JP6931412B1 - Payment processing method and payment processing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce a burden on a user at the time of payment. SOLUTION: A payment processing device 1 receives a payment information regarding a purchase at a user's store and a request for issuing a payment code for making a payment from a store terminal 3, and makes a payment for generating a payment code. The payment token and the first user ID are received from the token transmission unit 133 that transmits the token to the store terminal 3 and the user terminal 2 that reads the payment code displayed by the store terminal 3 based on the payment token. A privilege based on the payment information receiving unit 134, the payment information received from the store terminal 3, and the second user ID associated with the first user ID received from the user terminal 2 has been given to the user. It has a grant request unit 135 that receives the privilege grant information shown, and a payment processing unit 136 that executes payment based on the received first user ID and the payment information corresponding to the payment token. [Selection diagram] Fig. 2

Description

The present invention relates to a payment processing method and a payment processing device.

Code payment using a two-dimensional bar code such as a QR code (registered trademark) is widespread (see, for example, Patent Document 1 and Patent Document 2). The code payment is made by reading the two-dimensional bar code displayed by the store side by the user terminal or by reading the two-dimensional bar code displayed by the user terminal by the store side.

Japanese Patent No. 6528160 Japanese Patent No. 6473539

There is a service that allows a user who is a member of a store to obtain benefits such as points issued by the store based on the payment made at the store. In order for the user to obtain benefits when purchasing products using code payment, the store side presents a membership card or application screen indicating that the user is a member of the store, and the store side is a member. It was necessary to obtain member information from the screen of the card or application. For this reason, the user needs to perform the operation of the terminal corresponding to the code payment and the presentation work for acquiring the privilege step by step, which causes a burden on the user.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a payment processing method and a payment processing device capable of reducing the burden on the user at the time of payment.

The payment processing method according to the first aspect of the present invention is a payment information regarding a user's purchase of a product or service at the store from a store terminal corresponding to the store, which is executed by a computer, and a payment code for making a payment. Based on the step of receiving the issuance request of the payment code, the step of transmitting the payment token for generating the payment code to the store terminal when the payment request of the payment code is received, and the payment token. The step of receiving the payment token and the first user identification information for identifying the user from the user terminal that has read the payment code displayed by the store terminal, and the payment information received from the store terminal. , Bonus grant information indicating that the privilege corresponding to the store is given to the user based on the second user identification information for identifying the user associated with the first user identification information received from the user terminal. It has a step of acquiring the first user identification information received from the user terminal and a step of executing payment based on the payment information corresponding to the payment token received from the user terminal.

The payment processing method according to the second aspect of the present invention includes a step of storing store information for identifying a store and a payment token for generating a payment code for making a payment, which is executed by a computer. , The user terminal that reads the payment code displayed at the store based on the payment token identifies the payment token, payment information regarding the user's purchase of goods or services at the store, and the user. Based on the step of receiving the first user identification information and the store information corresponding to the payment token received from the user terminal, the payment information received from the user terminal and the payment information received from the user terminal are received. A step of acquiring privilege granting information indicating that a privilege corresponding to the store has been granted to the user based on the second user identification information that identifies the user associated with the first user identification information, and the above. It has a step of executing payment based on the first user identification information and the payment information received from the user terminal and the store information corresponding to the payment token received from the user terminal.

The payment processing device according to the third aspect of the present invention receives payment information regarding the purchase of goods or services at the store by the user and a request for issuing a payment code for payment from the store terminal corresponding to the store. Based on the issuance request receiving unit to be received, the token transmitting unit that transmits the payment token for generating the payment code to the store terminal when the issuance request of the payment code is received, and the payment token. A payment information receiving unit that receives the payment token and the first user identification information that identifies the user from the user terminal that has read the payment code displayed by the store terminal, and received from the store terminal. The privilege corresponding to the store based on the payment information and the second user identification information for identifying the user associated with the first user identification information received from the user terminal has been given to the user. Settlement is executed based on the grant request unit that acquires the privilege grant information shown, the first user identification information received from the user terminal, and the payment information corresponding to the payment token received from the user terminal. It has a payment processing unit.

The payment processing device according to the fourth aspect of the present invention includes a storage unit that stores store information for identifying a store, a payment token for generating a payment code for making a payment, and a storage unit for making the payment. From the user terminal that reads the payment code displayed at the store based on the token, the payment token, payment information regarding the user's purchase of goods or services at the store, and the first user who identifies the user. The payment information received from the user terminal and the payment information received from the user terminal based on the payment information receiving unit that receives the identification information and the store information corresponding to the payment token received from the user terminal. With a grant request unit that acquires privilege grant information indicating that the privilege corresponding to the store has been granted to the user based on the second user identification information that identifies the user associated with the first user identification information. A payment processing unit that executes payment based on the first user identification information and the payment information received from the user terminal and the store information corresponding to the payment token received from the user terminal. ..

