JP7096936B1 - Information processing method - Google Patents

Abstract

An information processing method that reduces the burden on a user to obtain a privilege at the time of settlement is provided. Kind Code: A1 In a payment system, a payment processing apparatus 1 receives a first user ID and a payment code issuance request from a user terminal, and generates a payment code corresponding to the first user ID. Token sending unit 133 for sending the token for payment to the user terminal, and the store terminal that reads the code for payment displayed by the user terminal based on the token for payment, the token for payment, and payment information regarding the purchase of the product at the user's store. a payment processing unit 135 that executes payment based on the received payment information and the first user ID corresponding to the received payment token, and associated with the first user ID It has an acquisition unit 136 that acquires the second user ID corresponding to the store, and a transmission unit 137 that transmits the payment information and the second user ID to the point management device. [Selection drawing] Fig. 2

Description

The present invention relates to an information 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 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 thereof is to reduce the burden on the user at the time of payment.

In the information processing method according to the first aspect of the present invention, the first user identification information for identifying the user from the user terminal used by the user executed by the information processing apparatus and the user settle the payment at the store. When the step of receiving the payment code issuance request for the payment code and the payment code issuance request are received, the user receives the payment token for generating the payment code corresponding to the first user identification information. From the store terminal that reads the payment code displayed by the user terminal based on the step of transmitting to the terminal and the payment token, the payment token and the payment information regarding the purchase of the product at the store by the user. 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, and the first step. The step of acquiring the second user identification information associated with the user identification information and corresponding to the store and identifying the user, the payment information, and the second user identification information are provided to the user. It has a step of transmitting to a privilege management device for granting a privilege corresponding to the second user identification information.

In the information processing method according to the second aspect of the present invention, the first user identification information for identifying the user from the user terminal used by the user executed by the information processing apparatus and the user settle the payment at the store. When the step of receiving the payment code issuance request for the payment code and the payment code issuance request are received, the user receives the payment token for generating the payment code corresponding to the first user identification information. From the store terminal that reads the payment code displayed by the user terminal based on the step of transmitting to the terminal and the payment token, the payment token and the payment information regarding the purchase of the product at the store by the user. 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, and the first step. The step of acquiring the second user identification information associated with the user identification information and corresponding to the store and identifying the user, the payment completion information indicating that the payment has been completed, and the second user. When the payment completion information and the second user identification information are received from the information processing apparatus executed by the store terminal, which has a step of transmitting the identification information to the store terminal, the second user identification is performed. It has a step of transmitting the request information including the information and the payment information and requesting the user to grant the privilege to the privilege management device that manages the privilege.

In the information processing method according to the third aspect of the present invention, the first user identification information for identifying the user from the user terminal used by the user executed by the information processing apparatus and the user settle the payment at the store. When the step of receiving the payment code issuance request for the payment code and the payment code issuance request are received, the user receives the payment token for generating the payment code corresponding to the first user identification information. From the store terminal that reads the payment code displayed by the user terminal based on the step of transmitting to the terminal and the payment token, the payment token and the payment information regarding the purchase of the product at the store by the user. 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, and the payment Settlement completion information including acquisition request information indicating that the information has been completed and requesting acquisition of the second user identification information for identifying the user while corresponding to the store is transmitted to the information processing apparatus and the store terminal. When the payment completion information is received from the information processing device executed by the gateway device, which has a step of transmitting to a gateway device that relays communication, the payment completion information includes the acquisition request information. On condition that the information processing device or the external device is requested to acquire the second user identification information associated with the first user identification information corresponding to the received payment completion information, the information processing device is requested. From the gateway device, which has a step of acquiring the second user identification information from the store and a step of transmitting the payment completion information and the second user identification information to the store terminal, which is executed by the store terminal. When the payment completion information and the second user identification information are received, the privilege management device that manages the privilege, including the second user identification information and the payment information, and requesting the user to grant the privilege. Has a step to send to.

The information processing method according to the fourth aspect of the present invention is for the user to make a payment at the store, which is executed by the store terminal used in the store and displayed by the user terminal used by the user who purchases the product at the store. From the information processing device, the step of extracting the payment token from the payment code of the above, the step of transmitting the payment information regarding the purchase of the product by the user at the store, and the payment token to the information processing device, and the step of transmitting the payment token to the information processing device. The step of receiving the payment completion information indicating that the payment has been completed and the user identification information for identifying the user corresponding to the store, and the payment completion information and the user identification information from the information processing apparatus. When the user is received, the user identification information and the payment information are included, and the request information for requesting the user to grant the privilege is transmitted to the privilege management device that manages the privilege.

