JP6990796B2 - Payment processing method - Google Patents

Description

The present invention relates to a payment processing method.

Code payment using a two-dimensional bar code such as a QR code (registered trademark) has become widespread (see, for example, Patent Document 1 and Patent Document 2). In the code payment, the 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 to obtain benefits when a user purchases a product or the like using code payment, a membership card or application screen indicating that the user is a member of the store is presented to the store, and the store 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 operate the terminal corresponding to the code payment in stages and perform the presentation work for acquiring the privilege, 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 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 first user identification information for identifying the user from a user terminal used by the user, which is executed by a computer, and for payment for the user to make a payment at a store. When the step of receiving the code issuance request and the payment code issuance request are received, the payment token for generating the payment code corresponding to the first user identification information is transmitted to the user terminal. The payment token and payment information regarding the purchase of goods or services at the store by the user are received from the step and the store terminal that has read the payment code displayed by the user terminal based on the payment token. Steps to be performed, 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 corresponding to the payment token received from the store terminal. Corresponds to the step of acquiring the privilege grant information indicating that the privilege corresponding to the store is granted to the user based on the above, the payment information received from the store terminal, and the payment token received from the store terminal. It has a step of executing a payment based on the first user identification information to be performed.

The payment processing device according to the second aspect of the present invention comprises a first user identification information for identifying the user from a user terminal used by the user, and a request for issuing a payment code for the user to make a payment at a store. When the issuance request receiving unit and the issuance request receiving unit receive the issuance request of the payment code, the user generates a payment token for generating the payment code corresponding to the first user identification information. Purchase of the payment token and the product or service of the user at the store from the token transmission unit transmitted to the terminal and the store terminal that reads the payment code displayed by the user terminal based on the payment token. The payment information receiving unit that receives the payment information related to the payment information, the payment information received from the store terminal, and the first user identification information corresponding to the payment token received from the store terminal. The acquisition unit that acquires the privilege grant information indicating that the privilege corresponding to the store is granted to the user based on the second user identification information that identifies the user, the payment information received from the store terminal, and the said. It has a payment processing unit that executes payment based on the first user identification information corresponding to the payment token received from the store 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.

[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 user terminal in response to a request from the user terminal possessed by the user, and the payment code is read by the store. It is a system that makes payments accordingly. 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 a store. Benefits are, for example, points or coupons for discounting the purchase amount at the store at the time of payment. In this 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. When performing accounting at a store, the user activates application software for payment and performs an operation for displaying a payment code on the user terminal 2. When the user terminal 2 receives an operation for displaying the payment code, the user terminal 2 transmits the first user ID as the first user identification information for identifying the user and the issuance request of the payment code to the payment processing device 1. ((1) 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.

Upon receiving the first user ID and the payment code issuance request from the user terminal 2, the payment processing device 1 generates a payment token ((2) in FIG. 1). The payment token is a data string used when the user terminal 2 generates a payment code presented by the user at the store. The payment processing device 1 associates the generated payment token with the first user ID and stores it in the storage medium ((3) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the user terminal 2 ((4) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the user terminal 2 after encrypting the payment token.

The user terminal 2 generates and displays a payment code based on the received payment token ((5) in FIG. 1).
The user presents a payment code when the purchase price of the product is settled at the store cashier. Then, for example, by the operation of the store clerk, the store terminal 3 reads the payment code displayed on the user terminal 2 ((6) in FIG. 1).

The store terminal 3 generates payment information regarding the purchase of goods or services at the user's store. The payment information includes, for example, a payment amount related to the purchase of a product by a user. The store terminal 3 transmits a payment request including the generated payment information and the payment token indicated by the read payment code to the payment processing device 1 ((7) in FIG. 1).

When the payment processing device 1 receives a payment request from the store terminal 3, it determines whether or not the payment token included in the received payment request matches the payment token transmitted to the user terminal 2. When it is determined that the payment tokens match, the payment processing device 1 transfers the payment information included in the received payment request and the second user ID as the second user identification information for identifying the user to the point management device 4. It transmits and receives point-giving information indicating the points given to the user from the point management device 4 ((8) in FIG. 1). It is assumed that the second user ID is previously associated with the first user ID corresponding to the payment token included in the received payment request.