According to the present invention, there is an effect that the burden on the user at the time of payment can be reduced.

It is a figure which shows the outline of the payment system. It is a figure which shows the functional structure of the payment processing apparatus. It is a figure which shows an example of the user cooperation information. It is a figure which shows the functional structure of a user terminal. It is a figure which shows the functional structure of a store terminal. It is a figure which shows the functional structure of the point management apparatus. It is an operation sequence diagram of a payment system. It is an operation sequence diagram following FIG. It is an operation sequence diagram of the payment system when a store terminal makes a request for issuance of a payment code before a user purchases a product. It is an operation sequence diagram following FIG.

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of the payment system S. When the user purchases a product or service at a store, the payment system S displays a payment code on the store terminal 3 in response to a request from the store terminal 3, and setstles that the payment code is read by the user terminal. It is a system that makes payments according to what is specified by the processing device. The payment code is a text or image that can be read by the terminal on the store side used for payment at the store, and is a code used at the time of payment.

The payment system S includes a payment processing device 1, a user terminal 2, a store terminal 3, and a point management device 4 as a privilege management device. The payment processing device 1 is a server that setstles the purchase price. The user terminal 2 is an information terminal used by the user, for example, a smartphone, a tablet, or a personal computer. The store terminal 3 is, for example, a POS terminal.

The point management device 4 is, for example, a server that manages benefits that can be used in stores. The benefits are, for example, points and coupons for discounting the purchase amount at the store at the time of payment. In the present embodiment, the explanation will proceed assuming that the privilege is the point. The point management device 4 is managed by a business operator or a store that issues points. In the example shown in FIG. 1, only one point management device 4 is shown, but it is assumed that there is a point management device 4 managed by each of a plurality of businesses or stores.
Hereinafter, the flow until the settlement is completed will be described with reference to FIG.

The user purchases goods and services at the store. The store clerk reads the barcode attached to the product to be purchased on the store terminal 3 when the user makes an account at the store. The store terminal 3 calculates the payment amount at the store, which indicates the total amount of the products purchased by the user. In addition, the store clerk performs an operation for displaying the payment code on the store terminal 3 on the store terminal 3. The store terminal 3 transmits a request for issuing a payment code and payment information regarding the purchase of a product or service to the payment processing device 1 ((1) in FIG. 1). The payment information includes the calculated payment amount and the store ID as the store information that identifies the store.

Upon receiving the payment code issuance request and the payment information from the store terminal 3, the payment processing device 1 generates a payment token ((2) in FIG. 1). The payment token is a data string used when the store terminal 3 generates a payment code presented to the user by the store terminal 3. Here, the payment token may be generated only in the case of a specific store specified by the store ID included in the payment information. The payment processing device 1 associates the generated payment token with the payment information and stores it in the storage medium ((3) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the store terminal 3 ((4) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the store terminal 3 after encrypting the payment token.

The store terminal 3 generates and displays a payment code based on the received payment token ((5) in FIG. 1).
The user terminal 2 reads the payment code displayed on the store terminal 3 by, for example, the user's operation ((6) in FIG. 1). The user terminal 2 transmits the first user ID and the payment token indicated by the read payment code to the payment processing device 1 ((7) in FIG. 1). The first user ID is, for example, a user ID given to the user by a business operator that provides a service related to the payment processing device 1.

When the payment processing device 1 receives the first user ID and the payment token from the user terminal 2, it determines whether or not the received payment token matches the payment token transmitted to the store terminal 3. When the payment processing device 1 determines that the payment tokens match, the payment processing device 1 identifies the payment information stored in association with the received payment token. The payment processing device 1 transmits the specified payment information and the second user ID as the second user identification information for identifying the user to the point management device 4, and the point management device 4 transmits the points given to the user. The indicated point-giving information is received ((8) in FIG. 1). It is assumed that the second user ID is associated with the received first user ID in advance.

Further, when the payment processing device 1 determines that the payment tokens match, the payment processing device 1 executes the payment process based on the first user ID received from the user terminal 2 and the payment information associated with the payment token. ((9) in FIG. 1). The payment processing device 1 transmits the received point grant information and the payment completion information indicating that the payment has been completed to the user terminal 2 ((10) in FIG. 1).

When the payment system S operates as described above, the user displays a membership card or application screen indicating that the user is a member of the store on the store side in order to receive points as privilege information at the time of accounting. You can receive points without presenting them. Therefore, the payment system S can reduce the burden on the user at the time of payment.
Hereinafter, the details of the configurations of the payment processing device 1, the user terminal 2, the store terminal 3, and the point management device 4 will be described.

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

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium for storing various types of data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores a program executed by the control unit 13. The storage unit 12 is a payment program that causes the control unit 13 to function as a user information cooperation unit 131, an issue request reception unit 132, a token transmission unit 133, a payment information reception unit 134, an grant request unit 135, and a payment processing unit 136. Remember.