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 which concerns on 1st Embodiment. It is a figure which shows the functional structure of the payment processing apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the user cooperation information. It is a figure which shows the functional structure of the user terminal which concerns on 1st Embodiment. It is a figure which shows the functional structure of the store terminal which concerns on 1st Embodiment. It is a figure which shows the functional structure of the point management apparatus which concerns on 1st Embodiment. It is operation sequence diagram of the payment system which concerns on 1st Embodiment. It is an operation sequence diagram following FIG. It is a figure which shows the structure of the store terminal which concerns on 2nd Embodiment. It is operation sequence diagram of the payment system which concerns on 2nd Embodiment. It is a figure which shows the structure of the gateway apparatus which concerns on 3rd Embodiment. It is operation sequence diagram of the payment system which concerns on 3rd Embodiment. It is an operation sequence diagram following FIG.

<First Embodiment>
[Overview of payment system S]
FIG. 1 is a diagram showing an outline of the payment system S according to the first embodiment. When the user purchases a product at the store, the payment system S displays the 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. In addition, in this embodiment, it is assumed that the product includes not only the product sold by the store but also the service provided by the store.

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 a product at a store. When accounting is performed at a store, the user activates application software for payment and performs an operation for displaying the payment code on the user terminal 2. When the user terminal 2 receives an operation for displaying the payment code, the user terminal 2 sends 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. Transmit ((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 issuance request of the payment code 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 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 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). 8)).

When the payment processing device 1 determines that the payment tokens match, the payment processing device 1 is associated with the first user ID, and sets the second user ID as the second user identification information for corresponding to the store and identifying the user. Acquire ((9) in FIG. 1). The payment processing device 1 includes the acquired second user ID and payment information, and transmits a point grant request requesting the grant of points to the user to the point management device 4 ((10) in FIG. 1).

When the point management device 4 receives the point grant request, the point management device 4 grants points as a privilege to the user based on the payment information included in the received point grant request and the second user ID, and is granted to the user. The point granting information indicating the points obtained is transmitted to the user terminal 2 ((11) 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 according to the first embodiment. 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 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, a payment processing unit 135, an acquisition unit 136, and a transmission unit 137. Memorize the payment program.

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 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 the 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 payment processing unit 135. It functions as an acquisition unit 136 and a transmission unit 137. 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 according to the first embodiment. 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.

Upon receiving the payment token 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 the payment completion information indicating that the payment has been completed from the payment processing device 1, the display control unit 254 displays the payment completion information on the display unit 23. Further, when the display control unit 254 receives the point grant information indicating that the points have been granted from the point management device 4, the display control unit 254 causes the display unit 23 to display the point grant information.

[Functional configuration of store terminal 3]
FIG. 5 is a diagram showing a functional configuration of the store terminal 3 according to the first embodiment. 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 bar code reader and a camera, and reads a bar code 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. Under the control of the control unit 36, the communication unit 33 transmits a payment request including the payment token extracted from the payment code received from the user terminal 2 and the payment information to 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, 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 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 according to the first embodiment. 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 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 is the second user based on the second user ID and the payment information included in the received point 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 point 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 giving unit 432 transmits the point giving information indicating the points given to the user to the user terminal 2. For example, the storage unit 42 stores the second user ID and the address of the user terminal 2 in association with each other, and stores the second user ID in the address of the user terminal 2 associated with the second user ID included in the point grant request. Based on this, the point grant information is transmitted to the user terminal 2.

The point granting unit 432 has received the point granting request including the payment information and the second user ID, but the present invention is not limited to this. The point granting unit 432 receives the point granting request including the second user ID from the payment processing device 1 without including the payment information, and grants points to the user corresponding to the second user ID included in the point granting request. You may try to do it. In this case, the point awarding unit 432 may calculate points to be given to the user based on the reception date and time of the point giving request, and may give the calculated points to the user, or may give a predetermined amount of points to the user. It may be given.

[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 linkage 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 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 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 transmission unit 133 generates a payment token when the issuance request receiving unit 132 receives a payment code issuance request. The token transmission unit 133 stores the first user ID received by the issuance request reception unit 132 in the storage unit 12 in association with the generated payment token. 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 is a payment extracted from the payment code by the store terminal 3 from the store terminal 3 that reads the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmission unit 133. Receives a payment request that includes a token for use and payment information regarding the purchase of goods at the user's store.

The payment processing unit 135 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 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 135 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 135 acquires the first user ID associated with the payment token and stored in the storage unit 12.

The payment processing unit 135 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 135 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 135 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 135 notifies the store terminal 3 of the settlement completion information indicating that the settlement is completed. Further, the payment processing unit 135 transmits the payment completion information to the user terminal 2.

The acquisition unit 136 is associated with the first user ID corresponding to the payment token included in the payment request received from the store terminal 3, and acquires the second user ID corresponding to the store and identifying the user. .. The acquisition unit 136 acquires the first user ID and the second user ID corresponding to the store indicated by the store ID included in the payment information received from the store terminal 3.