Further, when the payment processing device 1 determines that the payment tokens match, the payment processing device 1 executes the payment processing based on the first user ID associated with the payment token and the received payment request (in FIG. 1). (9)). 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 configuration 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 has 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 linkage unit 131, an issue request reception unit 132, a token transmission unit 133, a payment information reception unit 134, a grant request unit 135, and a payment processing unit 136. Remember.

Further, the storage unit 12 stores the first user ID in association with the second user ID corresponding to each of the plurality of stores. Specifically, the storage unit 12 manages the first user ID, the second user ID, and the business operator ID that manages the points corresponding to the second user ID and 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 ID is, for example, a point management device 4 managed by the business corresponding to the business 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, and the grant request unit 135. And functions as a payment processing unit 136. The details of the operation of each part 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 display unit 23, a storage unit 24, and a control unit 25. The control unit 25 includes an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254.

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 23. The operation unit 21 notifies the operation reception unit 251 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting / receiving data to / from a base station of a mobile phone network. The communication unit 22 inputs the payment token or the like received from the payment processing device 1 into the code generation unit 253.

The display unit 23 is a display that displays various types of information. The display unit 23 displays the payment code based on the control of the code generation unit 253.

The storage unit 24 is a storage medium including a ROM, RAM, and the like. The storage unit 24 stores a program executed by the control unit 25. The storage unit 24 stores a program that causes the control unit 25 to function as an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254. Further, the storage unit 24 stores the payment token received from the payment processing device 1, the payment code generated based on the payment token, and the like.

The control unit 25 is, for example, a CPU, and functions as an operation reception unit 251, a request transmission unit 252, a code generation unit 253, and a display control unit 254 by executing a program stored in the storage unit 24.

The operation reception unit 251 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 251 notifies the request transmission unit 252 of the operation content. When the operation reception unit 251 accepts the user cooperation operation, the request transmission unit 252 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 251 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 23, and the second user ID associated with the first user ID from the user and the second user ID. It accepts the business ID corresponding to the second user ID. The request transmission unit 252 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.

When the specified operation content is an operation for displaying the payment code on the user terminal 2, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. When the operation reception unit 251 accepts an operation for displaying the payment code on the user terminal 2, the request transmission unit 252 requests the issuance of the first user ID and the payment code via the communication unit 22. To the payment processing device 1.

When the payment token is transmitted from the payment processing device 1, the code generation unit 253 generates a payment code based on the payment token. The code generation unit 253 generates, for example, a payment code based on a predetermined rule. The code generation unit 253 causes the display unit 23 to display the generated payment code.

When the display control unit 254 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 254 displays these information in the same manner in the display unit 23. 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, 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 and a camera, and reads a barcode attached to a product purchased by the user or a payment code displayed by the user terminal 2. The reading unit 32 outputs the information indicated by the read barcode and the payment code to the control unit 36.

The communication unit 33 is, for example, a communication interface for transmitting / receiving data to / from the payment processing device 1. The communication unit 33 transmits a payment request including a payment token and payment information to the payment processing device 1 under the control of the control unit 36.

The display unit 34 is a display that displays various types of information. The display unit 34 displays, for example, the settlement amount.

The storage unit 35 is a storage medium including a ROM, 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 token acquisition unit 362, and a payment information transmission 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 token acquisition unit 362, and a payment information transmission 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 settlement information generation unit 361 receives the settlement operation in the operation unit 31, 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.

The token acquisition unit 362 acquires the information extracted from the payment code as a payment token by the reading unit 32 reading the payment code displayed on the user terminal 2.
When the payment information generation unit 361 generates payment information and the token acquisition unit 362 acquires the payment token, the payment information transmission unit 363 includes the payment token and the payment information via the communication unit 33. The payment request is transmitted to the payment processing device 1.

[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, 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 grant request for points 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 grants 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 granting 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. Further, the point granting unit 432 transmits the point granting 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 linkage unit 131 receives an ID linkage request including the first user ID of the user of the user terminal 2 from the user terminal 2, the user information linkage unit 131 receives a second user ID linked with the first user ID. The cooperation reception screen for this 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 it in the user cooperation information.

The issuance request receiving unit 132 receives from the user terminal 2 the first user ID of the user of the user terminal 2 and the issuance request of the payment code for the user of the user terminal 2 to make a payment at the store.

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 corresponding to the first user ID received together with the issuance request to the user terminal. Send. 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 first user ID 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 user terminal 2 that has transmitted the payment code issuance request.

The payment information receiving unit 134 reads the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmitting unit 133, and the payment token and the product or service in the user's store. Receive payment requests, including payment information about your purchase.