Further, the storage unit 12 stores the first user ID and the second user ID corresponding to each of the plurality of stores in association with each other. Specifically, the storage unit 12 manages the first user ID, the second user ID, and the points corresponding to the second user ID, and associates the business ID that identifies the business operator that operates the store. Store user cooperation information. Here, it is assumed that the issuer of the first user ID and the issuer of the second user ID are different issuers. FIG. 3 is a diagram showing an example of user cooperation information. As shown in FIG. 3, it can be confirmed that one or more business IDs and a second user ID are associated with the first user ID.

Further, the storage unit 12 stores the business operator ID and the address on the network of the point management device 4 corresponding to the business operator ID as address information in association with each other. The point management device 4 corresponding to the business operator ID is, for example, a point management device 4 managed by the business operator corresponding to the business operator ID.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 executes the user information cooperation unit 131, the issuance request reception unit 132, the token transmission unit 133, the payment information reception unit 134, the grant request unit 135, and the like. And functions as a payment processing unit 136. Details of the operation of each unit of the control unit 13 will be described later.

[Functional configuration of user terminal 2]
FIG. 4 is a diagram showing a functional configuration of the user terminal 2. The user terminal 2 has an operation unit 21, a communication unit 22, a reading unit 23, a display unit 24, a storage unit 25, and a control unit 26. The control unit 26 includes an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264.

The operation unit 21 is an operation device that accepts user operations, and is, for example, a touch panel provided on the surface of the display unit 24. The operation unit 21 notifies the operation reception unit 261 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting and receiving data to and from a base station of a mobile phone network. The communication unit 22 transmits the acquired payment token or the like to the payment processing device 1.

The reading unit 23 is, for example, a camera. The reading unit 23 reads the payment code displayed on the store terminal 3.
The display unit 24 is a display that displays various types of information.

The storage unit 25 is a storage medium including a ROM, a RAM, and the like. The storage unit 25 stores a program executed by the control unit 26. The storage unit 25 stores a program that causes the control unit 26 to function as an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264.

The control unit 26 is, for example, a CPU, and functions as an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264 by executing a program stored in the storage unit 25.

The operation reception unit 261 specifies the operation content of the user based on the signal input from the operation unit 21. When the specified operation content is a user cooperation operation as an operation for linking the user ID, the operation reception unit 261 notifies the request transmission unit 262 of the operation content. When the operation reception unit 261 accepts the user cooperation operation, the request transmission unit 262 transmits an ID cooperation request including the first user ID to the payment processing device 1 via the communication unit 22. The operation reception unit 261 displays a cooperation reception screen for the communication unit 22 to receive the cooperation of the user ID received from the payment processing device 1 on the display unit 24, and the second user ID associated with the first user ID from the user and the second user ID. Accepts the business ID corresponding to the second user ID. The request transmission unit 262 transmits the first user ID, the business operator ID received on the cooperation reception screen, and the second user ID to the payment processing device 1.

The operation reception unit 261 notifies the token transmission unit 263 of the operation content when the specified operation content is an operation for reading the payment code. When the operation reception unit 261 receives an operation for reading the payment code, the token transmission unit 263 causes the reading unit 23 to read the payment code displayed on the store terminal 3. The token transmission unit 263 acquires the information extracted from the payment code by the reading unit 23 as a payment token. The token transmission unit 263 transmits the acquired payment token and the first user ID to the payment processing device 1 via the communication unit 22.

When the display control unit 264 receives from the payment processing device 1 the payment completion information indicating that the payment has been completed and the point granting information indicating that the points have been awarded, the display control unit 264 transmits these information to the same display unit 24. Display on the screen.

[Functional configuration of store terminal 3]
FIG. 5 is a diagram showing a functional configuration of the store terminal 3. The store terminal 3 has an operation unit 31, a reading unit 32, a communication unit 33, a display unit 34, a storage unit 35, and a control unit 36.

The operation unit 31 is an operation device that accepts the user's operation, and is, for example, a button for selecting a product to be purchased by the user or a touch panel provided on the surface of the display unit 34.

The reading unit 32 is, for example, a barcode reader that reads a barcode attached to a product purchased by a user. The reading unit 32 outputs the information indicated by the read barcode to the control unit 36.

The communication unit 33 is, for example, a communication interface for transmitting and receiving data to and from the payment processing device 1. The communication unit 33 transmits a payment code issuance request and payment information to the payment processing device 1 in response to the control of the control unit 36. Further, the communication unit 33 receives the payment token from the payment processing device 1.

The display unit 34 is a display that displays various types of information. The display unit 34 displays, for example, a payment amount or a payment code.