For example, when the payment by the payment processing unit 135 is completed, the acquisition unit 136 acquires the first user ID stored in the storage unit 12 associated with the received payment token. The acquisition unit 136 identifies the business operator ID included in the store ID included in the payment information. The acquisition unit 136 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 specified business operator ID, thereby specifying the user. 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 terminal 2.

Here, the acquisition unit 136 acquires the second user ID issued by the store operator, which is a different issuer from the issuer of the first user ID. By doing so, the user of the user terminal 2 can acquire the second user ID issued by the business operator of the store by the payment processing device 1 without presenting the point card or the like of the store, and the points of the store or the like can be obtained. Benefits can be granted.

The acquisition unit 136 has acquired the second user ID when the payment by the payment processing unit 135 is completed, but the present invention is not limited to this. The acquisition unit 136 may acquire the second user ID before the payment by the payment processing unit 135 is completed. In this case, the acquisition unit 136 determines whether or not the payment token that matches the payment token included in the payment request received from the store terminal 3 is stored in the storage unit 12. When the acquisition unit 136 determines that the matching payment token is stored in the storage unit 12, the acquisition unit 136 acquires the first user ID associated with the payment token and stored in the storage unit 12, and also acquires the payment information. The business ID included in the store ID included in is specified. Then, the acquisition unit 136 refers to the user cooperation information and identifies the acquired first user ID and the second user ID associated with the specified business operator ID.

The transmission unit 137 functions as a grant request unit, transmits payment information and a second user ID acquired by the acquisition unit 136 to the point management device 4, and requests the user of the user terminal 2 to grant points. .. Specifically, first, when the payment by the payment processing unit 135 is completed, the transmission unit 137 refers to the address information stored in the storage unit 12, and the business specified from the store ID included in the payment information. Identify the address associated with the person ID. Then, the transmission unit 137 transmits the point grant request including the payment information and the specified second user ID to the point management device 4 indicated by the specified address, and the business operator ID from which these information is extracted is transmitted. It is transmitted to the point management device 4 corresponding to.

Here, the payment information transmitted to the point management device 4 may be either payment information before the payment is completed or payment information after the payment is completed. The payment amount included in the payment information after the payment is completed may be, for example, the payment amount after the payment amount received from the store terminal 3 is discounted by the privilege.

[Operation sequence]
FIG. 7 is an operation sequence diagram of the payment system S according to the first embodiment. 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 setstles a payment request including payment information including the payment amount calculated in S8 and the store ID, and a payment token extracted from the payment code read in S7. It is transmitted to the 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 payment processing unit 135 acquires the first user ID associated with the payment token (S10). The payment processing unit 135 performs payment processing based on the payment information included in the received payment request and the first user ID specified in S10 (S11). When the payment is completed, the payment processing unit 135 transmits the payment completion information to the user terminal 2 (S12). When the display control unit 254 of the user terminal 2 receives the payment completion information from the payment processing device 1, the display control unit 254 displays the payment completion information on the display unit 23 (S13).

Subsequently, the acquisition unit 136 identifies the business establishment ID from the store ID included in the payment information received from the store terminal 3 (S14). The acquisition unit 136 refers to the user cooperation information stored in the storage unit 12, and identifies the first user ID acquired by the payment processing unit 135 and the second user ID associated with the specified business establishment ID. (S15). The transmission unit 137 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 (S16).

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 (S17). ). The point giving unit 432 gives the calculated points to the user of the second user ID (S18), and transmits the point giving information indicating the given points to the user terminal 2 (S19). When the display control unit 254 of the user terminal 2 receives the point grant information from the point management device 4, the display control unit 254 displays the point grant information on the display unit 23 (S20).

[Modification 1]
In the above description, the point management device 4 transmits the point grant information to the user terminal 2, but the present invention is not limited to this. The point management device 4 may transmit the point grant information to the payment processing device 1. Then, the payment processing device 1 may transmit the point grant information to the user terminal 2. Further, the payment processing device 1 simultaneously transmits the payment completion information and the point grant information to the user terminal 2, and causes the payment completion information and the point grant information to be displayed on the same screen of the display unit 23 of the user terminal 2. May be good. Further, the payment processing device 1 may transmit the payment completion information and the point grant information to the user terminal 2 at different timings, and display the payment completion information, the point grant information, and the point grant information separately on the display unit 23 of the user terminal 2. ..

[Modification 2]
Further, in the above description, the payment processing device 1 stores the user cooperation information, but the present invention is not limited to this. For example, an external device different from the payment processing device 1 may have the user information linkage unit 131 and store the user linkage information. In this case, the acquisition unit 136 may access the external device and acquire the first user ID and the second user ID associated with the business operator ID extracted from the store ID included in the payment information.