The grant request unit 135 manages the payment information included in the payment request received from the store terminal 3 and the second user ID associated with the first user ID corresponding to the payment token included in the payment request. It is transmitted to the device 4 and requests the user of the user terminal 2 to be given points.

Specifically, when the payment information receiving unit 134 receives the payment request, the grant request unit 135 determines whether or not the payment token matching the payment token included in the payment request is stored in the storage unit 12. Is determined. 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 first user ID associated with the payment token and stored in the storage unit 12. The grant request unit 135 extracts the business operator ID from the store ID included in the payment information. The grant request unit 135 refers to the user cooperation information stored in the storage unit 12, and identifies the acquired first user ID and the second user ID associated with the extracted business operator ID. The second user ID issued by the business operator of the store corresponding to the store ID included in the payment information is specified while corresponding to the user of the user terminal 2.

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 the point grant request including the payment information included in the payment request and the specified second user ID to the specified address, and the business operator ID extracted the information. It is transmitted to the point management device 4 corresponding to. After that, the grant request unit 135 receives the point grant information indicating the points given to the user of the user terminal 2 in the point management device 4 from the point management device 4 that has transmitted the point grant request.

The payment processing unit 136 executes payment based on the payment information included in the payment request received from the store terminal 3 and the first user ID corresponding to the payment token received from the store terminal 3. 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. Is determined. 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 first user ID 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 payment information from the account of the user specified by the acquired first user ID. Further, the payment processing unit 136 executes a process of depositing the payment amount included in the payment information into the account of the store specified by the store ID included in the 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 of 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 information to the user terminal 2.

[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 who purchases the product or the like at the store operates the display operation of the payment code on the user terminal 2 (S1). When the user performs a payment code display operation, the request transmission unit 252 transmits the first user ID and the payment code issuance request to the payment processing device 1 (S2).

When the issue request receiving unit 132 of the payment processing device 1 acquires the first user ID and the payment code issuance request from the user terminal 2, the token transmission unit 133 generates a payment token (S3). The token transmission unit 133 associates the first user ID with the generated payment token and stores it in the storage unit 12 (S4). The token transmission unit 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request (S5).

The code generation unit 253 of the user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and causes the display unit 23 to display the generated payment code (S6). At the store, the user presents the payment code displayed on the user terminal 2, and the reading unit 32 of the store terminal 3 reads the payment code (S7).

Further, the payment information generation unit 361 of the store terminal 3 specifies the price of the product based on the product ID 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. , Calculate the settlement amount (S8). The payment information transmission unit 363 of the store terminal 3 makes a payment request including the payment information including the payment amount and the store ID calculated in S8 and the payment token included in the payment code read in S7. It is transmitted to the payment processing device 1 (S9).

The explanation is transferred to FIG. The payment information receiving unit 134 of the payment processing device 1 receives a payment request including payment information and a payment token from the store terminal 3. When the payment token stored in the storage unit 12 and the received payment token match, the grant request unit 135 acquires the first user ID associated with the payment token (S10). The grant request unit 135 identifies the business establishment ID from the store ID included in the received payment information (S11).

Subsequently, the grant request unit 135 refers to the user cooperation information stored in the storage unit 12 and identifies the specified first user ID and the second user ID associated with the business establishment ID (S12). The grant request unit 135 transmits a point grant request including the specified second user ID and the payment information included in the received payment request to the point management device 4 (S13).

Subsequently, the point giving unit 432 of the point management device 4 calculates the points to be given to the user of the second user ID included in the point giving request when the giving request receiving unit 431 receives the point giving request (S14). ). The point giving unit 432 gives the calculated points to the user of the second user ID (S15), and transmits the point giving information indicating the given points to the payment processing device 1 (S16).

Subsequently, the payment processing unit 136 of the payment processing device 1 performs payment processing based on the payment information included in the received payment request and the first user ID specified in S10 (S17). 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 (S18).

When the display control unit 254 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 254 displays these information on the same screen of the display unit 23 (S19).