The storage unit 35 is a storage medium including a ROM, a RAM, and the like. The storage unit 35 stores a program executed by the control unit 36. The storage unit 35 stores a program that causes the control unit 36 to function as a payment information generation unit 361, a payment information transmission unit 362, and a code generation unit 363. Further, the storage unit 35 stores a product DB in which the product ID and the price of the product are associated with each other.

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

The payment information generation unit 361 identifies one or more products to be settled and generates payment information. Specifically, the payment information generation unit 361 acquires the product ID input by the clerk in the operation unit 31 or the product ID read by the reading unit 32 from the barcode attached to the product. Identifies the product as the product to be settled. The settlement information generation unit 361 refers to the product DB stored in the storage unit 35 and specifies the price of the product associated with the acquired product ID. The payment information generation unit 361 acquires one or more product IDs input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and the price of the product specified from the product ID. To aggregate. When the operation unit 31 receives the settlement operation, the settlement information generation unit 361 determines the total price of the product as the settlement amount.

The payment information generation unit 361 generates payment information including the determined payment amount, the store ID as the store information for identifying the store, and the payment time information indicating the current time as the payment time. It is assumed that the store ID includes the business ID that identifies the business operator that operates the store, in addition to the information that identifies the store.

When the payment information generation unit 361 generates payment information, the payment information transmission unit 362 transmits a payment code issuance request and the generated payment information to the payment processing device 1 via the communication unit 33.

When the payment token is transmitted from the payment processing device 1, the code generation unit 363 generates a payment code based on the payment token. The code generation unit 363 generates, for example, a payment code based on a predetermined rule. The code generation unit 363 causes the display unit 34 to display the generated payment code.

[Functional configuration of point management device 4]
FIG. 6 is a diagram showing a functional configuration of the point management device 4. The point management device 4 has a communication unit 41, a storage unit 42, and a control unit 43.

The communication unit 41 is, for example, a communication interface for transmitting and receiving data between the payment processing device 1 and the point management device 4.
The storage unit 42 is a storage medium including a ROM, a RAM, and the like. The storage unit 42 stores a program executed by the control unit 43. The storage unit 42 stores a program that causes the control unit 43 to function as the grant request receiving unit 431 and the point granting unit 432. Further, the storage unit 35 stores a point DB in which the second user ID, the points given to the user of the second user ID, and the expiration date of the points are associated with each other.

The control unit 43 is, for example, a CPU, and functions as a grant request receiving unit 431 and a point granting unit 432 by executing a program stored in the storage unit 42.

The grant request receiving unit 431 receives a point grant request including payment information and a second user ID from the payment processing device 1.
When the point granting unit 432 receives the point granting request from the payment processing device 1, the point granting unit 432 receives the second user based on the second user ID and the payment information included in the received granting request. The points to be given to the user of the ID are calculated, and the calculated points are given.

Specifically, when the point granting unit 432 receives the point granting request, the point granting unit 432 gives points to the user corresponding to the second user ID based on the payment information included in the granting request. Is calculated.

For example, the point giving unit 432 calculates a value indicating a predetermined ratio of the payment amount included in the payment information as points to be given to the user corresponding to the second user ID. Further, the point giving unit 432 may calculate points when various information included in the payment information satisfies a predetermined condition.

For example, the point giving unit 432 may calculate points when the settlement amount included in the settlement information is equal to or greater than a predetermined amount. Further, the point giving unit 432 may calculate points based on the store ID and the settlement date and time included in the settlement information. For example, when the settlement time information included in the settlement information is included in the time range corresponding to the predetermined time sale, the point giving unit 432 calculates the points higher than the time different from the time sale. May be good. Further, even if the store ID of the store to which the points are to be given is stored in the storage unit 42 and the point giving unit 432 calculates the points when the received store ID is stored in the storage unit 42. good.

In the point DB, the point granting unit 432 adds the calculated points to the points associated with the second user ID included in the grant request, and updates the expiration date of the points. In addition, the point awarding unit 432 transmits point awarding information indicating the points given to the user to the payment processing device 1.

[Operation of each part of control unit 13]
Subsequently, the operation of each unit of the control unit 13 will be described.
The user information cooperation unit 131 receives the first user ID and the second user ID corresponding to the user of the user terminal 2 from the user terminal 2, and stores the received first user ID and the second user ID in association with each other. It is stored in the user cooperation information of the unit 12.

Specifically, when the user information cooperation unit 131 receives an ID cooperation request including the first user ID of the user of the user terminal 2 from the user terminal 2, the user information cooperation unit 131 receives the second user ID that cooperates with the first user ID. The cooperation reception screen for this purpose is transmitted to the user terminal 2. On the cooperation reception screen, it is possible to specify the second user ID and the business operator ID corresponding to the second user ID. When the user information cooperation unit 131 receives the first user ID, the business operator ID, and the second user ID from the user terminal 2, the user information cooperation unit 131 associates these information and stores them in the user cooperation information.