[Modification 3]
Further, in the above description, the point management device 4 calculates the points to be given to the user corresponding to the second user ID based on the second user ID and the payment information, and gives the points to the user. Not limited to this. For example, the point management device 4 calculates points corresponding to the second user ID based on the first user ID and payment information, and also calculates points to be given to the user corresponding to the first user ID. Points may be given to the user. In this case, the transmission unit 137 of the payment processing device 1 transmits the payment information, the second user ID acquired by the acquisition unit 136, and the first user ID to the point management device 4, and is based on the second user ID. You may request the awarding of points and the awarding of points based on the first user ID. Further, the payment processing device 1 may assign points based on the payment information and the first user ID. Further, the points given to the user corresponding to the first user ID may be points that can be used in the store of the store terminal 3 and a store different from the store.

[Effect in the first embodiment]
As described above, in the payment system S according to the first embodiment, when the payment processing device 1 receives the first user ID and the issuance request of the payment code from the user terminal 2, the payment processing device 1 receives the payment code. The payment token to be generated is transmitted to the user terminal 2, and the payment token and the product purchased at the user's store are purchased from the store terminal 3 that reads the payment code displayed by the user terminal 2 based on the payment token. Receive payment information and. The payment processing device 1 is associated with the first user ID corresponding to the payment token received from the store terminal 3, acquires the second user ID corresponding to the store, and when the payment is completed, the payment information and the second user ID are obtained. 2 The user ID is transmitted to 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.

<Second embodiment>
[Store terminal 3 sends a point grant request]
Subsequently, the second embodiment will be described. In the payment system S according to the first embodiment, the payment processing device 1 transmits a point grant request to the point management device 4. On the other hand, the payment system S according to the second embodiment is different from the first embodiment in that the store terminal 3 transmits a point grant request to the point management device 4. Hereinafter, the payment system S according to the second embodiment will be described. The same parts as those of the first embodiment will be omitted as appropriate.

FIG. 9 is a diagram showing the configuration of the store terminal 3 according to the second embodiment. As shown in FIG. 9, the control unit 36 of the store terminal 3 further includes a payment result receiving unit 364 and a grant request unit 365.

The payment result receiving unit 364 acquires the payment completion information indicating that the payment has been completed and the second user ID from the payment processing device 1. Specifically, in the payment result receiving unit 364, after the payment information transmission unit 363 transmits a payment request to the payment processing device 1 and the payment processing device 1 makes a payment based on the payment request, the payment processing device 1 Receives payment completion information and a second user ID from.

When the payment result receiving unit 364 receives the payment completion information and the second user ID from the payment processing device 1, the grant request unit 365 includes the second user ID and the payment information generated by the payment information generation unit 361. , A point grant request requesting the user to grant points is transmitted to the point management device 4.

When the point granting unit 432 of the point management device 4 receives the point granting request from the store terminal 3, 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. The point giving unit 432 gives the calculated points to the user of the second user ID, and transmits the point giving information to the user terminal 2.

The point-giving unit 432 has transmitted the point-giving information to the user terminal 2, but the point-giving unit 432 is not limited to this, and may be transmitted to the store terminal 3. In this case, the payment result receiving unit 364 of the store terminal 3 receives the point grant information from the point management device 4, and notifies the user of the point grant information. For example, the payment result receiving unit 364 notifies the user of the point granting information by displaying the point granting information on the display unit 34. By doing so, the user can confirm the display unit 34 and grasp the points given. Further, the payment result receiving unit 364 may notify the user by transmitting the point grant information to the user terminal 2.

Further, the payment processing device 1 transmits the payment completion information to the user terminal 2 and the store terminal 3, but the present invention is not limited to this, and the payment processing device 1 may transmit the payment completion information only to the store terminal 3. When the payment result receiving unit 364 of the store terminal 3 acquires the payment completion information and the point grant information, it may indicate that the payment has been completed and notify the user of the information including the point grant information.

Further, the payment result receiving unit 364 may notify the user at different timings of the information indicating that the payment has been completed and the point granting information. For example, the payment result receiving unit 364 may transmit the point grant information to the user terminal 2 in response to the acquisition of the point acquisition request attached to the user from the user terminal 2. Similarly, the payment processing device 1 or the point management device 4 may also transmit the point grant information to the user terminal 2 in response to the acquisition of the point acquisition request attached to the user.

[Operation sequence]
FIG. 10 is an operation sequence diagram of the payment system S according to the second embodiment. In the payment system S according to the second embodiment, the payment processing device 1, the user terminal 2, and the store terminal 3 perform the same processing as the processing shown in S1 to S9 shown in FIG. The process will be described with reference to FIG.