[Effect of payment system S]
As described above, when the payment processing device 1 according to the present embodiment receives the first user ID and the issuance request of the payment code from the user terminal 2, the payment processing device 1 generates a payment code. Is transmitted to the user terminal 2, and the payment token and the payment information regarding the purchase of goods or services at the user's store are transmitted from the store terminal 3 that reads the payment code displayed by the user terminal 2 based on the payment token. Receive. The payment processing device 1 transmits the received payment information and the second user ID associated with the first user ID corresponding to the received payment token to the point management device 4, and gives points to the user. The indicated point grant information is received from the point management device 4. By doing so, in order to receive points at the time of accounting, the user receives points without presenting the membership card or application screen indicating that the user is a member of the store to the store. be able to. 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. 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 Display unit 24 Storage unit 25 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 251 Operation reception unit 252 Request transmission Unit 253 Code generation unit 254 Display control unit 361 Payment information generation unit 362 Token transmission unit 363 Payment information transmission unit 431 Grant request reception section 432 Point grant section

Claims (15)

Computer runs,
A step of receiving a first user identification information for identifying the user and a request for issuing a payment code for the user to make a payment at a store from a user terminal used by the user.
Upon receiving the payment code issuance request, a step of transmitting a payment token for generating the payment code corresponding to the first user identification information to the user terminal, and a step of transmitting the payment token.
A step of receiving the payment token and payment information regarding the purchase of goods or services at the store by the user from the store terminal that has read the payment code displayed by the user terminal based on the payment token. ,
A step of executing payment based on the payment information received from the store terminal and the first user identification information corresponding to the payment token received from the store terminal.
The payment information includes the second user identification information that identifies the user associated with the first user identification information corresponding to the payment token received from the store terminal, and grants the user a privilege. The step of sending the privilege grant request to the device indicated by the predetermined address,
Payment processing method with. In the step of transmitting the privilege grant request, the computer identifies the predetermined address based on the payment information.
The payment processing method according to claim 1. The payment information includes store identification information for identifying the store, and includes store identification information.
In the step of transmitting the privilege grant request, the computer identifies the predetermined address based on the store identification information included in the payment information.
The payment processing method according to claim 2. The payment information includes business identification information for identifying a business that operates the store, and includes business identification information.
In the step of transmitting the privilege grant request, the computer refers to a storage unit that stores an address in association with each of the plurality of business identification information, and stores the information in association with the business identification information included in the payment information. Specifying the address as the predetermined address,
The payment processing method according to any one of claims 1 to 3. In the step of transmitting the privilege grant request, the computer transmits the privilege grant request for granting the privilege corresponding to the second user identification information to the device indicated by the predetermined address.
The payment processing method according to any one of claims 1 to 4. In the step of transmitting the privilege grant request, the computer transmits the privilege grant request to the device managed by the business operator that issues the privilege and the second user identification information.
The payment processing method according to any one of claims 1 to 5. The first user identification information 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 Further has a step of associating and storing in the storage unit,
In the step of transmitting the privilege grant request, the computer identifies the second user identification information stored in the storage unit in association with the first user identification information corresponding to the received payment token. The privilege grant request including the specified second user identification information is transmitted to the device.
The payment processing method according to any one of claims 1 to 6. The payment information includes store information for identifying the store, and includes store information.
In the step of transmitting the privilege grant request, the computer refers to and receives the storage unit that stores the first user identification information in association with the second user identification information corresponding to each of the plurality of stores. The first user identification information corresponding to the payment token and the second user identification information corresponding to the store indicated by the store information included in the received payment information are specified.
The payment processing method according to any one of claims 1 to 7. In the step of transmitting the payment token, the computer associates the first user identification information with the payment token and stores it in the storage unit.
In the step of transmitting the privilege grant request, the computer stores the received payment token in association with the received payment token when the received payment token matches the payment token stored in the storage unit. The second user identification information associated with the first user identification information stored in the unit is specified, and the privilege grant request including the specified second user identification information is transmitted to the apparatus.
The payment processing method according to any one of claims 1 to 8. Further comprising a step of acquiring privilege grant information, which is executed by the computer and indicates that the privilege corresponding to the privilege grant request has been granted to the user.
The payment processing method according to any one of claims 1 to 9. 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 10. The payment information includes information indicating the payment amount or 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 payment date and time.
The payment processing method according to claim 10 or 11. In the step of acquiring the privilege grant 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 payment processing method according to any one of claims 10 to 12. In the step of acquiring the privilege granting information, the computer acquires the privilege granting information indicating that the privilege is granted to the user based on the second user identification information issued by the business operator of the store.
The payment processing method according to any one of claims 10 to 13. Further comprising a step of transmitting the acquired privilege grant information to the user terminal, which is executed by the computer.
The payment processing method according to any one of claims 10 to 14.

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