The issuance request receiving unit 132 receives the payment information regarding the purchase of the product or service at the user's store and the issuance request of the payment code from the store terminal 3.

When the issuance request receiving unit 132 receives the issuance request of the payment code, the token transmission unit 133 transmits the payment token for generating the payment code to the store terminal 3. Specifically, first, the token transmitting unit 133 generates a payment token when the issuance request receiving unit 132 receives a payment code issuance request. The token transmission unit 133 associates the payment information received by the issuance request reception unit 132 with the generated payment token and stores it in the storage unit 12. Further, the token transmission unit 133 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request.

The payment information receiving unit 134 includes a payment token and a first user ID from the user terminal 2 that has read the payment code displayed by the store terminal 3 based on the payment token transmitted by the token transmission unit 133. Receive a payment request.

The grant request unit 135 manages the points corresponding to the store by managing the payment information received from the store terminal 3 and the second user ID associated with the first user ID received from the user terminal 2. To request the user of the user terminal 2 to be given points. The grant request unit 135 refers to the storage unit 12, and refers to the first user ID received from the user terminal 2 and the second user ID corresponding to the store indicated by the store ID included in the payment information acquired from the store terminal 3. Is specified, and the specified second user ID is transmitted to the point management device 4.

Specifically, first, when the payment information receiving unit 134 receives the payment request from the user terminal 2, the grant request unit 135 stores the payment token that matches the payment token included in the payment request in the storage unit 12. Determine if it is stored. When the payment processing unit 136 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 136 acquires the payment information associated with the payment token and stored in the storage unit 12, and stores the payment information in the payment information. The business ID is extracted from the included store ID. The grant request unit 135 refers to the user cooperation information stored in the storage unit 12, and obtains the first user ID included in the received payment request and the second user ID associated with the extracted business operator ID. By specifying, the second user ID corresponding to the first user ID received from the user terminal 2 and the second user ID corresponding to the store indicated by the store ID received from the store terminal 3 is specified.

The grant request unit 135 refers to the address information stored in the storage unit 12 and identifies the address associated with the extracted business operator ID. Then, the grant request unit 135 transmits a point grant request including the payment information stored in the storage unit 12 associated with the received payment token and the specified second user ID to the specified address. This information is transmitted to the point management device 4 corresponding to the extracted business ID. After that, the grant request unit 135 receives the point grant information indicating the points granted to the user of the user terminal 2 from the point management device 4 that has transmitted the point grant request.

The payment processing unit 136 executes payment based on the first user ID received from the user terminal 2 and the payment information corresponding to the payment token received from the user terminal 2. Specifically, when the payment information receiving unit 134 receives the payment request, the payment processing unit 136 determines whether or not the payment token matching the payment token included in the payment request is stored in the storage unit 12. To judge. When the payment processing unit 136 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 136 acquires the payment information associated with the payment token and stored in the storage unit 12.

The payment processing unit 136 executes a process of deducting the payment amount included in the acquired payment information from the account of the user specified by the first user ID received from the user terminal 2. In addition, the payment processing unit 136 executes a process of depositing the payment amount included in the acquired payment information into the account of the store specified by the store ID included in the acquired payment information. The settlement processing unit 136 may deposit an amount obtained by subtracting the settlement fee in the settlement processing device 1 from the settlement amount into the store account. When the settlement of the settlement amount is completed, the settlement processing unit 136 notifies the store terminal 3 to send the settlement completion information indicating that the settlement is completed. Further, the payment processing unit 136 associates the payment completion information with the point grant information received from the point management device 4 and transmits the point grant information to the user terminal 2, and the payment completion information and the point granting are performed on the same screen of the user terminal 2. Display information.

[Operation sequence]
FIG. 7 is an operation sequence diagram of the payment system S. FIG. 8 is an operation sequence diagram following FIG. 7.
The sequence diagram shown in FIG. 7 starts from the point where the user brings the selected product to the clerk who uses the store terminal 3. The payment information generation unit 361 of the store terminal 3 acquires the product ID input by the clerk in the operation unit 31 or the product ID read by the reading unit 32 from the barcode attached to the product, and is associated with the product ID. The settlement amount is calculated by specifying the price of the product. Then, the payment information generation unit 361 generates payment information including the payment amount, the store ID, and the payment time information (S1). The payment information transmission unit 362 transmits a payment code issuance request and the generated payment information to the payment processing device 1 (S2).

The issuance request receiving unit 132 of the payment processing device 1 receives the issuance request of the payment code and the payment information. The token transmission unit 133 generates a payment token (S3). The token transmission unit 133 associates the generated payment token with the payment information and stores it in the storage unit 12 (S4). The token transmission unit 133 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request (S5).