When the payment token stored in the storage unit 12 and the payment token received from the store terminal 3 match, the payment processing unit 135 acquires the first user ID associated with the payment token. (S30). The payment processing unit 135 performs payment processing based on the payment information included in the received payment request and the first user ID specified in S30 (S31). When the payment is completed, the payment processing unit 135 transmits the payment completion information to the user terminal 2 (S32). When the display control unit 254 of the user terminal 2 receives the payment completion information from the payment processing device 1, the display control unit 254 displays the payment completion information on the display unit 23 (S33).

The transmission unit 137 identifies the business establishment ID from the store ID included in the payment information received from the store terminal 3 (S34). The transmission unit 137 refers to the user cooperation information stored in the storage unit 12, and identifies the first user ID acquired by the payment processing unit 135 and the second user ID associated with the specified business establishment ID. (S35). The transmission unit 137 transmits the specified second user ID and payment completion information to the store terminal 3 (S36).

Subsequently, the grant request unit 365 of the store terminal 3 transmits a point grant request including the second user ID received from the payment processing device 1 and the payment information generated by the payment information generation unit 361 to the point management device 4. (S37). Since the processing of S38 to S41 is the same as the processing of S17 to S20 of FIG. 8, the description thereof will be omitted.

[Effect in the second embodiment]
As described above, in the payment system S according to the second embodiment, when the store terminal 3 receives the payment completion information and the second user ID from the payment processing device 1, the second user ID and the payment information A point grant request including the payment information generated by the generation unit 361 and requesting the user to grant points is transmitted to the point management device 4. By doing so, the payment system S according to the second embodiment can reduce the burden on the user at the time of payment, similarly to the payment system S according to the first embodiment.

<Third embodiment>
[Gateway device acquires second user ID]
Subsequently, the third embodiment will be described. The payment system S according to the third embodiment further has a gateway device for relaying communication between the payment processing device 1 and the store terminal 3, and the gateway device is associated with the first user ID. It differs from the second embodiment in that the second user ID is acquired.

FIG. 11 is a diagram showing the configuration of the gateway device 5 according to the third embodiment. As shown in FIG. 11, the gateway device 5 includes a communication unit 51, a storage unit 52, and a control unit 53. The control unit 53 includes a relay unit 531, a settlement result receiving unit 532, an acquisition unit 533, and a transmission unit 534.

The communication unit 51 is a communication interface for transmitting and receiving data to and from each of the payment processing device 1 and one or more store terminals 3 via a network such as the Internet. The communication unit 51 transmits / receives data to / from, for example, a store terminal 3 of a store operated by a predetermined business operator.

The storage unit 52 is a storage medium for storing various types of data, and has a ROM, a RAM, a hard disk, and the like. The storage unit 52 stores a program executed by the control unit 53. The storage unit 52 stores a payment program that causes the control unit 53 to function as a relay unit 531, a payment result receiving unit 532, an acquisition unit 533, and a transmission unit 534.

The relay unit 531 receives the payment request from the store terminal 3 and transmits the payment request to the payment processing device 1. Here, the settlement request includes a settlement operator ID for identifying the settlement operator. Further, in the present embodiment, another payment processing device different from the payment processing device 1 also exists, and the relay unit 531 receives the payment received by the payment processing device corresponding to the payment business ID included in the payment request. Send the request. For example, when the payment business operator ID included in the payment request corresponds to the payment processing device 1, the relay unit 531 transmits the received payment request to the payment processing device 1.

The payment result receiving unit 532 acquires the payment completion information indicating that the payment has been completed and the first user ID from the payment processing device 1. Specifically, in the payment result receiving unit 532, after the relay unit 531 transmits a payment request to the payment processing device 1 and the payment processing device 1 makes a payment based on the payment request, the payment processing device 1 completes the payment. The information and the first user ID are received. Here, the payment completion information may include a store ID for identifying the store terminal 3.

When the payment result receiving unit 532 receives the first user ID and the payment completion information, the acquisition unit 533 is associated with the received first user ID and acquires the second user ID corresponding to the store of the store terminal 3. do. The acquisition unit 533 acquires the first user ID and the second user ID corresponding to the store indicated by the store ID included in the payment completion information received from the payment processing device 1.

Specifically, in the acquisition unit 533, the payment operator ID included in the received payment request corresponds to the payment processing device 1, and the payment result receiving unit 532 completes the payment with the first user ID from the payment processing device 1. On condition that the information is received, the first user ID and the second user ID corresponding to the store ID included in the payment completion information are acquired. The acquisition unit 533 extracts the business operator ID from the store ID included in the payment completion information received from the payment processing device 1. Then, the acquisition unit 533 refers to the user cooperation information stored in the payment processing device 1 or the external device, and acquires the first user ID and the second user ID associated with the business operator ID. Further, the acquisition unit 533 controls not to acquire the second user ID when the payment completion information is received from the payment processing device different from the payment processing device 1.

