provided.
The payment processing procedure is
When the user selects the automatic content, the payment server executes a payment process for automatically paying when a request for a transaction target corresponding to the target information selected by the user occurs. settlement program according to claim 7, characterized in that Ru is. The above-mentioned provision procedure
The billing information according to claim 1 to 8, wherein the billing information includes at least one of information indicating a billing amount, information indicating a billing source, and information indicating a transaction target to be billed. The payment program described in any one of them. The above-mentioned provision procedure
When billing information regarding payment of utility charges is received, the billing information is provided to the user.
The payment processing procedure is
A settlement server which performs settlement, settlement program according to any one of claims 1 to 9, characterized in that Ru is executes settlement processing for payment of the utility bill. The payment processing procedure is
The payment program according to any one of claims 1 to 10, wherein the external server device that realizes remittance between accounts is notified of the content of the bill indicated by the billing information. Together with billing information that indicates the contents of the billing to the user, it indicates the payment and payee corresponding to the billing information, accepts payment content for accepting the execution of the settlement process, providing the payment content to the user With the provider
When an operation for making a payment via the payment content is performed, a bill with the content indicated by the billing information is transmitted to the payment server that makes the payment, and a payment corresponding to the billing information is made. settlement apparatus characterized by having a settlement processing unit which Ru to execute the settlement process. It is a payment method executed by the payment device.
Together with billing information that indicates the contents of the billing to the user, it indicates the payment and payee corresponding to the billing information, accepts payment content for accepting the execution of the settlement process, providing the payment content to the user Offering process and
When an operation for making a payment via the payment content is performed, a bill with the content indicated by the billing information is transmitted to the payment server that makes the payment, and a payment corresponding to the billing information is made. settlement method for executing a settlement process of Ru to execute the settlement process on the computer.

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