The code generation unit 363 of the store terminal 3 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on the display unit 34 (S6). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S7). The token transmission unit 263 of the user terminal 2 transmits a payment request including the payment token obtained from the payment code and the first user ID to the payment processing device 1 (S8). The payment information receiving unit 134 receives a payment request including a payment token and a first user ID from the user terminal 2.

The explanation is transferred to FIG. The grant request unit 135 determines whether or not a payment token that matches the payment token included in the payment request received by the payment information receiving unit 134 is stored in the storage unit 12. When the grant request unit 135 determines that the matching payment token is stored in the storage unit 12, the grant request unit 135 identifies the payment information stored in the storage unit 12 in association with the received payment token (S9).

The grant request unit 135 identifies the business operator ID from the store ID included in the specified payment information (S10). The grant request unit 135 refers to the user cooperation information and identifies the first user ID received from the user terminal 2 and the second user ID associated with the specified business operator ID (S11). The payment processing unit 136 transmits a point granting request including the specified second user ID and payment information to the point management device 4 corresponding to the business operator ID (S12).

Subsequently, when the point granting unit 432 of the point management device 4 receives the point granting request, the point granting unit 432 calculates the points to be given to the user of the second user ID included in the point granting request (S13). ). The point giving unit 432 gives the calculated points to the user of the second user ID (S14), and transmits the point giving information indicating the given points to the payment processing device 1 (S15).

Subsequently, the payment processing unit 136 of the payment processing device 1 performs payment processing based on the payment information specified in S9 and the first user ID received from the user terminal 2 (S16). The payment processing unit 136 associates the payment completion information with the point grant information received from the point management device 4 and transmits the information to the user terminal 2 (S17).

When the display control unit 264 of the user terminal 2 receives the payment completion information and the point grant information from the payment processing device 1, the display control unit 264 displays these information on the same screen of the display unit 24 (S18).

[Modification example]
In the above description, the store terminal 3 makes a request for issuing a payment code to the payment processing device 1 when the user purchases a product, but the present invention is not limited to this. For example, the store terminal 3 may request the issuance of a payment code before the user purchases the product.

FIG. 9 is an operation sequence diagram of the payment system S when the store terminal 3 requests the issuance of a payment code before the user purchases a product. FIG. 10 is an operation sequence diagram following FIG.

As shown in FIG. 9, first, the payment information transmission unit 362 transmits the payment code issuance request and the store ID to the payment processing device 1 (S31).
When the issuance request receiving unit 132 receives the store ID and the issuance request of the payment code, the token transmission unit 133 of the payment processing device 1 generates a payment token (S32). The token transmission unit 133 associates the generated payment token with the store ID and stores it in the storage unit 12 (S33). Further, the token transmission unit 133 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request (S34).

When the code generation unit 363 receives the payment token from the payment processing device 1, the code generation unit 363 stores the payment token in the storage unit 35 (S35).

At the store, the user selects a product to be purchased and brings the selected product to a clerk who uses the store terminal 3. The code generation unit 363 of the store terminal 3 generates a payment code based on the payment token stored in the storage unit 35, and displays the generated payment code on the display unit 34 (S36). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S37). The operation reception unit 261 of the user terminal 2 accepts the input of the payment amount from the user (S38). The token transmission unit 263 of the user terminal 2 transmits a payment request including a payment token obtained from the payment code, a payment amount, and a first user ID to the payment processing device 1 (S39). The payment information receiving unit 134 receives a payment request including a payment token, a payment amount, and a first user ID from the user terminal 2.

The explanation shifts to FIG. The grant request unit 135 determines whether or not a payment token that matches the payment token included in the payment request received by the payment information receiving unit 134 is stored in the storage unit 12. When the payment processing unit 136 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 136 identifies the store ID stored in the storage unit 12 in association with the received payment token (S40). After that, the grant request unit 135, the settlement processing unit 136, the display control unit 264, the grant request receiving unit 431, and the point granting unit 432 perform the same processing as the processing of S10 to S18 shown in FIG. 8 in S41 to S49.

In this sequence, the user terminal 2 receives the payment amount from the user and transmits the payment request including the payment token, the payment amount, and the first user ID to the payment processing device 1, but the present invention is not limited to this. .. For example, when the prices of the products handled in the store are the same, the payment information transmission unit 362 sets the payment processing device for the payment code issuance request, the payment amount, and the store ID before the user purchases the products. It may be transmitted to 1. Then, the token transmission unit 133 may store the generated payment token, the received store ID, and the received payment amount in the storage unit 12 in association with each other.

Further, in this sequence, when the user purchases a product, the code generation unit 363 generates a payment code based on the payment token stored in the storage unit 35 and displays it on the display unit 34. , Not limited to this. Instead of displaying the payment code on the store terminal 3, the clerk of the store terminal 3 prints the payment code on paper or a sticker in advance, and when the user purchases the product, the payment code is printed on the paper or the like. The payment code may be presented to the user.