The acquisition unit 533 has decided to acquire the second user ID on condition that the payment result receiving unit 532 receives the first user ID and the payment completion information from the payment processing device 1, but this is not limited to this. do not have. For example, the payment completion information transmitted from the payment processing device 1 includes acquisition request information requesting the acquisition of the second user ID, and the payment completion information transmitted from the other payment processing device 1 includes the payment completion information. The acquisition request information may not be included. Then, the acquisition unit 533 may acquire the second user ID on condition that the received settlement completion information includes the acquisition request information.

The transmission unit 534 transmits the settlement completion information and the second user ID acquired by the acquisition unit 533 to the store terminal 3.

The payment result receiving unit 364 of the store terminal 3 acquires the payment completion information indicating that the payment has been completed and the second user ID from the gateway device 5. Specifically, in the payment result receiving unit 364, the payment information transmission unit 363 transmits a payment request to the payment processing device 1, the payment processing device 1 performs payment based on the payment request, and then the gateway device 5 performs the payment. Receive the payment completion information and the second user ID.

When the payment result receiving unit 364 receives the payment completion information and the second user ID from the gateway device 5, the grant request unit 365 includes the second user ID and the payment information generated by the payment information generation unit 361. A point grant request requesting the user to grant points is transmitted to the point management device 4.

When the point granting unit 432 of the point management device 4 receives the point granting request from the store terminal 3, 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. The point giving unit 432 gives the calculated points to the user of the second user ID, and transmits the point giving information to the user terminal 2.

[Operation sequence]
FIG. 12 is an operation sequence diagram of the payment system S according to the third embodiment. FIG. 13 is an operation sequence diagram following FIG. Since the processes from S51 to S58 in FIG. 12 are the same as the processes from S1 to S8 in FIG. 7, the description thereof will be omitted.

The payment information transmission unit 363 of the store terminal 3 gateways a payment request including payment information including the payment amount and store ID calculated in S58 and a payment token extracted from the payment code read in S57. It is transmitted to the device 5 (S59).
When the relay unit 531 of the gateway device 5 receives a payment request including payment information and a payment token from the store terminal 3, the relay unit 531 transmits the payment request to the payment processing device 1 (S60).

The explanation is transferred to FIG. When the payment token stored in the storage unit 12 and the payment token received from the store terminal 3 match, the payment processing unit 135 acquires the first user ID associated with the payment token. (S61). The payment processing unit 135 performs payment processing based on the payment information included in the received payment request and the first user ID specified in S61 (S62). When the payment is completed, the payment processing unit 135 transmits the payment completion information to the user terminal 2 (S63). When the display control unit 254 of the user terminal 2 receives the payment completion information from the payment processing device 1, the display control unit 254 displays the payment completion information on the display unit 23 (S64).

The transmission unit 137 transmits the payment completion information including the store ID and the first user ID to the gateway device 5 (S65).
The acquisition unit 533 uses the store ID included in the payment completion information, provided that the payment result receiving unit 532 receives the first user ID and the payment completion information from the payment processing device 1 among the plurality of payment processing devices. The business ID is specified (S66). Then, the acquisition unit 533 refers to the user cooperation information stored in the payment processing device 1 or the external device, and acquires the first user ID and the second user ID associated with the business operator ID (S67). ). The transmission unit 534 transmits the payment completion information and the second user ID to the store terminal 3 (S68). Since the processing of S69 to S73 is the same as the processing of S37 to S41 of FIG. 10, the description thereof will be omitted.

[Effect in the third embodiment]
As described above, in the payment system S according to the third embodiment, when the gateway device 5 receives the first user ID and the payment completion information, the gateway device 5 accesses the user cooperation information of the payment processing device 1 or the external device. , The second user ID associated with the first user ID is acquired, and the payment completion information and the second user ID are transmitted to the store terminal 3. Then, when the store terminal 3 receives the payment completion information and the second user ID from the gateway device 5, the store terminal 3 includes the second user ID and the payment information generated by the payment information generation unit 361, and gives points to the user. The point grant request for requesting is transmitted to the point management device 4.

By doing so, the payment system S according to the third embodiment can reduce the burden on the user at the time of payment, similarly to the payment system S according to the first embodiment. Further, in the payment system S according to the third embodiment, when the gateway device 5 accesses the user cooperation information of the external device and acquires the second user ID associated with the first user ID, the payment process is performed. Since it is not necessary for the device 1 to perform the process of specifying the second user ID, the load on the payment processing device 1 can be reduced.

<Fourth Embodiment>
[The gateway device acquires the second user ID via the payment processing device 1]
Subsequently, the fourth embodiment will be described. The payment system S according to the fourth embodiment is different from the third embodiment in that the gateway device 5 acquires the second user ID via the payment processing device 1.

In the fourth embodiment, when the payment by the payment processing unit 135 is completed, the transmission unit 137 of the payment processing device 1 transmits the payment completion information indicating that the payment is completed to the gateway device 5. The payment completion information includes, for example, a payment ID for identifying the payment. The payment ID is generated by the payment processing unit 135, and is stored in the storage unit 12 in association with the first user ID and the payment information.

When the payment result receiving unit 532 receives the payment completion information from the payment processing device 1, the acquisition unit 533 of the gateway device 5 is associated with the first user ID corresponding to the received payment completion information, and the user purchases the product. An ID acquisition request requesting the acquisition of the second user ID corresponding to the store is transmitted to the payment processing device 1. The ID acquisition request includes, for example, a payment ID.

When the acquisition unit 136 of the payment processing device 1 receives the ID acquisition request from the gateway device 5, the acquisition unit 136 identifies the first user ID and the payment information related to the payment ID included in the ID acquisition request. The acquisition unit 136 identifies the business operator ID from the store ID included in the payment information. The acquisition unit 136 refers to the user cooperation information, acquires the first user ID and the second user ID associated with the specified business operator ID, and transmits the second user ID to the gateway device 5.

The acquisition unit 533 of the gateway device 5 acquires the second user ID corresponding to the payment completion information by receiving the second user ID transmitted from the payment processing device 1.
The transmission unit 534 transmits the settlement completion information and the second user ID acquired by the acquisition unit 533 to the store terminal 3.

When the payment result receiving unit 364 receives the payment completion information and the second user ID from the gateway device 5, the grant request unit 365 of the store terminal 3 receives the second user ID and the payment information generated by the payment information generation unit 361. And, a point grant request requesting the user to grant points is transmitted to the point management device 4.

When the point granting unit 432 of the point management device 4 receives the point granting request from the store terminal 3, 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. The point giving unit 432 gives the calculated points to the user of the second user ID, and transmits the point giving information to the user terminal 2.

By doing so, the payment system S according to the fourth embodiment can reduce the burden on the user at the time of payment, similarly to the payment system S according to the first embodiment. Further, the payment processing device 1 performs a process of specifying the second user ID only when the acquisition request of the second user ID is received from the gateway device 5. As a result, the payment processing device 1 does not necessarily have to perform the processing for specifying the second user ID in response to the payment processing, so that the load is reduced as compared with the payment processing device 1 according to the first embodiment. Can be done.

It should be noted that the present invention makes it possible to contribute to Goal 9 "Let's lay the foundation for industry and technological innovation" of the Sustainable Development Goals (SDGs) led by the United Nations.

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, all or part of the device can be functionally or physically distributed / integrated in any unit. 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 5 Gateway 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 51 Communication unit 52 Storage unit 53 Control unit 131 User information linkage unit 132 Issue request reception unit 133 Token transmission unit 134 Payment information reception unit 135 Payment processing Unit 136 Acquisition unit 137 Transmission 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 364 Payment result reception unit 365 Grant request unit 431 Grant Request reception unit 432 Point granting unit 531 Relay unit 532 Payment result reception unit 533 Acquisition unit 534 Transmission unit S Payment system

Claims (12)