Further, in this sequence, it is assumed that the payment token does not include the store information, but the present invention is not limited to this. The payment token may include store information. Then, when the payment processing device 1 specifies the store information corresponding to the payment token received from the user terminal 2, the payment processing device 1 acquires the store information included in the payment token to obtain the payment token. Corresponding store information may be specified.

[Effect of payment system S]
As described above, when the payment processing device 1 receives the payment information regarding the purchase of the product or service in the user's store and the issuance request of the payment code for making the payment from the store terminal 3, the payment processing device 1 receives the payment token. Is transmitted to the store terminal 3, and the payment token and the first user ID are received from the user terminal 2 that reads the payment code displayed by the store terminal 3 based on the payment token. Then, the payment processing device 1 includes the payment information received from the store terminal 3 and the second user ID associated with the first user ID received from the user terminal 2, and requests the user to be given a privilege. The privilege grant request is transmitted to the point management device 4, and the privilege grant information indicating the privilege granted to the user is received. The payment processing device 1 executes payment based on the first user ID received from the user terminal 2 and the payment information corresponding to the payment token received from the user terminal 2, and transmits the privilege grant information to the user terminal 2. do. By doing so, in order to receive points as privilege information at the time of accounting, the user does not need to show the store a membership card or application screen indicating that the user is a member of the store. Can be granted. Therefore, the payment processing device 1 can reduce the burden on the user at the time of payment.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist thereof. be. For example, the specific embodiment of the distribution / integration of the device is not limited to the above embodiment, and all or a part thereof may be functionally or physically distributed / integrated in any unit. Can be done. Also included in the embodiments of the present invention are new embodiments resulting from any combination of the plurality of embodiments. The effect of the new embodiment produced by the combination has the effect of the original embodiment together.

1 Payment processing device 2 User terminal 3 Store terminal 4 Point management device 11 Communication unit 12 Storage unit 13 Control unit 21 Operation unit 22 Communication unit 23 Reading unit 24 Display unit 25 Storage unit 26 Control unit 31 Operation unit 32 Reading unit 33 Communication unit 34 Display unit 35 Storage unit 36 Control unit 41 Communication unit 42 Storage unit 43 Control unit 131 User information linkage unit 132 Issue request reception unit 133 Token transmission unit 134 Payment information reception unit 135 Grant request unit 136 Payment processing unit 261 Operation reception unit 262 Request transmission unit 263 Token transmission unit 264 Display control unit 361 Payment information generation unit 362 Payment information transmission unit 363 Code generation unit 431 Grant request reception unit 432 Point granting unit

Claims (17)