Information processing equipment executes,
The first user identification information for identifying the user , which is given to the user by the payment business operator who provides the service related to the payment executed by the information processing device from the user terminal used by the user, and the store where the user is a store. Steps to receive a payment code issuance request for payment with
Upon receiving the payment code issuance request, a step of transmitting payment data for generating the payment code corresponding to the first user identification information to the user terminal, and a step of transmitting the payment data to the user terminal.
A product of the user in the store, which includes the payment data and store information for identifying the store from the store terminal that reads the payment code displayed by the user terminal based on the payment data. Steps to receive payment information about your purchase,
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 data received from the store terminal.
The store information, the first user identification information, and the second user identification information for identifying the user indicated by the first user identification information issued by the business operator operating the store indicated by the store information are associated with each other. The second user associated with the store information included in the payment information received from the store terminal and the first user identification information corresponding to the received payment data with reference to the storage unit stored in the store. The steps to get the identification information and
A step of transmitting the payment information and the acquired second user identification information to a privilege management device for giving the user a privilege corresponding to the second user identification information.
Information processing method with. Information processing equipment executes,
The first user identification information for identifying the user , which is given to the user by the payment business operator who provides the service related to the payment executed by the information processing device from the user terminal used by the user, and the store where the user is a store. Steps to receive a payment code issuance request for payment with
Upon receiving the payment code issuance request, a step of transmitting payment data for generating the payment code corresponding to the first user identification information to the user terminal, and a step of transmitting the payment data to the user terminal.
A product of the user in the store, which includes the payment data and store information for identifying the store from the store terminal that reads the payment code displayed by the user terminal based on the payment data. Steps to receive payment information about your purchase,
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 data received from the store terminal.
The store information, the first user identification information, and the second user identification information for identifying the user indicated by the first user identification information issued by the business operator operating the store indicated by the store information are associated with each other. The second user identification information associated with the store information included in the payment information received from the store terminal and the first user identification information corresponding to the payment data with reference to the storage unit stored in the store. And the steps to get
A step of transmitting the payment completion information indicating that the payment has been completed and the acquired second user identification information to the store terminal, and
Have,
The store terminal executes,
When the payment completion information and the second user identification information are received from the information processing device, the privilege information including the second user identification information and the payment information and requesting the user to grant the privilege is obtained. Steps to send to the privilege management device to manage,
Have,
Information processing method. Information processing equipment executes,
The first user identification information for identifying the user , which is given to the user by the payment business operator who provides the service related to the payment executed by the information processing device from the user terminal used by the user, and the store where the user is a store. Steps to receive a payment code issuance request for payment with
Upon receiving the payment code issuance request, a step of transmitting payment data for generating the payment code corresponding to the first user identification information to the user terminal, and a step of transmitting the payment data to the user terminal.
A product of the user in the store, which includes the payment data and store information for identifying the store from the store terminal that reads the payment code displayed by the user terminal based on the payment data. Steps to receive payment information about your purchase,
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 data received from the store terminal.
Acquisition request information that indicates that the payment has been completed and is issued by the business operator that operates the store and requests acquisition of the second user identification information for identifying the user, and store information included in the payment information. A step of transmitting payment completion information including the above to a gateway device that relays communication between the information processing device and the store terminal.
Have,
Performed by the gateway device,
When the payment completion information is received from the information processing device, the store information, the first user identification information, and the store information are indicated, provided that the payment completion information includes the acquisition request information. The store corresponding to the payment completion information received in the information processing device or the external device corresponding to the store and accommodating and storing the second user identification information for identifying the user indicated by the first user identification information. The information and the first user identification information are included, and the acquisition of the second user identification information associated with the store information and the first user identification information is requested, and the second user identification is performed from the information processing apparatus. Steps to get information and
A step of transmitting the payment completion information and the second user identification information to the store terminal, and
Have,
The store terminal executes,
When the payment completion information and the second user identification information are received from the gateway device, the privilege management includes the second user identification information and the payment information, and the request information for requesting the user to grant the privilege. Steps to send to the privilege management device,
Have,
Information processing method. In the step of transmitting to the privilege management device, the payment information after the payment is made and the second user identification information are transmitted to the privilege management device.
The information processing method according to any one of claims 1 to 3. The information processing device, the privilege management device, or the store terminal further includes a step of notifying the user of privilege grant information indicating the privilege granted by the privilege management device.
The information processing method according to any one of claims 1 to 4. In the step of notifying, the information processing device, the privilege management device, or the store terminal provides the privilege granting information to the user at a timing different from the timing when the information indicating that the payment is completed is notified to the user. Notify to
The information processing method according to claim 5. In the notification step, when the information processing device, the privilege management device, or the store terminal receives the acquisition request of the privilege grant information from the user terminal, the privilege grant information is notified to the user.
The information processing method according to claim 6. In the step of notifying, when the information processing device, the privilege management device, or the store terminal acquires the payment completion information indicating that the payment has been completed and the privilege granting information, it indicates that the payment has been completed. , Sending information including the privilege grant information to the user terminal,
The information processing method according to claim 5. Further having a step of granting a privilege to the user based on the payment information and the first user identification information executed by the information processing device or the privilege management device.
The information processing method according to any one of claims 1 to 8. In the step of granting a privilege to the user based on the first user identification information, the information processing device or the privilege management device grants the user a privilege that can be used for payment at the store and a store different from the store. do,
The information processing method according to claim 9. In the step of acquiring the second user identification information, the second user identification information issued by an issuer different from the issuer of the first user identification information is acquired.
The information processing method according to any one of claims 1 to 10. The privilege management device executes,
When a request for granting a privilege corresponding to the store to the user is made from the store terminal based on the payment information and the second user identification information, the payment information and the second user identification information are combined. Based on the step of granting benefits to the user,
A step of notifying the user terminal of the privilege grant information indicating the privilege granted to the user based on the second user identification information, and
Have,
The information processing method according to any one of claims 1 to 11 .

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