Computer runs,
A step of receiving payment information regarding a user's purchase of a product or service at the store and a request for issuing a payment code for making a payment from a store terminal corresponding to the store.
Upon receiving the payment code issuance request, a step of transmitting a payment token for generating the payment code to the store terminal, and a step of transmitting the payment token to the store terminal.
A step of receiving the payment token and the first user identification information for identifying the user from the user terminal that has read the payment code displayed by the store terminal based on the payment token.
The payment information received from the store terminal and the second user identification information for identifying the user associated with the first user identification information received from the user terminal are transmitted to the privilege management device that manages the privilege. Steps to do and
The privilege management device indicates that the privilege corresponding to the store based on the payment information and the second user identification information has been given to the user, and the privilege grant information indicating the privilege given to the user is given to the user. And the steps to get from
A step of executing payment based on the first user identification information received from the user terminal and the payment information corresponding to the payment token received from the user terminal.
Payment processing method with. Computer runs,
A step to store store information for identifying a store and a payment token for generating a payment code for making a payment, and a step for storing the payment token.
From the user terminal that reads the payment code displayed at the store based on the payment token, the payment token, payment information regarding the purchase of goods or services at the store by the user, and the user are identified. The step of receiving the first user identification information and
The user associated with the payment information received from the user terminal and the first user identification information received from the user terminal based on the store information corresponding to the payment token received from the user terminal. The step of transmitting the second user identification information for identifying the privilege to the privilege management device that manages the privilege, and
Before SL and the payment information received from the user terminal, together indicate that the corresponding privilege is granted to the user in the store before SL based on the second user identification information, indicating the benefits granted to the user The step of acquiring the privilege grant information from the privilege management device and
A step of executing payment based on the first user identification information and the payment information received from the user terminal and the store information corresponding to the payment token received from the user terminal.
Payment processing method with. In the step of acquiring the privilege grant information, the computer acquires the privilege grant information indicating the privilege that can be used in the store.
The payment processing method according to claim 1 or 2. In the step of transmitting to the privilege management device, the computer manages the payment information and the second user identification information by a business operator that issues the privilege and the second user identification information. Send to device,
The settlement processing method according to any one of claims 1 to 3. The payment information includes information indicating the payment amount or the payment date and time related to the purchase of goods or services.
In the step of acquiring the privilege grant information, the computer acquires the privilege grant information indicating the privilege based on the payment amount included in the payment information or the information indicating the settlement date and time.
The settlement processing method according to any one of claims 1 to 4. In the step of acquiring the privilege granting information, the computer indicates that the privilege based on the second user identification information issued by an issuer different from the issuer of the first user identification information has been granted to the user. Acquire the privilege grant information,
The settlement processing method according to any one of claims 1 to 5. In the step of acquiring the privilege grant information, the computer acquires the privilege grant information indicating that the privilege based on the second user identification information issued by the business operator of the store has been granted to the user.
The payment processing method according to claim 6. In the step of acquiring the privilege grant information, the computer refers to the storage unit that stores the first user identification information in association with the second user identification information, and the first user identification received from the user terminal. The second user identification information associated with the information is specified, and the privilege grant information indicating that the privilege based on the specified second user identification information is granted to the user is acquired.
The settlement processing method according to any one of claims 1 to 7. The first user identification information of the user and the second user identification information of the user are received from the user terminal executed by the computer, and the received first user identification information and the second user identification information are associated with each other. Further having a step of storing in the storage unit,
The payment processing method according to claim 8. In the step of receiving the payment code issuance request, the computer receives the store information for identifying the store corresponding to the store terminal corresponding to the store, and receives the store information.
The storage unit stores the first user identification information in association with the second user identification information corresponding to each of the plurality of stores.
In the step of acquiring the privilege granting information, the computer refers to the storage unit and sets the first user identification information received from the user terminal and the store indicated by the store information received from the store terminal. Identify the corresponding second user identification information,
The payment processing method according to claim 8 or 9. The storage unit stores the first user identification information in association with the second user identification information corresponding to each of the plurality of stores.
In the step of acquiring the privilege grant information, the computer refers to the storage unit, and corresponds to the first user identification information received from the user terminal and the store corresponding to the received payment token. Identify the second user identification information,
The payment processing method according to claim 8 or 9. The privilege management device is provided for each issuer of the second user identification information.
In the step of transmitting to the privilege management system, the computer refers the business vendor identification information, a storage unit that associates and stores the address on the network before Article vendor identification corresponding to information the privilege management unit, wherein The address associated with the business identification information corresponding to the store information of the store where the product or service is purchased is specified, and the payment information and the second user identification information are transmitted to the specified address.
The settlement processing method according to any one of claims 1 to 11. The privilege management device executes
A step of granting the privilege to the user based on the payment information received from the computer and the second user identification information.
A step of transmitting the privilege grant information indicating that the privilege has been granted to the user to the computer, and
Have more,
The payment processing method according to claim 11 or 12. The computer further includes a step of transmitting the privilege grant information and the payment completion information indicating that the payment has been completed to the user terminal.
The settlement processing method according to any one of claims 1 to 13. In the step of transmitting the privilege grant information to the user terminal, the computer associates the privilege grant information with the payment completion information and transmits the privilege grant information to the user terminal.
The payment processing method according to claim 14. An issuance request receiving unit that receives payment information regarding a user's purchase of a product or service at the store and a payment request for issuing a payment code from a store terminal corresponding to the store.
Upon receiving the request for issuing the payment code, the token transmission unit that transmits the payment token for generating the payment code to the store terminal, and the token transmission unit.
A payment information receiving unit that receives the payment token and the first user identification information that identifies the user from the user terminal that has read the payment code displayed by the store terminal based on the payment token. ,
The payment information received from the store terminal and the second user identification information for identifying the user associated with the first user identification information received from the user terminal are transmitted to the privilege management device that manages the privilege. Then, it is shown that the privilege corresponding to the store based on the payment information and the second user identification information is given to the user, and the privilege grant information indicating the privilege given to the user is given to the privilege. Grant request part acquired from the management device and
A payment processing unit that executes payment based on the first user identification information received from the user terminal and the payment information corresponding to the payment token received from the user terminal.
Payment processing device with. A storage unit that stores store information for identifying a store and a payment token for generating a payment code for making a payment.
From the user terminal that reads the payment code displayed at the store based on the payment token, the payment token, payment information regarding the purchase of goods or services at the store by the user, and the user are identified. A payment information receiving unit that receives the first user identification information,
The user associated with the payment information received from the user terminal and the first user identification information received from the user terminal based on the store information corresponding to the payment token received from the user terminal. and a second user identification information for identifying a, transmitted to the privilege management system for managing privilege, and the payment information received from the user terminal, the previous SL privilege corresponding to the store based on the second user identification information A grant requesting unit that indicates that the privilege has been granted to the user and acquires privilege grant information indicating the privilege granted to the user from the privilege management device.
A payment processing unit that executes payment based on the first user identification information and the payment information received from the user terminal and the store information corresponding to the payment token received from the user terminal.
Payment processing device with.

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